Document:

ex10-10.htm

     

    
 

    FORM
OF

    FIRST
AMENDMENT TO

    DIRECTORS
FEE CONTINUATION AGREEMENT

    

    First Amendment, dated as of December
31, 2008 (the “Amendment”), to the Directors Fee Continuation Agreement,
effective June 1, 1995 (as amended, the “Agreement”), by and among Enfield
Federal Savings and Loan Association (the “Corporation”) and
____________________ (the “Director”).  Capitalized terms which are
not defined herein shall have the same meaning as set forth in the
Agreement.

    

    W I T N E
S S E T H:

    

    WHEREAS, the parties desire to amend
the Agreement to comply with the final regulations issued in April 2007 by the
Internal Revenue Service under Section 409A of the Internal Revenue Code of
1986, as amended (the “Code”); and

    

    WHEREAS, pursuant to Paragraph Seventh
of the Agreement, the parties to the Agreement desire to amend the
Agreement;

    

    NOW, THEREFORE, in consideration of the
premises, the mutual agreements herein set forth and such other consideration
the sufficiency of which is hereby acknowledged, the Corporation and the
Director hereby agree to amend the Agreement as follows:

    

    Section
1.                   Amendment to Paragraph
Second of the Agreement.  Paragraph Second of the Agreement is
hereby amended and restated to read in its entirety as follows:

    

    “SECOND:
If the Director is alive and in the employ of the Corporation on his Retirement
Date, the Corporation shall make annual payments to the Director in an amount
equal to one thousand dollars ($1,000) for each full year of service as a
Director from June 1, 1995 plus two hundred fifty dollars ($250) for each full
year of service as a Director prior to June 1, 1995, but in no event shall the
annual payment exceed six thousand dollars ($6,000).

    

    Said
payments shall be made as soon as practicable after the Retirement Date (but not
later than the 60th day
following the Director’s Retirement Date), and annually thereafter for a total
of ten (10) payments.

    

    If the
Director dies after Retirement Date but before the said ten (10) payments
certain have been completed, the Corporation shall pay a lump sum payment equal
to the commuted value (discounted at 7%) of the payments for the remainder of
such period to the beneficiary designated by the Director under Paragraph Third
hereof, within 60 days of the death of the Director.”

    

    

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    Section
2.                   Amendment to Paragraph Third
of the Agreement.  Paragraph Third of the Agreement is hereby
amended and restated to read in its entirety as follows:

    

    “THIRD:  If
a Director dies while a Director of the Corporation and before the Retirement
Date, then, the Corporation shall pay a benefit equal to the commuted value
(discounted at 7%) of the ten (10) annual benefit payments to which the Director
would have been entitled had he lived to the Retirement Date under Paragraph
First hereof.  Said benefit shall be paid to the Director’s primary
beneficiary in a lump sum within 60 days of the death of the
Director.  The Director shall have the right to name and change the
primary beneficiary designation and to designate a contingent beneficiary by
appropriate written notice delivered to the Corporation.  If there is
no beneficiary designated to receive said benefit, or if the designated
beneficiary and contingent beneficiary have predeceased the Director, then the
benefit shall be payable in a lump sum to the estate of the Director within 60
days of the death of the Director.”

    

    Section
3.                   Governing
Law.  This Amendment and the rights and obligations hereunder
shall be governed by and construed in accordance with the laws of the State of
Connecticut, except to the extent preempted by the laws of the United States of
America.

    

    Section
4.                   Compliance with Section 409A
of the Code.  This Amendment shall be interpreted and
administered consistent with Section 409A of the Code.

    

    [Signature
Page to Follow]

    
      
         

      

      
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    IN
WITNESS WHEREOF, the Corporation and the Director have duly executed this
Amendment, effective as of the date first written above.

    

    
      	 
      	
              ENFIELD
      FEDERAL SAVINGS AND LOAN ASSOCIATION

            
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	
              By:

            	 
      
	 
      	
              Name:

            	 
      
	 
      	
              Title:

            	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	
              DIRECTOR

            
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      
	 
      	 
      	 
      

    

    

    

    

    3ex10-14.htm

    
 

    FORM
OF

    NEW
ENGLAND BANK

    AMENDED
AND RESTATED

    CHANGE
IN CONTROL AGREEMENT

    

    

    This
Amended and Restated Change in Control Agreement (the “Agreement”) is made
effective as of July 13, 2009 (the “Effective Date”) by and between New England
Bank, a Connecticut chartered bank (the “Bank”), ________ (the “Executive”)
and New England
Bancshares, Inc. (the “Company”), a Maryland corporation and the holding company
of the Bank, as guarantor.

    

    WHEREAS,
the Company, as guarantor, the Bank, as successor to Enfield Federal Savings and
Loan Association (“Enfield Federal”), and the Executive are currently parties to
a change in control agreement originally entered into on May 10, 2004,
subsequently amended on January 17, 2006, amended and restated effective
February 12, 2007, and further amended on December 8, 2008 (the “Change in
Control Agreement”);

     

    WHEREAS,
Enfield Federal has merged into Valley Bank, a subsidiary of the Company, and
pursuant to the merger Valley Bank changed its name to New England Bank;
and

     

    WHEREAS,
the Company, the Bank and the Executive desire to amend and restate the Change
in Control Agreement in order to reflect the new name of the Bank and to
incorporate the terms of the First Amendment to the Change in Control
Agreement.

     

    NOW,
THEREFORE, in consideration of the promises and mutual covenants herein
contained, is the parties hereby agree as follows:

    

    
      	
              1.

            	
              Term
      of Agreement.

            

    

    

    (a)           The
term of this Agreement shall be the period commencing on the Effective Date and
ending on the second anniversary of the Effective Date, plus any and all
extensions of the initial term made pursuant to this Section 1.

    

    (b)           Commencing
on April 1, 2010 and continuing each anniversary date thereafter, the Board of
Directors of the Bank (the “Board of Directors”) may extend the term of this
Agreement for an additional one (1) year period beyond the then effective
expiration date, provided that Executive shall not have given at least sixty
(60) days’ written notice of his desire that the term not be
extended.

    

    (c)           Notwithstanding
anything in this Section to the contrary, this Agreement shall terminate if
Executive or the Bank terminates Executive’s employment prior to a Change in
Control.

    

    
      	
              2.

            	
              Change
      in Control.

            

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    (a)           Upon
the occurrence of a Change in Control of the Bank or the Company followed at any
time during the term of this Agreement by the termination of Executive’s
employment in accordance with the terms of this Agreement, other than for Just
Cause, as defined in Section 2(c) of this Agreement, the provisions of Section 3
of this Agreement shall apply.  Upon the occurrence of a Change in
Control, Executive shall have the right to elect to voluntarily terminate his
employment at any time during the term of this Agreement following an event
constituting “Good Reason.”

    

    “Good
Reason” means, unless Executive has consented in writing thereto, the occurrence
following a Change in Control, of any of the following:

    

    
      	
               
      

            	
              (i)

            	
              the
      assignment to Executive of any duties materially inconsistent with
      Executive’s position, including any material change in status, title,
      authority, duties or responsibilities or any other action that results in
      a material diminution in such status, title, authority, duties or
      responsibilities, excluding for this purpose an isolated, insubstantial
      and inadvertent action not taken in bad faith and that is remedied by the
      Bank or Executive’s employer reasonably promptly after receipt of notice
      thereof given by the Executive;

            

    

    

    
      	
               
      

            	
              (ii)

            	
              a
      reduction by the Bank or Executive’s employer of the Executive’s base
      salary in effect immediately prior to the Change in
    Control;

            

    

    

    
      	
               
      

            	
              (iii)

            	
              the
      relocation of the Executive’s office to a location more than fifty (50)
      miles from its location as of the date of this
  Agreement;

            

    

    

    
      	
               
      

            	
              (iv)

            	
              the
      taking of any action by the Bank or any of its affiliates or successors
      that would materially adversely affect the Executive’s overall
      compensation and benefits package, unless such changes to the compensation
      and benefits package are made on a non-discriminatory basis to all
      employees; or

            

    

    

    
      	
               
      

            	
              (v)

            	
              the
      failure of the Bank or the affiliate of the Bank by which Executive is
      employed, or any affiliate that directly or indirectly owns or controls
      any affiliate by which Executive is employed, to obtain the assumption in
      writing of the Bank’s obligation to perform this Agreement by any
      successor to all or substantially all of the assets of the Bank or such
      affiliate within thirty (30) days after a reorganization, merger,
      consolidation, sale or other disposition of assets of the Bank or such
      affiliate.

            

    

     

    Provided,
however, that prior to any termination of employment for Good Reason, the
Executive must first provide written notice to the Bank (or its successor in
interest) within ninety (90) days following the initial existence of the
condition, describing the existence of such condition, and the Bank shall
thereafter have the right to remedy the condition within thirty (30) days of the
date the Bank received the written notice from the Executive.  If the
Bank remedies

    
      
         

      

      
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    the
condition within such thirty (30) day cure period, then no Good Reason shall be
deemed to exist with respect to such condition.  If the Bank does not
remedy the condition within such thirty (30) day cure period, then the Executive
may deliver a Notice of Termination for Good Reason at any time within sixty
(60) days following the expiration of such cure period.

    

    (b)           For
purposes of this Agreement, a “Change in Control” shall be deemed to occur on
the earliest of:

    

    
      	
               
      

            	
              (i)

            	
              Merger:  The
      Company or the Bank merges into or consolidates with another corporation,
      or merges another corporation into the Company or the Bank, and as a
      result less than a majority of the combined voting power of the resulting
      corporation immediately after the merger or consolidation is held by
      persons who were stockholders of the Company immediately before the merger
      or consolidation.

            

    

    

    
      	
               
      

            	
              (ii)

            	
              Acquisition of
      Significant Share Ownership:  There is filed or required
      to be filed a report on Schedule 13D or another form or schedule (other
      than Schedule 13G) required under Sections 13(d) or 14(d) of the
      Securities Exchange Act of 1934, if the schedule discloses that the filing
      person or persons acting in concert has or have become the beneficial
      owner of 25% or more of a class of the Company’s voting securities, but
      this clause (ii) shall not apply to beneficial ownership of Company voting
      shares held in a fiduciary capacity by an entity of which the Company
      directly or indirectly beneficially owns 50% or more of its outstanding
      voting securities.

            

    

    

    
      	
               
      

            	
              (iii)

            	
              Change in Board
      Composition:  During any period of two consecutive years,
      individuals who constitute the Bank’s or the Company’s Board of Directors
      at the beginning of the two-year period cease for any reason to constitute
      at least a majority of the Company’s or the Bank’s Board of Directors;
      provided, however, that for purposes of this clause (iii), each director
      who is first elected by the board (or first nominated by the board for
      election by the stockholders) by a vote of at least two-thirds (2/3) of
      the directors who were directors at the beginning of the two-year period
      shall be deemed to have also been a director at the beginning of such
      period; or

            

    

    

    
      	
               
      

            	
              (iv)

            	
              Sale of
      Assets:  The Company or the Bank sells to a third party
      all or substantially all of its
assets.

            

    

    

    Notwithstanding
anything in this Agreement to the contrary, a merger or combination of any
affiliate or subsidiary of the Company into another subsidiary or affiliate of
the Company shall not constitute a Change in Control for purposes of this
Agreement.

    

    (c)           Executive
shall not have the right to receive termination benefits pursuant to Section 3
hereof upon termination for Just Cause.  The term “Just Cause” shall
mean termination

    
      
         

      

      
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    because
of Executive’s personal dishonesty, incompetence, willful misconduct, any breach
of fiduciary duty involving personal profit, intentional failure to perform
stated duties, willful violation of any law, rule, regulation (other than
traffic violations or similar offenses), final cease and desist order, or any
material breach of any provision of this Agreement.  Notwithstanding
the foregoing, Executive shall not be deemed to have been terminated for Just
Cause unless and until there shall have been delivered to him a copy of a
resolution duly adopted by the affirmative vote of a majority of the entire
membership of the Board of Directors at a meeting of the Board of Directors
called and held for that purpose (after reasonable notice to Executive and an
opportunity for him, together with counsel, to be heard before the Board of
Directors), finding that in the good faith opinion of the Board of Directors,
Executive was guilty of conduct justifying termination for Just Cause and
specifying the particulars thereof in detail.  Executive shall not
have the right to receive compensation or other benefits for any period after
termination for Just Cause.  During the period beginning on the date
of the Notice of Termination for Just Cause pursuant to Section 4 hereof through
the Date of Termination, stock options granted to Executive under any stock
option plan shall not be exercisable nor shall any unvested stock awards granted
to Executive under any stock benefit plan of the Bank, the Company or any
subsidiary or affiliate thereof, vest.  At the Date of Termination,
such stock options and any such unvested stock awards shall become null and void
and shall not be exercisable by or delivered to Executive at any time subsequent
to such termination for Just Cause.

    

    (d)           For
purposes of this Agreement, any termination of Executive’s employment shall be
construed to require a “Separation from Service” in accordance with Code Section
409A and the regulations promulgated thereunder, such that the Bank and
Executive reasonably anticipate that the level of bona fide services Executive
would perform after termination of employment would permanently decrease to a
level that is less than 50% of the average level of bona fide services performed
(whether as an employee or an independent contractor) over the immediately
preceding thirty-six (36)-month period.

    

    
      	
              3.

            	
              Termination
      Benefits.

            

    

    

    (a)           If
Executive’s employment is voluntarily (in accordance with Section 2(a) of
this Agreement) or involuntarily terminated within two (2) years of a Change in
Control, Executive shall receive:

    

    
      	
               
      

            	
              (i)

            	
              a
      lump sum cash payment equal to 2.99 times the Executive’s “base amount,”
      within the meaning of Section 280G(b)(3) of the Internal Revenue Code of
      1986, as amended (the “Code”).  Such payment shall be made not
      later than five (5) days following Executive’s termination of employment
      under this Section 3.

            

    

    

    
      	
               
      

            	
              (ii)

            	
              Continued
      life insurance and non-taxable health and dental insurance coverage which
      Executive participated in as of the date of the Change in Control
      (collectively, the “Employee Benefit Plans”) for a period of twenty-four
      (24) months following Executive’s termination of
      employment.  Said coverage shall be provided under the same
      terms and conditions in effect on the date of Executive’s termination of
      employment.

            

    

    
      
         

      

      
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    To the
extent that benefits required under this Section 3(a)(ii) cannot be provided
under the terms of any Bank health and welfare plan, the Bank shall pay the
Executive the value of such benefits in a single cash lump sum distribution
within ten (10) calendar days following the Executive’s termination of
employment; and

    

    
      	
               
      

            	
              (iii)

            	
              Notwithstanding
      the foregoing, in the event the Executive is a Specified Employee (as
      defined herein), then, solely, to the extent required to avoid penalties
      under Code Section 409A, the Executive’s payments shall be delayed until
      the first day of the seventh month following the Executive’s Separation
      from Service.  A “Specified Employee” shall be interpreted to
      comply with Code Section 409A and shall mean a key employee within the
      meaning of Code Section 416(i) (without regard to paragraph 5 thereof),
      but an individual shall be a “Specified Employee” only if the Company is
      publicly traded.

            

    

    

    (b)           Notwithstanding
the preceding provisions of this Section 3, in no event shall the aggregate
payments or benefits to be made or afforded to Executive under said paragraphs
(the “Termination Benefits”) constitute an “excess parachute payment” under
Section 280G of the Code or any successor thereto, and to avoid such a result,
Termination Benefits will be reduced, if necessary, to an amount (the
“Non-Triggering Amount”), the value of which is one dollar ($1.00) less than an
amount equal to three (3) times Executive’s “base amount,” as determined in
accordance with said Section 280G.  The allocation of the reduction
required hereby among the Termination Benefits provided by this Section 3 shall
be determined by Executive, provided however that if it is determined that such
election by the Executive shall be in violation of Code Section 409A, the cash
severance payable pursuant to Section 3 hereof shall be reduced by the minimum
amount necessary to result in no portion of payments and benefits payable to the
Bank under Section 3 being nondeductible to the Bank pursuant to Section 280G of
the Code and subject to excise tax imposed under Section 4999 of the
Code.

    

    
      	
              4.

            	
              Notice
      of Termination.

            

    

    

    (a)           Any
purported termination by the Bank or by Executive shall be communicated by
Notice of Termination to the other party hereto.  For purposes of this
Agreement, a “Notice of Termination” shall mean a written notice which shall
indicate the specific termination provision in this Agreement relied upon and
shall set forth in detail the facts and circumstances claimed to provide a basis
for termination of Executive’s employment under the provision so
indicated.

    

    (b)           “Date
of Termination” shall mean the date specified in the Notice of Termination
(which, in the case of a termination for Just Cause, shall not be less than
thirty (30) days from the date such Notice of Termination is
given).

    

    
      	
              5.

            	
              Source
      of Payments.

            

    

    

    All payments provided in this Agreement
shall be timely paid in cash or check from the general funds of the
Bank.  The Company, however, unconditionally guarantees payment
and

    
      
         

      

      
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    provision
of all amounts and benefits due hereunder to Executive and, if such amounts and
benefits due from the Bank are not timely paid or provided by the Bank, such
amounts and benefits shall be paid or provided by the Company.

    

    6.           Effect
on Prior Agreements and Existing Benefit Plans.

    

    This Agreement contains the entire
understanding between the parties hereto and supersedes any prior agreement
between the Bank and Executive, except that this Agreement shall not affect or
operate to reduce any benefit or compensation inuring to Executive of a kind
elsewhere provided.  No provision of this Agreement shall be
interpreted to mean that Executive is subject to receiving fewer benefits than
those available to him without reference to this Agreement.  Nothing
in this Agreement shall confer upon Executive the right to continue in the
employ of the Bank or shall impose on the Bank any obligation to employ or
retain Executive in its employ for any period.

    

    7.           No
Attachment.

    

    (a)           Except
as required by law, no right to receive payments under this Agreement shall be
subject to anticipation, commutation, alienation, sale, assignment, encumbrance,
charge, pledge, or hypothecation or to execution, attachment, levy or similar
process or assignment by operation of law, and any attempt, voluntary or
involuntary, to affect any such action shall be null, void and of no
effect.

    

    (b)           This
Agreement shall be binding upon, and inure to the benefit of, Executive, the
Bank and their respective successors and assigns.

    

    8.           Modification
and Waiver.

    

    (a)           This
Agreement may not be modified or amended except by an instrument in writing
signed by the parties hereto.

    

    (b)           No
term or condition of this Agreement shall be deemed to have been waived, nor
shall there be any estoppel against the enforcement of any provision of this
Agreement, except by written instrument of the party charged with such waiver or
estoppel.  No such written waiver shall be deemed a continuing waiver
unless specifically stated therein, and each such waiver shall operate only as
to the specific term or condition waived and shall not constitute a waiver of
such term or condition for the future or as to any act other than that
specifically waived.

    

    9.           Severability.

    

    If, for any reason, any provision of
this Agreement, or any part of any provision, is held invalid, such invalidity
shall not affect any other provision of this Agreement or any part of such
provision not held so invalid, and each such other provision and part thereof
shall to the full extent consistent with law continue in full force and
effect.

    
      
         

      

      
        6

        
          

        

      

      
         

      

    

    10.           Headings
for Reference Only.

    

    The headings of sections and paragraphs
herein are included solely for convenience of reference and shall not control
the meaning or interpretation of any of the provisions of this
Agreement.  In addition, references herein to the masculine shall
apply to both the masculine and the feminine.

    

    
      	
              11.

            	
              Governing
      Law.

            

    

    

    Except to the extent preempted by
federal law, the validity, interpretation, performance, and enforcement of this
Agreement shall be governed by the laws of the State of Connecticut, without
regard to principles of conflicts of law of that State.

    

    
      	
              12.

            	
              Arbitration.

            

    

    

    Any dispute or controversy arising
under or in connection with this Agreement shall be settled exclusively by
arbitration, conducted before a panel of three arbitrators sitting in a location
selected by Executive within fifty (50) miles from the location of the Bank, in
accordance with the rules of the American Arbitration Association then in
effect.  Judgment may be entered on the arbitrator’s award in any
court having jurisdiction; provided, however, that Executive shall be entitled
to seek specific performance of his right to be paid until the Date of
Termination during the pendency of any dispute or controversy arising under or
in connection with this Agreement.

    

    
      	
              13.

            	
              Payment
      of Legal Fees.

            

    

    

    All reasonable legal fees paid or
incurred by Executive pursuant to any dispute or question of interpretation
relating to this Agreement shall be paid or reimbursed by the Bank, only if
Executive is successful pursuant to a legal judgment, arbitration or
settlement.  Such payment or reimbursement shall be made to Executive
as soon as practicable but not later than March 15 of the calendar year
immediately following the year in which such expenses were incurred by
Executive.

    

    14.           Indemnification.

    

    The Company or the Bank shall provide
Executive (including his heirs, executors and administrators) with coverage
under a standard directors’ and officers’ liability insurance policy at its
expense and shall indemnify Executive (and his heirs, executors and
administrators) to the fullest extent permitted under applicable law against all
expenses and liabilities reasonably incurred by him in connection with or
arising out of any action, suit or proceeding in which he may be involved by
reason of his having been a director or officer of the Company or the Bank
(whether or not he continues to be a director or officer at the time of
incurring such expenses or liabilities), such expenses and liabilities to
include, but not be limited to, judgments, court costs, attorneys’ fees and the
cost of reasonable settlements.

    
      
         

      

      
        7

        
          

        

      

      
         

      

    

    15.           Successors
to the Bank and the Company.

    

    The Bank and the Company shall require
any successor or assignee, whether direct or indirect, by purchase, merger,
consolidation or otherwise, to all or substantially all of the business or
assets of the Bank or the Company, expressly and unconditionally to assume and
agree to perform the Bank’s and the Company’s obligations under this Agreement,
in the same manner and to the same extent that the Bank and the Company would be
required to perform if no such succession or assignment had taken
place.

    

    16.           Required
Regulatory Provisions.

    

    In the event any of the foregoing
provisions of this Section 16 are in conflict with the terms of this Agreement,
this Section 16 shall prevail.

    

    (a)           The
Bank’s board of directors may terminate Executive’s employment at any time, but
any termination by the Bank, other than termination for Just Cause, shall not
prejudice Executive’s right to compensation or other benefits under this
Agreement.  Executive shall not have the right to receive compensation
or other benefits for any period after termination for Just Cause.

    

    (b)           Any
payments made to Executive pursuant to this Agreement, or otherwise, are subject
to and conditioned upon their compliance with 12 U.S.C. §1828(k) and FDIC
regulation 12 C.F.R. Part 359, Golden Parachute and Indemnification
Payments.

    

    

    
      
         

      

      
        8

        
          

        

      

      
         

      

    

    SIGNATURES

    

    IN WITNESS WHEREOF, New England Bank
and New England Bancshares, Inc. have caused this Agreement to be executed and
their seals to be affixed hereunto by their duly authorized officers, and
Executive has signed this Agreement, on the day and date first above
written.

    

    

    
      	
              ATTEST:

            	 
      	
              NEW
      ENGLAND BANK

            
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	
              By:

            	 
      
	
              Nancy
      L. Grady

            	 
      	 
      	
              For
      the Entire Board of Directors

            
	
              Corporate
      Secretary

            	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	
              ATTEST:

            	 
      	
              NEW
      ENGLAND BANCSHARES, INC.

            
	 
      	 
      	 
      	
              (Guarantor)

            
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	
              By:

            	 
      
	
              Nancy
      L. Grady

            	 
      	 
      	
              For
      the Entire Board of Directors

            
	
              Corporate
      Secretary

            	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	
              WITNESS:

            	 
      	
              EXECUTIVE

            
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	 
      	 
      	 
      	 
      
	
              Nancy
      L. Grady

            	 
      	 
      
	
              Corporate
      Secretary

            	 
      	 
      	 
      

    

    

    

    

    

    

    9

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