EMPLOYMENT AGREEMENT



 Exhibit 10(v) 
  
 STATE OF NORTH CAROLINA 
  
 COUNTY OF ALAMANCE 
  
 EMPLOYMENT AGREEMENT 
  
 THIS AGREEMENT is entered into as of the 1st day of October, 2001 by and between ALAMANCE NATIONAL BANK (hereinafter referred to as the “Bank”) and WILLIAM E. SWING, JR. (hereinafter
referred to as “Employee”). 
  
 W I T N E S S E T H:

  
 WHEREAS, the expertise and experience of Employee
and his relationships and reputation in the financial institutions industry are extremely valuable to the Bank; and 
  
 WHEREAS, it is in the best interests of the Bank and its shareholders to maintain an experienced and sound executive management team to manage the
Bank and to further the Bank’s overall strategies to protect and enhance the value of its shareholders’ investments; and 
  
 WHEREAS, the Bank and Employee desire to enter into this Agreement to establish the scope, terms and conditions of Employee’s employment by
the Bank; and 
  
 WHEREAS, the Bank and Employee desire to
enter into this Agreement also to provide Employee with security in the event of a change in control in the Bank and to insure the continued loyalty of Employee during any such change in control in order to maximize shareholder value as well as the
continued safe and sound operation of the Bank. 
  
 NOW,
THEREFORE, for and in consideration of the premises and mutual promises, covenants and conditions hereinafter set forth, and other good and valuable consideration, the receipt and sufficiency of which hereby is acknowledged, the Bank and
Employee hereby agree as follows: 
  
 1. Employment.
The Bank hereby agrees to employ Employee, and Employee hereby agrees to serve as an officer of the Bank, all upon the terms and conditions stated herein. As an officer of the Bank, Employee will (i) serve as Senior Vice-President and Chief
Financial Officer, and (ii) have such other duties and responsibilities, and render to the Bank such other management services, as are customary for persons in Employee’s position with the Bank or as shall otherwise be reasonably assigned to
him from time to time by the Bank. Employee shall faithfully and diligently discharge his duties and responsibilities under this 







 Agreement and shall use his best efforts to implement the policies established by the Bank. Employee hereby agrees to
devote such number of hours of his working time and endeavors to the employment granted hereunder as Employee and the Bank shall deem to be necessary to discharge his duties hereunder, and, for so long as employment hereunder shall exist, Employee
shall not engage in any other occupation which requires a significant amount of Employee’s personal attention during the Bank’s regular business hours or which otherwise interferes with Employee’s attention to or performance of his
duties and responsibilities as an officer of the Bank hereunder except with the prior written consent of the Bank. However, nothing herein contained shall restrict or prevent Employee from personally, and for Employee’s own account, trading in
stocks, bonds, securities, real estate or other forms of investment for Employee’s own benefit so long as said activities do not interfere with Employee’s attention to or performance of his duties and responsibilities as an officer of the
Bank hereunder. 
  
 During the term of this Agreement, Employee
shall be allowed, in his sole discretion, to maintain his primary work location in Graham, North Carolina. 
  
 2. Compensation. For all services rendered by Employee to the Bank under this Agreement, the Bank shall pay Employee a base salary at a rate
of Seventy-Six Thousand Dollars and 00/100’s ($76,000.00) per annum; provided that the amount of such base salary shall be reviewed by the Board of Directors within forty-five (45) days of each calendar year end for the purpose of determining
any increase, but not decrease, in the base salary. Any such increase shall be made retroactively effective as of the first day of the year in which such determination is made. Salary paid under this Agreement shall be payable in cash not less
frequently than monthly. All compensation hereunder shall be subject to customary withholding taxes and such other employment taxes as are required by law. In the event of a Change in Control (as defined in Paragraph 8), Employee’s base salary
shall be increased not less than six percent (6%) annually during the term of this Agreement. 
  
 In addition to the foregoing, Employee shall be entitled to receive cash bonuses on an annual basis during the term of this Agreement as may be determined by the Board of Directors of the Bank or its Compensation
Committee. 
  
 3. Participation in Retirement and Employee
Benefit Plans; Fringe Benefits. Subject to the terms and conditions of this Agreement, Employee shall be entitled to 
  

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 participate in any and all employee benefit programs and compensation plans from time to time maintained by the Bank and
available to all employees of the Bank, all in accordance with the terms and conditions (including eligibility requirements) of such programs and plans of the Bank, resolutions of the Bank’s Board of Directors establishing such programs and
plans, and the Bank’s normal practices and established policies regarding such programs and plans. 
  
 In addition to the other compensation and benefits described in this Agreement, the Bank shall: 
  
 (a) assume payment of dues associated with Employee’s membership
in one (1) civic club; and 
  
 (b) reimburse Employee for
all reasonable expenses incurred by him in the performance of his duties under this Agreement and documented to the reasonable satisfaction of the Bank pursuant to established policies. 
  
 4. Term. Unless sooner terminated as provided in this Agreement and subject to the right of either Employee or
the Bank to terminate Employee’s employment at any time as provided herein, the initial term of this Agreement and Employee’s employment with the Bank hereunder shall be for a period commencing on the date hereof and continuing for a
period of two (2) years (the “Initial Term”). At the end of the Initial Term and upon each anniversary thereafter, the Agreement shall automatically be extended for an additional one (1) year period unless written notice from the Bank or
Employee is received sixty (60) days prior to such date notifying the other party that this Agreement shall not be further extended. 
  
 5. Confidentiality; Noncompetition. Employee hereby acknowledges and agrees that (i) in the course of his service as an officer of the Bank,
he will gain substantial knowledge of and familiarity with the Bank’s customers and its dealings with them, and other information concerning the Bank’s business, all of which constitute valuable assets and privileged information of the
Bank that are particularly sensitive due to the fiduciary responsibilities inherent in the banking business; and, (ii) in order to protect the Bank’s interest in and to assure it the benefit of its business, it is reasonable and necessary to
place certain restrictions on Employee’s ability to compete against the Bank and on his disclosure of information about the Bank’s business and customers. For that purpose, and in consideration of the Bank’s agreements contained
herein, Employee covenants and agrees as provided below. 
  

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 (a) Covenant Not to Compete. During a period of two (2) years following the effective date
of termination of this Agreement or Employee’s employment with the Bank by unilateral action of Employee, Employee will not “Compete” (as defined below), directly or indirectly, with the Bank within a twenty-five (25) mile radius of
Graham, North Carolina (the “Relevant Market”). 
  
 For
the purposes of this Paragraph 5, the following terms shall have the meanings set forth below: 
  
 Compete. The term “Compete” means: (i) soliciting or securing deposits from any Person residing in the Relevant Market for any
Financial Institution; (ii) soliciting any Person residing in the Relevant Market to become a borrower from any Financial Institution, or assisting (other than through the performance of ministerial or clerical duties) any Financial Institution in
making loans to any such Person; (iii) inducing or attempting to induce any Person who was a Customer of the Bank on the date of termination of Employee’s employment with the Bank, to change such Customer’s depository, loan and/or other
banking relationship from the Bank to another Financial Institution; (iv) acting as a consultant, officer, director, independent contractor, or employee of any Financial Institution that has its main or principal office in the Relevant Market, or,
in acting in any such capacity with any other Financial Institution, to maintain an office or be employed at or assigned to or to have any direct involvement in the management, business or operation of any office of such Financial Institution
located in the Relevant Market; or (v) communicating to any Financial Institution the names or addresses or any financial information concerning any Person who was a Customer of the Bank at the date of Employee’s termination of this Agreement.

  
 Customer. The term “Customer”
means any Person with whom, as of the effective date of termination of this Agreement or during Employee’s employment with the Bank, the Bank has or has had a depository, loan and/or other banking relationship. 
  
 Financial Institution. The term “Financial
Institution” means any federal or state chartered bank, savings bank, savings and loan association or credit union, or any holding company for or corporation that owns or controls any such entity, or any other Person engaged in the business of
making loans of any type or receiving deposits, other than the Bank. 
  

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 Person. The term “Person” means any natural person or any corporation,
partnership, proprietorship, joint venture, limited liability company, trust, estate, governmental agency or instrumentality, fiduciary, unincorporated association or other entity. 
  
 (b) Confidentiality Covenant. Employee covenants and agrees that any and all data, figures, projections,
estimates, lists, files, records, documents, manuals or other such materials or information (financial or otherwise) relating to the Bank and its banking business, regulatory examinations, financial results and condition, lending and deposit
operations, customers (including lists of the Bank’s customers and information regarding their accounts and business dealings with the Bank), policies and procedures, computer systems and software, shareholders, employees, officers and
directors (herein referred to as “Confidential Information”) are proprietary to the Bank and are valuable, special and unique assets of the Bank’s business to which Employee will have access during his employment with the Bank.
Employee agrees that (i) all such Confidential Information shall be considered and kept as the confidential, private and privileged records and information of the Bank, and (ii) at all times during the term of his employment with the Bank and
following the termination of this Agreement or his employment for any reason, and except as shall be required in the course of the performance by Employee of his duties on behalf of the Bank or otherwise pursuant to the direct, written authorization
of the Bank, Employee will not: divulge any such Confidential Information to any other Person or Financial Institution; remove any such Confidential Information in written or other recorded form from the Bank’s premises; or make any use of any
Confidential Information for his own purposes or for the benefit of any Person or Financial Institution other than the Bank. However, following the termination of Employee’s employment with the Bank, this subparagraph (b) shall not apply to any
Confidential Information which then is in the public domain (provided that Employee was not responsible, directly or indirectly, for permitting such Confidential Information to enter the public domain without the Bank’s consent), or which is
obtained by Employee from a third party which or who is not obligated under an agreement of confidentiality with respect to such information. 
  
 (c) Remedies for Breach. Employee understands and agrees that a breach or violation by him of the covenants contained in Paragraph 5(a) and
5(b) of this Agreement will be deemed a material breach of this Agreement and will cause irreparable injury 
  

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 to the Bank, and that it would be difficult to ascertain the amount of monetary damages that would result from any such
violation. In the event of Employee’s actual or threatened breach or violation of the covenants contained in Paragraph 5(a) or 5(b), the Bank shall be entitled to bring a civil action seeking an injunction restraining Employee from violating or
continuing to violate those covenants or from any threatened violation thereof, or for any other legal or equitable relief relating to the breach or violation of such covenant. Employee agrees that, if the Bank institutes any action or proceeding
against Employee seeking to enforce any of such covenants or to recover other relief relating to an actual or threatened breach or violation of any of such covenants, Employee shall be deemed to have waived the claim or defense that the Bank has an
adequate remedy at law and shall not urge in any such action or proceeding the claim or defense that such a remedy at law exists. However, the exercise by the Bank of any such right, remedy, power or privilege shall not preclude the Bank or its
successors or assigns from pursuing any other remedy or exercising any other right, power or privilege available to it for any such breach or violation, whether at law or in equity, including the recovery of damages, all of which shall be cumulative
and in addition to all other rights, remedies, powers or privileges of the Bank. 
  
 Notwithstanding anything contained herein to the contrary, Employee agrees that the provisions of Paragraph 5(a) and 5(b) above and the remedies provided in this Paragraph 5(c) for a breach by Employee shall be in
addition to, and shall not be deemed to supersede or to otherwise restrict, limit or impair the rights of the Bank under the Trade Secrets Protection Act contained in Article 24, Chapter 66 of the North Carolina General Statutes, or any other state
or federal law or regulation dealing with or providing a remedy for the wrongful disclosure, misuse or misappropriation of trade secrets or other proprietary or confidential information. 
  
 (d) Survival of Covenants. Employee’s covenants and agreements and the Bank’s rights and remedies
provided for in this Paragraph 5 shall survive any termination of this Agreement or Employee’s employment with the Bank. 
  
 6. Termination and Termination Pay. 
  
 (a) Employee’s employment under this Agreement may be terminated at any time by Employee upon sixty (60) days written notice to the Bank.
Upon such termination, Employee shall be entitled to receive compensation through the effective date of such termination; provided, however, that the Bank, in its sole discretion, may elect for Employee not to serve out part or all of said notice
period. 
  

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 (b) Employee’s employment under this Agreement shall be terminated upon the death of
Employee during the term of this Agreement. Upon any such termination, Employee’s estate shall be entitled to receive any compensation due to Employee computed through the last day of the calendar month in which his death shall have occurred
but which remains unpaid. 
  
 (c) In the event Employee
becomes disabled during the term of his employment hereunder and it is determined by the Bank that Employee is permanently unable to perform his duties under this Agreement, the Bank shall continue to compensate Employee at the level of compensation
described in Paragraph 2 above, and shall continue to provide Employee each of the other benefits set forth or described in this Agreement, for the remaining term of this Agreement (or in the case of major medical insurance for Employee and his
spouse, for the remainder of their natural lives), less any other payments provided under any disability income plan of the Bank which is applicable to Employee. In the event of any disagreement between Employee and the Bank as to whether Employee
is physically or mentally incapacitated such as will result in the termination of Employee’s employment pursuant to this Paragraph 6(c), the question of such incapacity shall be submitted to an impartial and reputable physician for
determination, selected by mutual agreement of Employee and the Bank or, failing such agreement, by two (2) physicians (one (1) of whom shall be selected by the Bank and the other by Employee), and such determination of the question of such
incapacity by such physician or physicians shall be final and binding on Employee and the Bank. The Bank shall pay the reasonable fees and expenses of such physician or physicians in making any determination required under this Paragraph 6(c).

  
 (d) The Bank may terminate Employee’s employment
at any time for any reason with or without “Cause” (as defined below), but any termination by the Bank other than termination for “Cause” (as defined below), shall not prejudice Employee’s right to compensation or other
benefits under this Agreement. Following any termination of Employee’s employment by the Bank for “Cause,” Employee shall have no further rights under this Agreement (including any right to receive compensation or other benefits for
any period after such termination). 
  

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 For purposes of this Paragraph 6(d), the Bank shall have “Cause” to terminate Employee’s
employment upon: 
  
 (i) A determination by the Bank, in
good faith, that Employee (A) has breached in any material respect any of the terms or conditions of this Agreement, or (B) is engaging or has engaged in willful misconduct or conduct which is detrimental to the business prospects of
the Bank or which has had or likely will have a material adverse effect on the Bank’s business or reputation. Prior to any termination by the Bank of Employee’s employment for a breach, failure to perform or conduct described in this
subparagraph (i), the Bank shall give Employee written notice which describes such breach, failure to perform or conduct and if during a period of five (5) business days following such notice Employee cures or corrects the same to the reasonable
satisfaction of the Bank, then this Agreement shall remain in full force and effect. However, notwithstanding the above, if the Bank has given written notice to Employee on a previous occasion of the same or a substantially similar breach, failure
to perform or conduct, or of a breach, failure to perform or conduct which the Bank determines in good faith to be of substantially similar import, or if the Bank determines in good faith that the then current breach, failure to perform or conduct
is not reasonably curable, then termination under this subparagraph (i) shall be effective immediately and Employee shall have no right to cure such breach, failure to perform or conduct. 
  
 (ii) The violation by Employee of any applicable federal or state law, or any applicable rule, regulation, order or
statement of policy promulgated by any governmental agency or authority having jurisdiction over the Bank or any of its affiliates or subsidiaries (a “Regulatory Authority,” including without limitation the Federal Deposit Insurance
Corporation, the Office of the Comptroller of the Currency or any other banking regulator having legal jurisdiction over the Bank), which results from Employee’s gross negligence, willful misconduct or intentional disregard of such law, rule,
regulation, order or policy statement and results in any substantial damage, monetary or otherwise, to the Bank or any of its affiliates or subsidiaries or to the Bank’s reputation; 
  

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 (iii) The commission in the course of Employee’s employment with the Bank of an act of
fraud, embezzlement, theft or proven personal dishonesty (whether or not resulting in criminal prosecution or conviction); 
  
 (iv) The conviction of Employee of any felony or any criminal offense involving dishonesty or breach of trust, or the occurrence of any event
described in Section 19 of the Federal Deposit Insurance Act or any other event or circumstance which disqualifies Employee from serving as an employee or executive officer of, or a party affiliated with, the Bank or its bank holding company;

  
 (v) Employee becomes unacceptable to, or is removed,
suspended or prohibited from participating in the conduct of the Bank’s affairs (or if proceedings for that purpose are commenced) by any Regulatory Authority; and 
  
 (vi) The occurrence of any event believed by the Bank, in good faith, to have resulted in Employee being excluded
from coverage, or having coverage limited as to Employee as compared to other covered officers or employees, under the Bank’s then current “blanket bond” or other fidelity bond or insurance policy covering its directors, officers or
employees. 
  
 7. Additional Regulatory
Requirements. Notwithstanding anything contained in this Agreement to the contrary, it is understood and agreed that the Bank (or its successors in interest) shall not be required to make any payment or take any action under this Agreement
if (a) the Bank is declared by any Regulatory Authority to be insolvent, in default or operating in an unsafe or unsound manner, or if (b) in the opinion of counsel to the Bank such payment or action (i) would be prohibited by
or would violate any provision of state or federal law applicable to the Bank, including without limitation the Federal Deposit Insurance Act and the National Bank Act as now in effect or hereafter amended, (ii) would be prohibited by or
would violate any applicable rules, regulations, orders or statements of policy, whether now existing or hereafter promulgated, of any Regulatory Authority, or (iii) otherwise would be prohibited by any Regulatory Authority. 
  

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 8. Change in Control 
  
 (a) In the event of a “Change in Control” (as defined in Subparagraph (d) below), of the Bank, Employee
shall be entitled to terminate this Agreement upon the occurrence within twenty-four (24) months following a change in control of any Termination Event as defined in Subparagraph (b) below. 
  
 (b) Termination Event shall mean the occurrence of any of the
following events: 
  
 (i) Employee is assigned any duties
and/or responsibilities that are inconsistent with his position, duties, or responsibilities at the time of the Change in Control; 
  
 (ii) Employee’s annual base salary is reduced below the amount in effect as of the effective date of a Change in Control or as the same shall
have been increased from time to time following such effective date; 
  
 (iii) Employee’s life insurance, major medical insurance, disability insurance, dental insurance, stock option plans, stock purchase plans, deferred compensation plans, management retention plans, retirement plans, or similar
plans or benefits being provided by the Bank to Employee as of the effective date of the Change in Control are adversely affected in their level, scope, or coverage, or any such insurance, plans, or benefits are eliminated, unless such reduction or
elimination applies proportionately to all salaried employees of the Bank who participated in such benefits prior to such Change in Control; or 
  
 (iv) Employee is transferred to a location outside of Graham, North Carolina, without Employee’s express written consent. 
  
 A Termination Event shall be deemed to have occurred on the date such action
or event is implemented or takes effect. 
  
 (c) In the
event that Employee terminates this Agreement or the Bank terminates this Agreement pursuant to this Paragraph 8, the Bank will be obligated to pay or cause to be paid to Employee all amounts due and owing to the end of the term of this Agreement
and an amount equal to two hundred percent (200%) of Employee’s “base amount” as defined in Section 28OG(b)(3)(A) of the Internal Revenue Code of 1986, as amended (the “Code”). 
  

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 (d) For the purposes of this Agreement, the term Change in Control shall mean any of the
following events: 
  
 (i) After the effective date of this
Agreement, any “person” (as such term is defined in Section 7(j)(8)(A) of the Change in Bank Control Act of 1978), directly or indirectly, acquires beneficial ownership of voting stock, or acquires irrevocable proxies or any combination of
voting stock and irrevocable proxies, representing twenty-five percent (25%) or more of any class of voting securities of the Bank, or acquires control of in any manner the election of a majority of the directors of the Bank; 
  
 (ii) The Bank consolidates or merges with or into another
corporation, association, or entity, or is otherwise reorganized, where the Bank is not the surviving corporation in such transaction; or 
  
 (iii) All or substantially all of the assets of the Bank are sold or otherwise transferred to or are acquired by any other corporation,
association, or other person, entity, or group. 
  
 Notwithstanding the other provisions of this Paragraph 8, a transaction or event shall not be considered a Change in Control if, prior to the consummation or occurrence of such transaction or event, Employee and the Bank agree in writing
that the same shall not be treated as a Change in Control for purposes of this Agreement. Provided further, any transaction effecting a reorganization of the Bank into the bank holding company form of organization shall not be considered a Change in
Control for purposes of this Agreement. 
  
 (e) Amounts
payable pursuant to this Paragraph 8 shall be paid, at the option of Employee either in one lump sum or in equal monthly payments over the remaining term of this Agreement. 
  
 (f) Following a Termination Event which gives rise to Employee’s rights hereunder, Employee shall have
twenty-four (24) months from the date of occurrence of the Termination Event to terminate this Agreement pursuant to this Paragraph 8. Any such termination shall be deemed to have occurred only upon delivery to the Bank or any successor thereto, of
written notice of termination which describes the Change in Control and Termination Event. If Employee does not so terminate this Agreement within such twenty-four month period, Employee shall thereafter have no further rights hereunder with respect
to that Termination Event, but shall retain rights, if any, hereunder with respect to any other Termination Event as to which such period has not expired. 
  

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 (g) It is the intent of the parties hereto that all payments made pursuant to this Agreement be
deductible by the Bank for federal income tax purposes and not result in the imposition of an excise tax on Employee. Notwithstanding anything contained in this Agreement to the contrary, any payments to be made to or for the benefit of Employee
which are deemed to be “parachute payments” as that term is defined in Section 28OG(b)(2) of the Code, shall be modified or reduced to the extent deemed to be necessary by the Bank’s Board of Directors to avoid the imposition of an
excise tax on Employee under Section 4999 of the Code or the disallowance of a deduction to the Bank under Section 28OG(a) of the Code. 
  
 (h) In the event any dispute shall arise between Employee and the Bank as to the terms or interpretation of this Agreement, including this
Paragraph 8, whether instituted by formal legal proceedings or otherwise, including any action taken by Employee to enforce the terms of this Paragraph 8 or in defending against any action taken by the Bank, the Bank shall reimburse Employee for all
costs and expenses, proceedings or actions, in the event Employee prevails in any such action.  
  
 9. Successors and Assigns. 
  
 (a) This Agreement shall inure to the benefit of and be binding upon any corporate or other successor of the Bank which shall acquire, directly or
indirectly, by conversion, merger, consolidation, purchase or otherwise, all or substantially all of the assets of the Bank. 
  
 (b) The Bank is contracting for the unique and personal skills of Employee. Therefore, Employee shall be precluded from assigning or delegating
his rights or duties hereunder without first obtaining the written consent of the Bank. 
  
 10. Modification; Waiver; Amendments. No provision of this Agreement may be modified, waived or discharged unless such waiver, modification or discharge is agreed to in writing and signed by the parties
hereto. No waiver by either party hereto, at any time, of any breach by the other party hereto of, or compliance with, any condition or provision of this Agreement to be performed by such other party shall be deemed a waiver of similar or dissimilar
provisions or conditions at the same or at any prior or subsequent time. No amendments or additions to this Agreement shall be binding unless in writing and signed by both parties, except as herein otherwise provided. 
  

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 11. Applicable Law. This Agreement shall be governed in all respects whether as to
validity, construction, capacity, performance or otherwise, by the laws of North Carolina, except to the extent that federal law shall be deemed to apply. 
  
 12. Severability. The provisions of this Agreement shall be deemed severable and the invalidity or unenforceability of any provision shall
not affect the validity or enforceability of the other provisions hereof. 
  
 13. Entire Agreement. This Agreement contains the entire agreement of the parties with respect to the transactions described herein and supersedes any and all other oral or written agreements heretofore
made, and there are no representations or inducements by or to, or any agreements between, any of the parties hereto other than those contained herein in writing. 
  
 14. Arbitration. The Bank and Employee agree that any and all disputes, controversies or claims arising out of
or relating to this Agreement, including without limitation, claims based on contract, tort, or statute, shall be determined by arbitration. If the parties hereto cannot mutually agree on a single arbitrator, each party shall pick one and a third
will be selected by the American Arbitration Association (“AAA”). The arbitration will be conducted in accordance with the commercial arbitration rules, regulations and procedures of the AAA then in effect. The arbitration will be held and
the award be made in Graham, North Carolina, or at such other location within the State of North Carolina as the Bank and Employee may mutually agree. The parties hereto agree to be bound by the decision of the arbitrator or arbitrator panel and
judgment upon the award rendered may be entered in any court having jurisdiction. Any and all expenses of the Bank and the Employee, including expenses of their respective counsel, shall be borne by the Bank. 
  

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 IN WITNESS WHEREOF, the parties have executed this Agreement under seal and in such form as to be
binding as of the day and year first hereinabove written. 
  

					
	 	 	ALAMANCE NATIONAL BANK
			
	 	 	 By:
	 	 /s/ Paul Edward Love


	 	 	 	 	 Paul Edward Love, Chairman

	ATTEST:	 	 	 	 
			
	 /s/ Dawn Griswold

	 	 	 	 
	 Asst. Secretary
	 	 	 	 
	 	 	 	 	 /s/ William E. Swing, Jr.


	 	 	 	 	 William E. Swing, Jr.


  

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