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TABLE OF CONTENTS
 PageARTICLE 1 OFFICES
    
    
    1ARTICLE 2 STOCKHOLDERS
    
    
    1Section 2.1.
    
    ANNUAL MEETING
    
    
    1Section 2.2.
    
    SPECIAL MEETINGS
    
    
    1Section 2.3.
    
    PLACE OF MEETING
    
    
    1Section 2.4.
    
    NOTICE OF MEETING
    
    
    1Section 2.5.
    
    CLOSING OF TRANSFER BOOKS OR FIXING OF RECORD DATE
    
    
    2Section 2.6.
    
    VOTING LISTS
    
    
    2Section 2.7.
    
    QUORUM
    
    
    3Section 2.8.
    
    PROXIES
    
    
    3Section 2.9.
    
    VOTING OF SHARES
    
    
    3Section 2.10.
    
    INSPECTORS
    
    
    3Section 2.11.
    
    VOTING OF SHARES BY CERTAIN HOLDERS
    
    
    3Section 2.12.
    
    VOTING BY BALLOT
    
    
    4ARTICLE 3 DIRECTORS
    
    
    4Section 3.1.
    
    GENERAL POWERS
    
    
    4Section 3.2.
    
    NUMBER, TENURE AND QUALIFICATION
    
    
    4Section 3.3.
    
    REGULAR MEETINGS
    
    
    4Section 3.4.
    
    SPECIAL MEETINGS
    
    
    4Section 3.5.
    
    NOTICE
    
    
    5Section 3.6.
    
    QUORUM
    
    
    5Section 3.7.
    
    MANNER OF ACTING
    
    
    5Section 3.8.
    
    VACANCIES
    
    
    5Section 3.9.
    
    COMPENSATION
    
    
    5Section 3.10.
    
    INFORMAL ACTION BY BOARD OF DIRECTORS
    
    
    5Section 3.11.
    
    PARTICIPATION BY CONFERENCE TELEPHONE
    
    
    5Section 3.12.
    
    COMMITTEES
    
    
    6Section 3.13.
    
    THE CHAIRMAN OF THE BOARD
    
    
    6ARTICLE 4 OFFICERS
    
    
    6
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TABLE OF CONTENTS
 PageSection 4.1.
    
    NUMBER
    
    
    6Section 4.2.
    
    ELECTION AND TERMS OF OFFICE
    
    
    7Section 4.3.
    
    REMOVAL
    
    
    7Section 4.4.
    
    VACANCIES
    
    
    7Section 4.5.
    
    THE CHIEF EXECUTIVE OFFICER
    
    
    7Section 4.6.
    
    THE PRESIDENT
    
    
    7Section 4.7.
    
    THE CHIEF OPERATING OFFICER
    
    
    8Section 4.8.
    
    THE VICE PRESIDENTS
    
    
    8Section 4.9.
    
    THE TREASURER
    
    
    8Section 4.10.
    
    THE CONTROLLER
    
    
    8Section 4.11.
    
    THE SECRETARY
    
    
    8Section 4.12.
    
    ASSISTANT TREASURERS AND ASSISTANT SECRETARIES
    
    
    9Section 4.13.
    
    SALARIES
    
    
    9ARTICLE 5 INDEMNIFICATION AND INSURANCE
    
    
    9Section 5.1.
    
    RIGHT TO INDEMNIFICATION
    
    
    9Section 5.2.
    
    RIGHT OF CLAIMANT TO BRING SUIT
    
    
    10Section 5.3.
    
    NON-EXCLUSIVITY OF RIGHTS
    
    
    10Section 5.4.
    
    INSURANCE
    
    
    10Section 5.5.
    
    CONSOLIDATION
    
    
    11ARTICLE 6 CONTRACTS, LOANS, CHECKS AND DEPOSITS
    
    
    11Section 6.1.
    
    CONTRACTS
    
    
    11Section 6.2.
    
    LOANS
    
    
    11Section 6.3.
    
    CHECKS, DRAFTS, ETC
    
    
    11Section 6.4.
    
    DEPOSITS
    
    
    11ARTICLE 7 CERTIFICATES FOR SHARES AND THEIR TRANSFER
    
    
    12Section 7.1.
    
    CERTIFICATES FOR SHARES
    
    
    12Section 7.2.
    
    TRANSFER OF SHARES
    
    
    12Section 7.3.
    
    REGULATIONS
    
    
    12Section 7.4.
    
    FACSIMILE SIGNATURES
    
    
    12
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TABLE OF CONTENTS
 PageARTICLE 8 FISCAL YEAR
    
    
    13ARTICLE 9 DIVIDENDS
    
    
    13ARTICLE 10 SEAL
    
    
    13ARTICLE 11 WAIVER OF NOTICE
    
    
    13ARTICLE 12 AMENDMENTS TO THE BY-LAWS
    
    
    13
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