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| This Code of      Business Conduct and Ethics (“Code”) is intended to deter wrongdoing and      promote: |
|----------------------------------------------------------------------------------------------------------------------|
|                                                                                                                 |   |   |
|  ●                                                                                                        |   | Honest and ethical      conduct, including the ethical handling of actual or apparent conflicts of      interest between personal and professional relationships; |
|                                                                                                                 |   |   |
|  ●                                                                                                        |   | Full, fair,      accurate, timely and understandable disclosure in documents the      Corporation files with, or submits to, the SEC and in all public      communications made by the Corporation; |
|                                                                                                                 |   |   |
|  ●                                                                                                        |   | Compliance with      applicable governmental laws, rules and regulations; |
|                                                                                                                 |   |   |
|  ●                                                                                                        |   | Prompt internal      reporting to designated persons of violations of the Code;and |
|                                                                                                                 |   |   |
|  ●                                                                                                        |   | Accountability for      adherence to the Code. |

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|  ● |   | The identity of      customers and potential customers and their personal, business and      financial information;                                                                                                                               |
|---------------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Non-public business      and financial information of the Corporation; personal information      regarding any employee of the Corporation;                                                                                                       |
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Personal or      non-public business information regarding any supplier, vendor or agent of      the Corporation;                                                                                                                                 |
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Information      related to, including the identity of, potential candidates for mergers      and acquisitions;                                                                                                                                   |
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Information      regarding the Corporation’s sales strategies, plans or  proposals;                                                                                                                                                         |
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Information related      to computer software programs, whether proprietary or  standard;                                                                                                                                                         |
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Information related      to documentation systems, information databases, customized hardware or      other information systems and technological developments;                                                                                   |
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Manuals, processes,      policies, procedures, compositions, opinion letters, ideas, innovations,      inventions, formulas and other proprietary information belonging to the      Corporation or related to the Corporation’s activities; |
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Security      information, including without limitation, policies and procedures,      passwords, personal identification numbers (PINs) and electronic access      keys;                                                                         |
|          |   |                                                                                                                                                                                                                                              |
|  ● |   | Communications by,      to and from regulatory agencies; and                                                                                                                                                                                      |
|          |   |                                                                                                                                                                                                                                              |
| ●       |   | Certain      communications with or from attorneys for the Corporation, whether      internal or external.                                                                                                                                        |

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|  ● |   | Proposals or plans      for mergers and acquisitions;                                                                                           |
|---------------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------|
|          |   |                                                                                                                                            |
|  ● |   | Earnings estimates      or results, whether for the month, quarter or year;                                                                     |
|          |   |                                                                                                                                            |
|  ● |   | Changes in      dividends;                                                                                                                      |
|          |   |                                                                                                                                            |
|  ● |   | Significant new      product innovation, development or implementation;                                                                         |
|          |   |                                                                                                                                            |
|  ● |   | Major litigation,      adverse regulatory proceeding or material threat of either  event;                                                       |
|          |   |                                                                                                                                            |
|  ● |   | Significant      operational issues, including changes in non-performing  assets;                                                               |
|          |   |                                                                                                                                            |
|  ● |   | Significant      expansion of operations, whether geographic or otherwise, or the      curtailment of current or future planned operations; and |
|          |   |                                                                                                                                            |
|  ● |   | Any other      information which, if known, would likely influence the decisions of      investors.                                             |

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|  1. |   | Gifts based on a      family relationship or gifts of a reasonable value based on a personal      relationship where that relationship is the obvious motivating factor for      the gift;                                                                                                                                                                                                                                                                           |
|----------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|     |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|  2. |   | Advertising or      promotional material with a value of less than $100;                                                                                                                                                                                                                                                                                                                                                                                             |
|     |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|  3. |   | Gifts with a value      of less than $100 related to commonly recognized events such as a      promotion, religious holiday, wedding or retirement;                                                                                                                                                                                                                                                                                                                  |
|     |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|  4. |   | Acceptance of      customary hospitality (business luncheons, dinners, golf outings, ball      games, etc.) where it is directly related to Corporation activities and      provided that the expense would be paid for by the Corporation if not paid      for by another party.  Any entertainment beyond that scope or of      a frequent nature (more than twice a year by the same party) must be      pre-authorized by the Chief Executive Officer; |
|     |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|  5. |   | Discounts or rebates      on merchandise or services that do not exceed those available to other      customers of the merchant; or                                                                                                                                                                                                                                                                                                                                  |
|     |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|  6. |   | Awards for      recognition of service or accomplishment from civic, charitable,      educational or religious organizations.                                                                                                                                                                                                                                                                                                                                        |

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|  1. |   | No false, misleading      or artificial entries shall be made on corporate books, records and      reports for any reason.                                                                                                                                                                                                                                                                                                                                                           |
|----------|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|     |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|  2. |   | No undisclosed or      unrecorded corporate funds or assets shall be established for any      purpose.                                                                                                                                                                                                                                                                                                                                                                               |
|     |   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|  3. |   | No payments from      corporate funds or other assets shall be approved or be made with the      intention or understanding that any part of such payment will be used for      any purpose other than that described by the documents supporting the      payment.  All payments must be supported with appropriately      approved purchase orders, invoices or receipts, expense reports or other      customary documents, all in accordance with established  policy. |

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