Document:

First Federal of Northern Michigan Bancorp, Inc. 8-K 

 

Exhibit 10.1

 

CHANGE IN CONTROL AGREEMENT

This AGREEMENT is
made effective as of January 1, 2015, by and between FIRST FEDERAL OF NORTHERN MICHIGAN, a federally chartered stock savings bank
(the “Bank”), and Michael W. Mahler (“Executive”). Any reference to “Company” herein shall
mean First Federal of Northern Michigan Bancorp, Inc., or any successor thereto.

WHEREAS, the Bank
wishes to assure itself of the continued services of Executive as Chief Executive Officer of the Bank for the period provided in
this Agreement; and

 

WHEREAS,
in order to induce Executive to continue employment with the Bank and to provide further incentive to achieve the financial and
performance objectives of the Bank, the parties desire to specify the benefits which shall be due to Executive in the event of
a Change in Control (as defined below).

NOW, THEREFORE,
in consideration of the contribution of Executive, and upon the other terms and conditions hereinafter provided, the parties hereto
agree as follows:

		1.	TERM OF AGREEMENT

The “term”
of this Agreement shall be twenty-four (24) full calendar months from the effective date of this Agreement set forth above, and
shall include any extension or renewal made pursuant to Section 1 of this Agreement. At least sixty (60) days prior to each anniversary
date of this Agreement, the Compensation Committee will conduct a performance evaluation and review of Executive for purposes of
determining whether to renew or extend this Agreement, and the results thereof shall be included in the minutes of the Compensation
Committee’s meeting. In the event that the Compensation Committee recommends renewal of the Agreement to the Board and the
Board determines to renew or extend the Agreement, this Agreement shall renew or extend for an additional twelve (12) months from
the anniversary date, such that the remaining term of this Agreement shall be twenty-four (24) months from the anniversary date.
In the event the Board determines not to renew or extend this Agreement, the Board shall provide a notice of non-renewal to Executive
at least thirty (30) days prior to the anniversary date of this Agreement. In the event the Board does not renew or extend the
Agreement, the remaining term of this Agreement shall be twelve (12) months from the anniversary date of this Agreement, provided,
however, if the Agreement is in effect on the effective date of a Change in Control (as defined below), the Agreement shall automatically
renew on such date so that the remaining term is twenty-four (24) months. If Executive is also a director then he shall abstain
from any and all voting with respect to the renewal or extension of the term of this Agreement.

		2.	PAYMENTS TO EXECUTIVE UPON CHANGE IN CONTROL AND TERMINATION

This Agreement provides
for certain payments and benefits to Executive only in the event of a Change in Control followed by a termination of Executive’s
services as described in this Agreement.

 

    	 

    	 

    

 

(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 Involuntary Termination of Executive’s employment, other than Termination for Cause, death or Disability of Executive,
the Bank shall be obligated to pay or provide Executive or in the following event of his subsequent death, his beneficiary or beneficiaries,
or his estate, as the case may be:

		(i)	Severance pay is a sum equal to two times the average annual base salary of the Executive during
the prior two years. Such payment shall be payable in a lump-sum within sixty (60) days of the Date of Termination.

		(ii)	Non-taxable medical coverage (at the expense of the Bank) similar to the coverage maintained by
the Bank for Executive prior to his termination, for a period of twenty-four (24) months after the date of termination. Such continued
coverage shall cease upon the earlier of: (i) the date which is two (2) years from Executive’s date of termination or (ii)
the date on which Executive becomes a full-time employee of another employer, provided Executive is entitled to benefits that are
substantially similar to the health and welfare benefits provided by the Bank. If the Bank cannot provide one or more of the benefits
set forth in this paragraph because Executive is no longer an employee, applicable rules and regulations prohibit such benefits
or the payment of such benefits in the manner contemplated, or it would subject the Bank to penalties, then the Bank shall pay
Executive a cash lump sum payment reasonably estimated by the Bank to be equal to the value of such benefits or the value of the
remaining benefits at the time of such determination. Such cash payment shall be made in a lump sum within thirty (30) days after
the later of Executive’s date of termination or the effective date of the rules or regulations prohibiting such benefits
or subjecting the Bank to penalties.

		(iii)	Within sixty (60) days (or within such shorter period to the extent that information can be
reasonably obtained) following the Date of Termination, a lump-sum payment in an amount equal to two (2) times the Bank’s
contributions (i.e., matching contribution, profit sharing contribution and/or safe harbor contribution) to the Bank’s 401(k)
Plan made or accrued on behalf of Executive for the calendar year ending immediately prior to the year in which Executive’s
Date of Termination occurs (or if Executive’s termination occurs on December 31, the contributions for the year in which
the Date of Termination occurs).

		(iv)	Notwithstanding the foregoing, in the event Executive is a “Specified Employee” (within
the meaning of Treasury Regulation §1.409A-1(i)), and to the extent required to avoid penalties under Code Section 409A, no
payment shall be made to Executive under this Section prior to the first day of the seventh month following the termination of
Executive’s employment in excess of the “permitted amount” under Code Section 409A. For these purposes, the “permitted
amount” shall be an amount that does not exceed two times the lesser of: (A) the sum of Executive’s annualized compensation
based upon the annual rate of pay for services provided to the Bank for the calendar year preceding the year in which Executive
has terminated employment with the Bank, or (B) the maximum amount that may be taken into account under a tax-qualified plan pursuant
to Code Section 401(a)(17) for the calendar year in which Executive has terminated employment with the Bank. The payment of the
“permitted amount” shall be made within sixty (60) days following the termination of Executive’s employment.

 

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(b) Upon the occurrence
of a Change in Control, Executive will have such rights as specified in any other employee benefit plan with respect to options,
stock awards or other stock incentives and such other rights as may have been granted to Executive under such plans.

(c)Any payments
to Executive under this Section 2 shall be reduced by applicable withholding taxes.

(d)Notwithstanding
the preceding paragraphs of this Section 2, in no event shall the aggregate payments or benefits to be made or afforded to
Executive under this Agreement, either as a stand-alone benefit or when aggregated with other payments to, or for the benefit of
Executive that are contingent on a Change in Control (the “Termination Benefits”) constitute an “excess parachute
payment” under Section 280G of the Code or any successor thereto, and in order 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 of any aggregate payments or benefits under this Section 2 shall be determined by
Executive, provided, however, that if it is determined that such election by Executive shall be in violation of Code Section 409A,
the allocation of the required reduction shall be pro-rata.

(e)Executive
shall not have the right to receive Termination Benefits pursuant to Section 2 hereof in the event of Executive’s Termination
for Cause or termination of employment due to Executive’s death or Disability.

 

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		3.	DEFINED TERMS

The following capitalized
terms used in this Agreement are defined as set forth below:

(a)Change
in Control. A “Change in Control” of the Bank or the Company shall mean a change in control of a nature that: (i)
would be required to be reported in response to Item 5.01 of the current report on Form 8-K, as in effect on the date hereof, pursuant
to Section 13 or 15(d) of the Securities Exchange Act of 1934 (the “Exchange Act”); or (ii) results in a Change in
Control of the Bank or the Company within the meaning of the Home Owners’ Loan Act, as amended, and applicable rules and
regulations promulgated thereunder (collectively, the “HOLA”) as in effect at the time of the Change in Control; or
(iii) without limitation such a Change in Control shall be deemed to have occurred at such time as (a) any “person”
(as the term is used in Sections 13(d) and 14(d) of the Exchange Act) is or becomes the “beneficial owner” (as defined
in Rule 13d-3 under the Exchange Act), directly or indirectly, of securities of the Company representing 25% or more of the combined
voting power of the Company’s outstanding securities, except for any securities purchased by the Bank’s employee stock
ownership plan or trust; or (b) individuals who constitute the Board on the date hereof (the “Incumbent Board”) cease
for any reason to constitute at least a majority thereof, provided that any person becoming a director subsequent to the
date hereof whose election was approved by a vote of at least three-quarters of the directors comprising the Incumbent Board, or
whose nomination for election by the Company’s stockholders was approved by the same Nominating Committee serving under an
Incumbent Board, shall be, for purposes of this clause (b), considered as though he were a member of the Incumbent Board;
or (c) a plan of reorganization, merger, consolidation, sale of all or substantially all the assets of the Bank or the Company
or similar transaction in which the Bank or Company is not the surviving institution occurs or is effected; or (d) a proxy
statement soliciting proxies from stockholders of the Company is distributed, by someone other than the current management of the
Company, seeking stockholder approval of a plan of reorganization, merger or consolidation of the Company or similar transaction
with one or more business organizations as a result of which the outstanding shares of the class of securities then subject to
the plan are to be exchanged for or converted into cash or property or securities not issued by the Company; or (e) a tender
offer is made for 25% or more of the voting securities of the Company and the shareholders owning beneficially or of record 25%
or more of the outstanding securities of the Company have tendered or offered to sell their shares pursuant to such tender offer
and such tendered shares have been accepted by the tender offeror.

(b)Involuntary
Termination. “Involuntary Termination” of Executive shall mean either (i) Executive’s termination by the
Bank, the Company or any successor(s) thereto during the term of this Agreement and following a Change in Control for any reason
other than a Termination for Cause, Disability or death, or (ii) Executive’s resignation of employment during the term of
this Agreement and following a Change in Control as a result of: any demotion, loss of title, office, significant change in Executive’s
functions, duties or responsibilities, which change would cause Executive’s position to become one of lesser importance,
responsibility or scope from the position held immediately prior to the Change in Control, a material reduction in Executive’s
annual compensation or benefits, relocation of Executive’s principal place of employment by more than 25 miles from its location
immediately prior to the Change in Control, or material breach of this Agreement by the Bank, the Company or its successor(s) following
a Change in Control. Upon the occurrence of any events described in clauses (ii) or (iii) above, Executive shall have the right
to elect to terminate his employment under this Agreement by providing a Notice of Termination within a period not to exceed ninety
(90) days after the initial event giving rise to said right to elect. Upon receiving such notice, the Bank shall have at least
ninety (90) days to remedy any condition set forth in clause (ii) or (iii), provided, however, that the Bank shall be entitled
to waive such period and make an immediate payment hereunder. For purposes of this Section 3(b), “Involuntary Termination”
shall be construed to require “Separation from Service” as defined in Code Section 409A and the Treasury Regulations
promulgated thereunder, provided, however, that the Bank and Executive reasonably anticipate that the level of bona-fide services
Executive would perform after termination 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 12-month period.

 

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(c)Termination
for Cause. “Termination for Cause” shall mean termination because of Executive’s intentional failure to perform
stated duties, personal dishonesty, incompetence, willful misconduct, any breach of fiduciary duty involving personal profit, willful
violation of any law, rule, regulation (other than traffic violations or similar offenses) or final cease and desist order, or
any material breach of any material provision of this Agreement. In determining incompetence, the acts or omissions shall be measured
against standards generally prevailing in the savings institution industry. Notwithstanding the foregoing, Executive shall not
be deemed to have been terminated for Cause unless and until there shall have been delivered to him a copy of a resolution duly
adopted by the affirmative vote of not less than a majority of the members of the Board at a meeting of the Board 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), finding that in the good faith opinion of the Board, Executive was guilty of conduct justifying Termination for 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 Cause.

(d)Disability.
“Disability” shall mean Executive’s inability to perform duties normally associated with his position on
a full-time basis for a period a six consecutive months by reason of illness or other physical or mental disability. The Bank or
the Company may require a physician’s written confirmation that Executive cannot perform his duties because of Executive’s
Disability.

		4.	NOTICE OF TERMINATION

(a)Any 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 reasonable detail the facts and circumstances claimed to provide a basis for termination
of Executive’s employment under the provision so indicated. Any termination by Executive as a result of an Involuntary Termination
under Section 3(b)(ii) or (iii) hereof shall be communicated by Notice of Termination to the Company within ninety (90) days of
the event giving rise to the Involuntary Termination.

(b)“Date
of Termination” shall mean (A) if Executive’s employment is terminated for Disability, thirty (30) days after a Notice
of Termination is given (provided that Executive shall not have returned to the performance of Executive’s duties on a full-time
basis during such thirty (30) day period), (B) any termination of by Executive as a result of an Involuntary Termination as set
forth in Section 3(b)(ii) or (iii), thirty (30) days after a Notice of Termination is given unless the Bank waives its right to
cure and agrees to the Involuntary Termination, and (C) if Executive’s employment is terminated for any other reason, the
date specified in the Notice of Termination (which, in the case of a Termination for Cause, shall be immediate). In no event shall
the Date of Termination exceed thirty (30) days from the date Notice of Termination is given.

		5.	SOURCE OF PAYMENTS

It is intended by
the parties hereto that all payments provided in this Agreement shall be paid in cash or check from the general funds of the Bank.
The Company, however, guarantees payment and 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.

 

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		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.

		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.	REQUIRED PROVISIONS

 

(a)The Bank
may terminate Executive’s employment at any time. Any termination of Executive, however, shall be subject to the terms and
conditions of this Agreement. Executive shall not have the right to receive compensation or other benefits for any period after
Termination for Cause as defined herein.

(b)If Executive
is suspended from office and/or temporarily prohibited from participating in the conduct of the Bank’s affairs by a notice
served under Section 8(e)(3) (12 USC § 1818(e)(3)) or 8(g) (12 USC § 1818(g)) of the Federal Deposit Insurance
Act (the “FDI Act”), the Bank’s obligations under this Agreement shall be suspended as of the date of service,
unless stayed by appropriate proceedings. If the charges in the notice are dismissed, the Bank may in its discretion (i) pay Executive
all or part of the compensation withheld while their contract obligations were suspended and (ii) reinstate (in whole or in part)
any of the obligations which were suspended.

 

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(c)If Executive
is removed and/or permanently prohibited from participating in the conduct of the Bank’s affairs by an order issued under
Section 8(e)(4) (12 USC § 1818(e)(4)) or 8(g)(1) (12 USC § 1818(g)(1)) of the FDI Act, all obligations of the
Bank under this Agreement shall terminate as of the effective date of the order, but vested rights of the contracting parties shall
not be affected.

(d)If the Bank
is in default, as defined in Section 3(x)(1) (12 USC § 1813(x)(1)) of the FDI Act, all obligations of the Bank under
this contract shall terminate as of the date of default, but this paragraph shall not affect any vested rights of the contracting
parties.

(e)All obligations
of the Bank under this contract shall be terminated, except to the extent determined that continuation of the contract is necessary
for the continued operation of the Bank, (i) by the Comptroller of the Office of the Comptroller of the Currency (the “OCC”)
or his or her designee, at the time the Federal Deposit Insurance Corporation (the “FDIC”) enters into an agreement
to provide assistance to or on behalf of the Bank under the authority contained in Section 13(c) (12 USC § 1823(c)) of
the Federal Deposit Insurance Act; or (ii) by the Comptroller or his or her designee at the time the Comptroller or his or her
designee approves a supervisory merger to resolve problems related to operation of the Bank or when the Bank is determined by the
Comptroller to be in an unsafe or unsound condition. Any rights of the parties that have already vested, however, shall not be
affected by such action.

(f)Notwithstanding
anything herein contained to the contrary, any payments to Executive by the Bank or the Company, whether pursuant to this Agreement
or otherwise, are subject to and conditioned upon their compliance with Section 18(k) of the Federal Deposit Insurance Act, 12
U.S.C. § 1828(k), and the regulations promulgated thereunder in 12 C.F.R. Part 359.

		10.	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.

		11.	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.

		12.	GOVERNING LAW

The validity, interpretation,
performance, and enforcement of this Agreement shall be governed by the laws of the State of Michigan, unless superseded or preempted
by Federal law as now or hereafter in effect.

 

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Any dispute or controversy
arising under or in connection with this Agreement shall be settled exclusively by arbitration, conducted before a single arbitrator
selected by the Bank and Executive and 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.

		13.	PAYMENT OF LEGAL FEES

Legal fees pursuant
to any dispute or question of interpretation relating to this Agreement shall be paid by the Executive for those fees incurred
by the Executive and by the Bank for those fees incurred by the Bank.

		14.	SUCCESSOR TO THE BANK

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

 

[Signature page follows]

 

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SIGNATURES

IN WITNESS WHEREOF,
the Bank and the Company have caused this Agreement to be executed by their duly authorized officer or director, and Executive
has executed this Agreement, on the day and date first above written.

	ATTEST: 	 	 	FIRST FEDERAL OF NORTHERN MICHIGAN
	 	 	 	 
	 	 	By:	 
	 	 	 	Name:  Martin A. Thomson
	 	 	 	Title:    Chairman
	 	 	 	 
	ATTEST:	 	 	FIRST FEDERAL OF NORTHERN 
	 	 	 	MICHIGAN BANCORP, INC.
	 	 	 	 
	 	 	By:	 
	 	 	 	Name:  Martin A. Thomson
	 	 	 	Title:    Chairman
	 	 	 	 
	WITNESS:	 	 	EXECUTIVE
	 	 	 
	 	 	By:	 
	 	 	 	Name:  Michael W. Mahler
	 	 	 	Title:    Chief Executive Officer

 

 

    	9EX-4.1

 Exhibit 4.1 
 

 
 PROOF PROOF 
NUMBER SHARES

C 
SEE REVERSE FOR CERTAIN DEFINITIONS 
PACIFIC DATAVISION, INC. 
INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE 
CUSIP 694171 30 7 
C O M M O N S T O C K 
THIS CERTIFIES THAT: 
PROOF 
IS THE OWNER OF 
FULLY PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK OF $0.0001 PAR VALUE EACH
OF 
PACIFIC DATAVISION, INC. 
transferable on the books of the Corporation in
person or by attorney upon surrender of this certificate duly endorsed or assigned. This certificate and the shares represented hereby are subject to the laws of the State of Delaware, and to the Certificate of Incorporation and Bylaws of the
Corporation, as now or hereafter amended. This certificate is not valid until countersigned by the Transfer Agent. 
WITNESS the facsimile seal of the Corporation
and the facsimile signatures of its duly authorized officers. 
COUNTERSIGNED:

CONTINENTAL STOCK TRANSFER & TRUST COMPANY 
DATED: NEW YORK, NY

TRANSFER AGENT 
BY: 
AUTHORIZED OFFICER 
TREASURER & CHIEF FINANCIAL OFFICER 
PRESIDENT & CHIEF EXECUTIVE OFFICER 
PACIFIC DATAVISION, INC. 
CORPORATE 
SEAL 2014 
DELAWARE 
© 1990 COLUMBIA FINANCIAL PRINTING CORP. 

 The following abbreviations, when used in the inscription on the face of this
certificate, shall be construed as though they were written out in full according to applicable laws or regulations: 
  

									
	 TEN COM
	 	  - as tenants in common
	 	 UNIF GIFT MIN ACT -
	  	 ....................Custodian....................

											
	 TEN ENT
	 	   - as tenants by the entireties
	 		 		  	                   (Cust)
	  	
                            
(Minor)

	 JT TEN
	 	   - as joint tenants with right of
	 		 		  	             under Uniform Gifts to Minors

		 	     survivorship and not as tenants
	 		 		  	             Act..................................................

		 	     in common
	 		 		  		  	         (State)

 Additional abbreviations may also be used though not in the above list. 

For Value Received,
                                         
            hereby sell, assign and transfer unto 
  

					
	     PLEASE INSERT SOCIAL SECURITY OR OTHER    

IDENTIFYING NUMBER OF ASSIGNEE
	  		  	
	    	  		  	

  
  

(PLEASE PRINT OR TYPE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE) 

 
  
  

 

			
		
	  
	 	 Shares

 of the stock represented by the within Certificate, and do hereby irrevocably constitute and appoint 

 

			
	  
	 	 Attorney

 to transfer the said stock on the books of the within named Corporation with full power of substitution in the premises.

 Dated
                                         
                            
  

			
		  	  

		  	 NOTICE: THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS WRITTEN UPON THE FACE OF THE CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION OR
ENLARGEMENT OR ANY CHANGE WHATSOEVER.

  
 THE CORPORATION WILL FURNISH TO ANY
STOCKHOLDER, UPON REQUEST AND WITHOUT CHARGE, A FULL STATEMENT OF THE DESIGNATIONS, RELATIVE RIGHTS, PREFERENCES AND LIMITATIONS OF THE SHARES OF EACH CLASS AND SERIES AUTHORIZED TO BE ISSUED, SO FAR AS THE SAME HAVE BEEN DETERMINED, AND OF THE
AUTHORITY, IF ANY, OF THE BOARD TO DIVIDE THE SHARES INTO CLASSES OR SERIES AND TO DETERMINE AND CHANGE THE RELATIVE RIGHTS, PREFERENCES AND LIMITATIONS OF ANY CLASS OR SERIES. SUCH REQUEST MAY BE MADE TO THE SECRETARY OF THE CORPORATION OR TO THE
TRANSFER AGENT NAMED ON THIS CERTIFICATE. 
  

THE SIGNATURE TO THE ASSIGNMENT MUST CORRESPOND TO THE NAME AS WRITTEN UPON THE FACE OF THIS CERTIFICATE IN EVERY PARTICULAR, WITHOUT ALTERATION OR
ENLARGEMENT OR ANY CHANGE WHATSOEVER, AND MUST BE GUARANTEED BY A COMMERCIAL BANK OR TRUST COMPANY OR A MEMBER FIRM OF A NATIONAL OR REGIONAL OR OTHER RECOGNIZED STOCK EXCHANGE IN CONFORMANCE WITH A SIGNATURE GUARANTEE MEDALLION PROGRAM. 

 
 COLUMBIA PRINTING SERVICES, LLC -
www.stockinformation.com

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