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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>EXHIBIT 10.8</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-align: center; text-indent: 0.5in">FEDERAL DEPOSIT
INSURANCE CORPORATION<BR>
WASHINGTON, D.C.<BR>
AND<BR>
COMMONWEALTH OF KENTUCKY<BR>
DEPARTMENT OF FINANCIAL INSTITUTIONS<BR>
FRANKFORT, KENTUCKY</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt; margin-left: 0in; text-indent: 0in; text-align: justify">______________________________________________</P>

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<P STYLE="font: 10pt Courier; margin: 0pt 0"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">In the Matter of</FONT> </P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 54%; padding-top: 12pt; padding-right: 0; padding-left: 0">FIRST FEDERAL SAVINGS BANK OF</TD>
    <TD STYLE="width: 46%; padding-top: 12pt; padding-right: 0; padding-left: 0">CONSENT ORDER</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">ELIZABETHTOWN</TD>
    <TD STYLE="padding-right: 0; padding-left: 0"> </TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">ELIZABETHTOWN, KENTUCKY</TD>
    <TD STYLE="padding-right: 0; padding-left: 0">FDIC-11-738b</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(KENTUCKY CHARTERED </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">INSURED NONMEMBER BANK) </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.35in; text-indent: -0.35in">______________________________________________</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">First Federal Savings Bank of Elizabethtown,
Elizabethtown, Kentucky <B>("Bank"), </B>having been advised of its right to a NOTICE OF CHARGES AND OF HEARING detailing
the unsafe or unsound banking practices and violations of law, rule or regulation alleged to have been committed by the Bank, and
of its right to a hearing on the charges under section 8(b) of the Federal Deposit Insurance Act <B>("Act"), </B>12 U.S.C.
§ 1818(b), and under section 286.3-690 of the Kentucky Revised Statutes, Ky. Rev. Stat. Ann. § 286.3-690 (Michie 2006),
regarding hearings before the Department of Financial Institutions for the Commonwealth of Kentucky <B>("DFI"), </B>and
having waived those rights, entered into a STIPULATION AND CONSENT TO THE ISSUANCE OF A CONSENT ORDER <B>("STIPULATION")
</B>with representatives of the Federal Deposit Insurance Corporation ("FDIC") and the DFI, dated March 07, 2012, whereby,
solely for the purpose of this proceeding and without admitting or denying any charges of unsafe or unsound banking practices relating
to weaknesses in asset quality, earnings, liquidity, management, and capital, the Bank has consented to the issuance of this CONSENT
ORDER <B>("ORDER") </B>by the FDIC and the DFI.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.2in 0pt 0; text-indent: 0.5in">The FDIC and the DFI considered
the matter and determined to accept the STIPULATION.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.2in 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Having also determined
that the requirements for issuance of an order under 12 U.S.C. § 1818(b) and section 286.3-690 of the Kentucky Revised Statutes,
Ky. Rev. Stat. Ann. § 286.3-690 (Michie 2006), have been satisfied, the FDIC and DFI HEREBY ORDER that the Bank, its institution-affiliated
parties, as that term is defined in section 3(u) of the Act, 12 U.S.C. § 1813(u), and its successors and assigns take affirmative
action as follows:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>MANAGEMENT</U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">1.	(a) During the life of this ORDER,
the Bank shall have and retain qualified management. Management shall be provided the necessary written authority to implement
the provisions of this ORDER. The qualifications of management shall be assessed on its ability to:</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(i)</TD><TD STYLE="padding-right: 0; padding-left: 0">Comply with the requirements of this ORDER;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(ii)</TD><TD STYLE="padding-right: 0; padding-left: 0">Operate the Bank in a safe and sound manner;</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(iii)</TD><TD STYLE="padding-right: 0; padding-left: 0">Comply with applicable statutes, rules, and regulations; and</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(iv)</TD><TD STYLE="padding-right: 0; padding-left: 0">Restore all aspects of the Bank to a safe and sound condition, including capital adequacy, asset quality, management effectiveness,
liquidity, earnings, and sensitivity to interest rate risk.</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.05in">(b) During the life of this ORDER, prior
to the addition of any individual to the board of directors <B>("Board") </B>or the employment of any individual as a
senior executive officer, the Bank shall request and obtain the FDIC's and DFI's written approval. For purposes of this ORDER,
"senior executive officer" is defined as in section 32 of the Act ("section 32"), 12 U.S.C. § 1831(i),
and section 303.101(b) of the FDIC Rules and Regulations, 12 C.F.R. § 303.101(b).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>CAPITAL </U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.	(a) By June 30, 2012, the Bank shall
have and maintain its level of Tier 1 capital as a percentage of its total assets ("capital ratio") at a minimum of nine
(9%) percent and its level of qualifying total capital as a percentage of risk-weighted assets ("total risk based capital
ratio") at a minimum of twelve (12%) percent. For purposes of this ORDER, Tier 1 capital, qualifying total capital, total
assets, and risk-weighted assets shall be calculated in accordance with Part 325 of the FDIC Rules and Regulations ("Part
325"), 12 C.F.R. Part 325.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.05in">(b) If, while this ORDER is in effect,
the Bank increases capital by the sale of new securities, the Board shall adopt and implement a plan for the sale of such additional
securities, including the voting of any shares owned or proxies held by or controlled by them in favor of said plan. Should the
implementation of the plan involve public distribution of Bank securities, including a distribution limited only to the Bank's
existing shareholders, the Bank shall prepare detailed offering materials fully describing the securities being offered, including
an accurate description of the financial condition of the Bank and the circumstances giving rise to the offering, and other material
disclosures necessary to comply with Federal securities laws. Prior to the implementation of the plan and, in any event, not less
than twenty (20) days prior to the dissemination of such materials, the materials used in the sale of the securities shall be submitted
to the FDIC Accounting and Securities Disclosure Section, 550 17<SUP>th</SUP> Street, N.W., Washington, D.C. 20429 and to the Kentucky
Department of Financial Institutions, 1025 Capital Center Drive, Suite 200, Frankfort, Kentucky 40601, for their review. Any changes
requested to be made in the materials by the FDIC or the DFI shall be made prior to their dissemination.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1.05in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c) In complying with the provisions of this
paragraph, the Bank shall provide to any subscriber and/or purchaser of Bank securities written notice of any planned or existing
development or other changes which are materially different from the information reflected in any offering materials used in connection
with the sale of Bank securities. The written notice required by this paragraph shall be furnished within ten (10) calendar days
of the date any material development or change was planned or occurred, whichever is earlier, and shall be furnished to every purchaser
and/or subscriber of the Bank's original offering materials.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d) Should the Bank be unable to reach the
required capital levels within the time frames specified in subparagraph (a) above, then within thirty (30) days of receipt of
written direction from the Regional Director of the FDIC's Chicago Regional Office ("Regional Director") and the DFI,
the Bank shall develop, adopt, and implement a written plan to sell or merge itself into another federally insured financial institution.
A copy of the written plan required by this subparagraph shall be submitted to, and determined to be acceptable by, the Regional
Director and the DFI. </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>DIVIDEND RESTRICTION </U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3. As of the effective date of this ORDER,
the Bank shall not declare or pay any dividend without the prior written consent of the FDIC Regional Director and the DFI.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>LOSS CHARGE-OFF</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4. As of the effective date of this Order
the Bank shall eliminate from its books, by charge-off or collection, all assets or portions of assets classified as "Loss"
in the Report of Examination dated August 15, 2011 ("ROE") and, within ten (10) days of receipt of any subsequent Report
of Examination or Visitation, shall charge-off any additional assets or portions thereof classified "Loss" therein which
have not been previously collected or charged off.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"><U>PROHIBITION OF ADDITIONAL
LOANS TO CLASSIFIED BORROWERS </U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.	(a) As of the effective date of this
ORDER, the Bank shall not extend, directly or indirectly, any additional credit to, or for the benefit of, any borrower who is
already obligated in any manner to the Bank on any extensions of credit (including any portion thereof) that has been charged
off the books of the Bank or classified "Loss" in the ROE or any subsequent Report of Examination or Visitation, so
long as such credit remains uncollected.  </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1in 0pt 0; text-align: justify; text-indent: 1.05in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1in 0pt 0; text-align: justify; text-indent: 1.05in">(b) As of
the effective date of this ORDER, the Bank shall not extend, directly or indirectly, any additional credit (including any extension
of credit for the payment of interest) to, or for the benefit of, any borrower whose loan or other credit has been classified "Substandard"
or "Doubtful" or is listed for "Special Mention" in the ROE, or any subsequent Report of Examination or Visitation,
and remains uncollected unless the Bank's Board has adopted, prior to such extension of credit, a detailed written statement giving
the reasons why such extension of credit is in the best interest of the Bank. A copy of the statement shall be signed by each Director
participating in the decision, and incorporated in the minutes of the applicable Board meeting. A copy of the statement shall be
placed in the appropriate loan file.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.1in 0pt 0; text-align: justify; text-indent: 1.05in"> </P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>REDUCTION OF DELINQUENCIES AND CLASSIFIED
LOANS</U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.	(a) As of the effective date of this
ORDER, the Bank shall continue to adhere to its written plan to reduce the Bank's risk position in each loan in excess of $800,000
which is delinquent in excess of ninety (90) days or classified "Substandard" or "Doubtful" in the ROE, or
in any subsequent Report of Examination or Visitation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b) As used in this paragraph, "reduce"
means to: (1) collect; (2) charge off; (3) sell; or (4) improve the quality of such assets so as to warrant removal of any adverse
classification by the FDIC and the DFI.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>ALLOWANCE FOR LOAN AND LEASE LOSSES</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7. Prior to submission or publication of
all Reports of Condition and Income required by the FDIC after the effective date of this ORDER, the Bank's Board shall review
the adequacy of the Bank's ALLL, provide for an adequate ALLL, and accurately report the same. The minutes of the Board meeting
at which such review is undertaken shall indicate the findings of the review, the amount of increase in the ALLL recommended, if
any, and the basis for determination of the amount of ALLL provided. In making these determinations, the Board shall consider the
FFIEC Instructions for the Reports of Condition and Income and any analysis of the Bank's ALLL provided by the FDIC or DFI.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>LOAN REVIEW AND GRADING</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8. As of the effective date of this ORDER,
the Bank shall continue to maintain its revised and comprehensive loan grading and review procedures in order to effectively manage
and control risks in the loan portfolio. The procedures shall continue to require that such loan grading and review will be performed
by a qualified individual who is not a member of the Bank's lending staff. The loan review procedures shall, at a minimum:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a) Require periodic confirmation of the accuracy
and completeness of the watch list and all risk grades assigned by the Bank's loan officers;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b) Identify loans or relationships that warrant
special attention of management, including but not limited to, loans requiring loss recognition, adjustments to ALLL allocations,
or nonaccrual status;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c) Identify credit and collateral documentation
exceptions and track corrective measures;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d) Identify violations of law, rules, or
regulations and track corrective measures; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e) Identify loans not in conformance with
the Bank's loan policy.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in"><U>CONCENTRATIONS OF
CREDIT </U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">9.	(a) As of the effective date of this
ORDER, the Bank shall continue to implement and follow its written plan to reduce the commercial real estate concentrations identified
in the ROE. The Bank's plan shall continue to prohibit any additional advances that would increase the concentrations or create
new concentrations unless the Bank's board of directors has adopted, prior to such extension of credit, a detailed written statement
giving the reasons why such extension of credit is in the best interests of the Bank. A copy of the statement shall be signed by
each Director, incorporated in the minutes of the applicable board of directors' meeting, and placed in the appropriate loan file.
The Bank's plan shall continue to include, but not be limited to:</P>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(i)</TD><TD STYLE="padding-right: 0; padding-left: 0">Target dollar level and target percentage of of capital to which the Bank plans to reduce each concentration; and</TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(ii)</TD><TD STYLE="padding-right: 0; padding-left: 0">Provision for the submission of monthly written progress reports to the Bank's board of directors for review and notation in
the minutes of the board of directors' meetings.</TD></TR></TABLE>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>CORRECTION OF VIOLATIONS </U></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">10.	(a) Within sixty (60) days from the
effective date of this ORDER, the Bank shall eliminate and/or correct all violations of law, rule, and regulation and shall comply
with the interest rate risk policy statement listed in the ROE.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b) Within sixty (60) days from the effective
date of this ORDER, the Bank shall implement procedures to ensure future compliance with all applicable laws, rules, regulations,
and policy statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>PROFIT PLAN AND BUDGET </U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">11.	(a) Within sixty (60) days from the
effective date of this ORDER, the Bank shall revise and implement revisions to its written profit plan and adopt a realistic, comprehensive
budget for all categories of income and expense for calendar year 2012. The plan required by this paragraph shall contain formal
goals and strategies, consistent with sound banking practices, to reduce discretionary expenses and to improve the Bank's overall
earnings, and shall contain a description of the operating assumptions that form the basis for major projected income and expense
components.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b) The revised written profit plan shall
address, at a minimum:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(i)</TD><TD STYLE="padding-right: 0; padding-left: 0">Realistic and comprehensive budgets;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: center; width: 100%"> </TD></TR></TABLE></DIV>
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<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(ii)</TD><TD STYLE="padding-right: 0; padding-left: 0">A budget review process to monitor the income and expenses of the Bank to compare actual figures with budgetary projections;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(iii)</TD><TD STYLE="padding-right: 0; padding-left: 0">Identification of major areas in, and means by which, earnings will be improved;</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.5in; padding-right: 0; padding-left: 0"></TD><TD STYLE="width: 0.5in; padding-right: 0; padding-left: 0">(iv)</TD><TD STYLE="padding-right: 0; padding-left: 0">A description of the operating assumptions that form the basis for and adequately support major projected income and expense
components.</TD></TR></TABLE>

<P STYLE="margin-top: 0pt; margin-bottom: 0pt; font: 10pt Times New Roman, Times, Serif"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(c) Within thirty (30) days from the end of
each calendar quarter following completion of the revised profit plan and budget required by this paragraph, the Bank's Board shall
evaluate the Bank's actual performance in relation to the plan and budget, record the results of the evaluation, and note any</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">actions taken by the Bank in the minutes of the Board meeting
at which such evaluation is undertaken.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(d) A revised written profit plan and budget
shall be prepared for each subsequent calendar year for which this ORDER is in effect and shall be completed at least thirty (30)
days prior to the beginning of the applicable calendar year.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(e) Copies of all plans and budgets required
by this paragraph shall be submitted to, and approved by, the Regional Director and the DFI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>LIQUIDITY PLAN </U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.	(a) As of the effective date of this
ORDER, the Bank shall continue to implement, follow, and revise as necessary its written contingency funding plan ("Liquidity
Plan"). At a minimum, the Liquidity Plan, and any revisions thereto, shall be prepared in conformance with the Liquidity Risk
Management Guidance found at FIL-84-2008 and include provisions which address the issues identified in the ROE.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(b) On each Friday that the Bank is open for
business, the Bank shall submit to the Regional Director and the DFI a liquidity analysis report in a format that is acceptable
to the Regional Director and the DFI. Said liquidity reporting shall continue until the Board is notified by the Regional Director
and the DFI that submission of such reports is no longer warranted.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.2in 0pt 0; text-indent: 1.05in">(c) A copy of any Liquidity Plan
revisions required by this paragraph shall be submitted to and approved by the Regional Director and the DFI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.2in 0pt 0; text-indent: 1.05in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>NOTIFICATION TO SHAREHOLDER </U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">13. Following the effective date of this
ORDER, the Bank shall send to its shareholder a copy of this ORDER: (1) in conjunction with the Bank's next shareholder communication;
or (2) in conjunction with its notice or proxy statement preceding the Bank's next shareholder meeting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>PROGRESS REPORTS </U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">14. Within thirty (30) days from the end
of each calendar quarter following the effective date of this ORDER, the Bank shall furnish to the Regional Director and the DFI
written progress reports signed by each member of the Bank's Board detailing the actions taken to secure compliance with the ORDER
and the results thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.2in 0pt 0; text-indent: 0.5in">The effective date of this ORDER
shall be the date of its issuance by the FDIC and the DFI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.2in 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The provisions of this ORDER shall be binding
upon the Bank, its institution-affiliated parties, and any successors and assigns thereof.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0; text-indent: 0.5in">The provisions of this ORDER
shall remain effective and enforceable except to the extent that, and until such time as, any provision has been modified, terminated,
suspended, or set aside by the FDIC and the DFI.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0">Issued Pursuant to Delegated Authority.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0.25in 0pt 0"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: <U>March 9, 2012</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-indent: 0.5in"> </P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.1in; text-indent: 0.5in"> </P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 45%; padding-top: 6pt; padding-right: 0; padding-left: 0; border-bottom: Black 1pt solid">/s/ M. Anthony Lowe</TD>
    <TD STYLE="width: 10%; padding-top: 6pt; padding-right: 0; padding-left: 0"> </TD>
    <TD STYLE="width: 45%; padding-top: 6pt; padding-right: 0; padding-left: 0; border-bottom: Black 1pt solid">/s/ Charles A. Vice</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">     M. Anthony Lowe</TD>
    <TD STYLE="padding-right: 0; padding-left: 0"> </TD>
    <TD STYLE="padding-right: 0; padding-left: 0">     Charles A. Vice</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">     Regional Director</TD>
    <TD STYLE="padding-right: 0; padding-left: 0"> </TD>
    <TD STYLE="padding-right: 0; padding-left: 0">     Commissioner</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">     Chicago Regional Office</TD>
    <TD STYLE="padding-right: 0; padding-left: 0"> </TD>
    <TD STYLE="padding-right: 0; padding-left: 0">     Department of Financial Institutions</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 0; padding-left: 0">     Federal Deposit Insurance Corporation</TD>
    <TD STYLE="padding-right: 0; padding-left: 0"> </TD>
    <TD STYLE="padding-right: 0; padding-left: 0">     Commonwealth of Kentucky</TD></TR>
</TABLE>

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