Document:

Consent of Independent Registered Public Accounting Firm

We consent to the references to our firm under the caption "Independent
Registered Public Accounting Firm" in the Prospectus and in the Statement of
Additional Information and to the use of our report dated February 18, 2005 with
respect to the consolidated financial statements of American Enterprise Life
Insurance Company and to the use of our report dated March 31, 2005 with respect
to the financial statements of American Enterprise Variable Annuity Account
included in Post-Effective Amendment No. 11 to the Registration Statement (Form
N-4, No. 333-73958) for the registration of the Wells Fargo Advantage Choice(SM)
Select Variable Annuity offered by American Enterprise Life Insurance Company.

                                                           /s/ Ernst & Young LLP
                                                           ---------------------
                                                               Ernst & Young LLP
Minneapolis, Minnesota
September 29, 2005SAVB Bylaws Amended as of 7-20-04

    Exhibit
      4.2

    THE
      SAVANNAH BANCORP, INC.

     

    BYLAWS

     

    AS
      AMENDED AND RESTATED ON JULY 20, 2004

     

    ARTICLE
      I

     

    OFFICES

     

    
      	
              1.1

               

            	
              Offices.
                The Savannah Bancorp, Inc. (hereinafter referred to as the “Corporation”)
                shall at all times maintain its principal registered office in the
                State
                of Georgia and a registered agent at that address but may have other
                offices located within or without the State of Georgia as the Board
                of
                Directors may determine.

               

            

    

     

    ARTICLE
      II

     

    SHAREHOLDERS’
      MEETINGS

     

    
      
        	
                2.1

                 

              	
                Annual
                  Meeting.
                  A
                  meeting of shareholders of the Corporation shall be held annually,
                  within
                  five (5) months of the end of each fiscal year of the Corporation.
                  The
                  annual meeting shall be held at such time and place and on such
                  date as
                  the directors shall determine from time to time and as shall be
                  specified
                  in the notice of the meeting. All shareholder proposals to be acted
                  upon
                  at an annual meeting of shareholders must be written and received
                  by the
                  Corporate Secretary at the Corporation’s principal executive offices on or
                  before the date not less than one hundred twenty (120) calendar
                  days prior
                  to the anniversary date on which the Corporation mailed the proxy
                  statement for its immediately preceding annual meeting of shareholders.
                  

                 

              
	
                2.2

                 

              	
                Special
                  Meetings.
                  In addition to special meetings as are provided for by law or by
                  the
                  Articles of Incorporation, special meetings of the shareholders
                  may be
                  called at any time by the Board of Directors, the Chairman of the
                  Board,
                  the Chief Executive Officer or the President or upon written request
                  to
                  the Secretary by any holder or holders of, in the aggregate, at
                  least a
                  majority of all issued and outstanding capital stock of the Corporation.
                  Special meetings shall be held at such time and place and on such
                  date as
                  shall be specified in the notice of the meeting.

                 

              
	
                2.3

                 

              	
                Place.
                  Annual or special meetings of the shareholders may be held within
                  or
                  without the State of Georgia.

                 

              
	
                2.4

                 

              	
                Notice.
                  Notice
                  of annual shareholders’ meetings stating the place, day and hour of the
                  meeting shall be given in writing not less than 10 nor more than
                  60 days
                  before the date of such meeting. Notice of special shareholders’ meetings
                  called by the Board of Directors, the Chairman of the Board, the
                  Chief
                  Executive Officer or the President shall state the place, day and
                  hour of
                  the meeting and shall be given in writing not less than 10 nor
                  more than
                  60 days before the date of such meeting. Notice of special shareholders’
                  meetings called by shareholders holding, in the aggregate, at least
                  a
                  majority of all issued and outstanding capital stock of the Corporation
                  shall state the place, day and hour of the meeting and shall be
                  given in
                  writing not less than 50 nor more than 60 days before the date
                  of such
                  meeting. Notice of any annual or special shareholders’ meeting shall be
                  either mailed to the last known address of such shareholder as
                  shown in
                  the stock records of the Corporation or personally given to the
                  shareholder. Notice of any special meeting of shareholders shall
                  state the
                  purpose or purposes for which the meeting is called. The notice
                  of any
                  meeting at which amendments to or restatements of the Articles
                  of
                  Incorporation, merger or consolidation of the Corporation, or the
                  disposition of corporate assets requiring shareholder approval
                  are to be
                  considered shall state such purpose, and shall further comply with
                  all
                  requirements of law. Notice of a meeting may be waived by an instrument
                  in
                  writing executed before or after the meeting. The waiver need not
                  specify
                  the purpose of the meeting or the business transacted, unless one
                  of the
                  purposes of the meeting concerns a plan of merger or consolidation,
                  in
                  which case the waiver shall comply with the further requirements
                  of law
                  concerning such waivers. Attendance at such meeting in person or
                  by proxy
                  shall constitute a waiver of notice thereof unless the shareholder
                  shall
                  provide written notice to the Corporation prior to the taking of
                  any
                  action by the shareholders at such meeting that his attendance
                  is not to
                  be deemed a waiver of the requirement that such notice be given
                  or of the
                  adequacy of any notice that may have been given to such
                  shareholder.

                 

              

      

       

      
        
          B
            - 1

        

        
          
          

          
            

          

        

         

      

      
        	
                2.5

                 

              	
                Quorum.
                  At
                  all meetings of shareholders a majority of the outstanding shares
                  of stock
                  shall constitute a quorum for the transaction of business, and
                  no
                  resolution or business shall be transacted without the favorable
                  vote of
                  the holders of a majority of the shares represented at the meeting
                  and
                  entitled to vote. A lesser number may adjourn from day to day,
                  and shall
                  announce the time and place to which the meeting is adjourned.
                  At any such
                  adjourned meeting at which a quorum may be present, any business
                  may be
                  transacted which might have been transacted at the meeting as originally
                  called. No notice of any adjourned meeting need be given other
                  than by
                  announcement at the meeting that is being adjourned.

                 

              
	
                2.6

                 

              	
                Proxies;
                  Required Vote.
                  At
                  every meeting of the shareholders, including meetings of shareholders
                  for
                  the election of directors, any shareholder having the right to
                  vote shall
                  be entitled to vote in person or by proxy, but no proxy shall be
                  voted
                  after eleven months from its date, unless said proxy provides for
                  a longer
                  period. Each shareholder shall have one vote for each share of
                  stock
                  having voting power, registered in his name on the books of the
                  Corporation. If a quorum is present, the affirmative vote of the
                  majority
                  of the shares represented at the meeting and entitled to vote on
                  the
                  subject matter shall be the act of the shareholders, except as
                  otherwise
                  provided by law, by the Articles of Incorporation or by these
                  bylaws.

                 

              
	
                2.7

                 

              	
                Presiding
                  Officer and Secretary.
                  At
                  every meeting of shareholders the Chairman of the Board, or in
                  his absence
                  or if there be none, the Vice Chairman of the Board, or in his
                  absence or
                  if there be none, the Chief Executive Officer, or in his absence
                  or if
                  there be none, the President, or in his absence a Vice President,
                  or if
                  none be present, the appointee of the meeting, shall preside. The
                  Secretary, or in his absence an Assistant Secretary, or if none
                  be
                  present, the appointee of the presiding officer of the meeting,
                  shall act
                  as secretary of the meeting.

                 

              
	
                2.8

                 

              	
                Shareholder
                  List.
                  The officer or agent having charge of the stock transfer books
                  of the
                  Corporation shall produce for inspection of any shareholder at,
                  and
                  continuously during, every meeting of the shareholders, a complete
                  alphabetical list of shareholders arranged by voting group (and
                  within
                  each voting group by class or series of shares) showing the address
                  and
                  share holdings of each shareholder. If the record of shareholders
                  readily
                  shows such information, it may be produced in lieu of such a
                  list.

              

      

    

    
       

    

    
      	
              2.9

               

            	
              Action
                in Lieu of Meeting.
                Any action to be taken at a meeting of the shareholders of the
                Corporation, or any action that may be taken at a meeting of the
                shareholders, may be taken without a meeting if a consent in writing
                setting forth the action so taken shall be signed by all of the
                shareholders entitled to vote with respect to the subject matter
                thereof
                and any further requirements of law pertaining to such consents have
                been
                complied with.

               

            

    

    

     

    ARTICLE
      III

     

    DIRECTORS

     

    
      
        	
                3.1

                 

              	
                Management.
                  Subject to these bylaws, the Articles of Incorporation or any lawful
                  agreement between the shareholders, the full and entire management
                  of the
                  affairs and business of the Corporation shall be vested in the
                  Board of
                  Directors, which shall have and may exercise all of the powers
                  that may be
                  exercised or performed by the Corporation.

                 

              
	
                3.2

                 

              	
                Number
                  of Directors.
                  The Board of Directors shall consist of between five (5) and sixteen
                  (16)
                  members. The actual number may be fixed or changed from time to
                  time
                  within the range above established by the shareholders or by the
                  Board of
                  Directors.

                 

              

      

       

      
        
          B
            - 2

        

        
          
          

          
            

          

        

         

      

      
        
          	
                  3.3
                    

                   

                	
                  Vacancies.
                    Any vacancy in the Board of Directors resulting from the death,
                    resignation or retirement of a director, or any other cause other
                    than
                    removal by the shareholders or increase in the number of directors
                    shall
                    be filled by a majority vote of the remaining directors, though
                    less than
                    a quorum, for a term corresponding to the unexpired term of his
                    or her
                    predecessor in office. Newly created directorships resulting
                    from any
                    increase in the authorized number of directors shall be filled
                    by a
                    majority vote of the remaining directors though less than a quorum,
                    and
                    the directors so chosen shall hold office for a term expiring
                    at the next
                    annual meeting of shareholders at which a successor shall be
                    elected and
                    shall qualify.

                   

                
	
                  3.4
                    

                   

                	
                  Election
                    of Directors.
                    Only persons who are nominated in accordance with the procedures
                    specified
                    in this Section 3 shall be eligible for election as directors.
                    Directors
                    for the expiring class shall be elected annually, at the annual
                    meeting of
                    shareholders or at a special meeting in lieu of the annual meeting
                    of
                    shareholders or by written consent of the holders of shares entitled
                    to
                    vote thereon in lieu of a meeting. As set forth in Article VII
                    of the
                    Articles of Incorporation as amended, the Board of Directors
                    shall be
                    divided into three classes as nearly equal in number as possible,
                    with
                    respect to the first time for which they shall severally hold
                    office.
                    Directors of the First Class chosen shall hold office until the
                    first
                    annual meeting of the shareholders following their election;
                    Directors of
                    the Second Class first chosen shall hold office until the second
                    annual
                    meeting following their election; and Directors of the Third
                    Class first
                    chosen shall hold office until the third annual meeting following
                    their
                    election. At each annual meeting of shareholders held thereafter,
                    directors shall be chosen for a term of three (3) years to succeed
                    those
                    whose terms expire. If the annual election of directors is not
                    held on the
                    date designated therefore, the directors shall cause such election
                    to be
                    held as soon thereafter as convenient. 

                   

                
	
                  3.5
                    

                   

                	
                  Resignation.
                    Any director may resign at any time either orally at any meeting
                    of the
                    Board of Directors or by so advising the Chairman of the Board,
                    if any, or
                    the Chief Executive Officer, or the President, or by giving written
                    notice
                    to the Corporation. A director who resigns may postpone the effectiveness
                    of his resignation to a future date or upon the occurrence of
                    a future
                    event specified in a written tender of resignation. If no time
                    of
                    effectiveness is specified therein, a resignation shall be effective
                    upon
                    tender. A vacancy shall be deemed to exist at the time a resignation
                    is
                    tendered, and the Board of Directors or the shareholders may,
                    then or
                    thereafter, elect or appoint a successor to take office when
                    the
                    resignation by its terms becomes effective .

                   

                
	
                  3.6
                    

                   

                	
                  Compensation.
                    Directors may be allowed such compensation for attendance at
                    regular or
                    special meetings of the Board of Directors and of any special
                    or standing
                    committees thereof and as officers of the Corporation as may
                    be determined
                    from time to time by resolution of the Board of Directors.

                   

                
	
                  3.7  

                   

                	
                  Nomination
                    of Directors.
                    Nominations of persons for election to the Board of Directors
                    of the
                    Corporation shall be made by the Director Nominating Committee.
                    Shareholders may propose such nominations to the Director Nominating
                    Committee and shall be made pursuant to a timely notice in writing
                    to the
                    Corporate Secretary. To be timely, a shareholder’s nomination must be
                    received by the Corporate Secretary at the Corporation’s principal
                    executive offices not less than 120 calendar days in advance
                    of the annual
                    meeting. Shareholders shall set forth as to each director
                    nominated:

                   

                
	
                  (a)
                    

                   

                	
                  The
                    name, age, business address and residence address of the
                    person;

                   

                
	
                  (b)
                    

                   

                	
                  The
                    principal occupation or employment of the person;

                   

                
	
                  (c)
                    

                   

                	
                  The
                    relevant biographical information, experience and competencies
                    of the
                    person;

                   

                
	
                  (d)
                    

                   

                	
                  The
                    signed consent of the person to serve, if elected;

                   

                
	
                  (e)

                   

                	
                  The
                    name and address, as they appear on the Corporation’s books, of the
                    nominating shareholder; and

                   

                
	
                  (f)
                    

                   

                	
                  The
                    class and number of shares of capital stock of the Corporation
                    which are
                    beneficially owned by the nominating shareholder.

                   

                

        

         

        
          
            B
              - 3

          

          
            
            

            
              

            

          

           

        

        
          	
                  3.8
                    

                   

                	
                  Removal.
                    At
                    any meeting of the shareholders called for the purpose, the entire
                    board
                    of directors or any individual director may be removed from office,
                    with
                    or without cause, upon the affirmative vote of the holders of
                    at least
                    seventy-five percent (75%) of the outstanding voting shares of
                    the
                    Corporation and the affirmative vote of the holders of at least
                    seventy-five percent (75%) of the outstanding voting shares of
                    the
                    Corporation other than those of which an interested shareholder,
                    as
                    defined in Article VIII of the Articles of Incorporation, is
                    the
                    beneficial owner.

                   

                

        

      

    

    

     

    ARTICLE
      IV

     

    COMMITTEES

     

    
      
        	
                4.1
                  

                 

              	
                Executive
                  Committee. 

                 

              
	
                (a)
                  

                 

              	
                The
                  Board of Directors may by resolution adopted by a majority of the
                  entire
                  Board designate an Executive Committee of one or more directors.
                  Each
                  member of the Executive Committee shall hold office until the first
                  meeting of the Board of Directors after the annual meeting of shareholders
                  next following his election and until his successor is elected
                  and
                  qualified, or until his death, resignation or removal, or until
                  he shall
                  cease to be a director.

                 

              
	
                (b)
                  

                 

              	
                During
                  the intervals between the meetings of the Board of Directors, the
                  Executive Committee may exercise all the authority of the Board
                  of
                  Directors; provided, however, that the Executive Committee shall
                  not have
                  the power to amend or repeal any resolution of the Board of Directors
                  that
                  by its terms shall not be subject to amendment or repeal by the
                  Executive
                  Committee, and the Executive Committee shall not have the authority
                  of the
                  Board of Directors in reference to (1) approving or proposing to
                  shareholders action required to be approved by shareholders; (2)
                  filling
                  vacancies on the Board of Directors or on any of its committees;
                  (3)
                  amending the Articles of Incorporation; (4) adopting, amending
                  or
                  repealing bylaws; or (5) approving a plan of merger or share exchange
                  not
                  requiring shareholder approval. 

                 

              
	
                (c)
                  

                 

              	
                The
                  Executive Committee shall meet from time to time on the call of
                  the
                  Chairman of the Board, the Chief Executive Officer, the President
                  or of
                  any two or more members of the Executive Committee. Meetings of
                  the
                  Executive Committee may be held at such place or places, within
                  or without
                  the State of Georgia, as the Executive Committee shall determine
                  or as may
                  be specified or fixed in the respective notices or waivers of such
                  meetings. The Executive Committee may fix its own rules of procedure,
                  including provision for notice of its meeting. It shall keep record
                  of its
                  proceedings and shall report these proceedings to the Board of
                  Directors
                  at the meeting thereof held next after they have been taken, and
                  all such
                  proceedings shall be subject to revision or alteration by the Board
                  of
                  Directors except to the extent that action shall have been taken
                  pursuant
                  to or in reliance upon such proceedings prior to any such revision
                  or
                  alteration.

                 

              
	
                (d)
                  

                 

              	
                The
                  Executive Committee shall act by majority vote of its members,
                  provided,
                  that contracts or transactions of and by the Corporation in which
                  officers
                  or directors of the Corporation are interested shall require the
                  affirmative vote of a majority of the disinterested members of
                  the
                  Executive Committee, at a meeting of the Executive Committee at
                  which the
                  material facts as to the interest and as to the contract or transaction
                  are disclosed or known to the members of the Executive Committee
                  prior to
                  the vote.

                 

              
	
                (e)
                  

                 

              	
                Members
                  of the Executive Committee may participate in committee proceedings
                  by
                  means of conference telephone or similar communications equipment
                  by means
                  of which all persons participating in the proceedings can hear
                  each other,
                  and such participation shall constitute presence in person at such
                  proceedings.

                 

              
	
                (f)
                  

                 

              	
                The
                  Board of Directors, by resolution adopted in accordance with paragraph
                  (a)
                  of this section, may designate one or more directors as alternate
                  members
                  of the Executive Committee who may act in the place and stead of
                  any
                  absent member or members at any meeting of said committee.

                 

              

      

       

      
        
          B
            - 4

        

        
          
          

          
            

          

        

         

      

      
        
          	
                  4.2
                    

                   

                	
                  Audit
                    Committee. 

                   

                
	
                  (a)

                   

                	
                  The
                    Board of Directors may by resolution adopted by a majority of
                    the entire
                    Board designate an Audit Committee of one or more directors.
                    All members
                    of the Audit Committee must meet regulatory independence standards
                    and no
                    Director who is an officer of the Corporation or any subsidiary
                    of the
                    Corporation shall be a member of the committee. The Board of
                    Directors
                    shall elect the Chairman of the Audit Committee who shall preside
                    at all
                    meetings of the Audit Committee and shall perform such other
                    duties as may
                    be designed by the Audit Committee. Each member of the Audit
                    Committee
                    shall hold office for such term or terms as the Board of Directors
                    may
                    determine and until his successor is elected and qualified, or
                    until his
                    death, resignation or removal, or until he shall cease to be
                    a director.
                    

                   

                
	
                  (b)
                    

                   

                	
                  The
                    Audit Committee shall oversee the accounting and financial reporting
                    processes of the Corporation and audits of the Corporation’s financial
                    statements at such time or times as the members of the Audit
                    Committee
                    shall choose. The Audit Committee shall also assist in fulfilling
                    other
                    oversight responsibilities as determined by the Board of Directors.
                    

                   

                
	
                  (c)
                    

                   

                	
                  The
                    Audit Committee shall meet from time to time on call of the Chairman
                    of
                    the Board, the Chief Executive Officer, the President, the Chairman
                    of the
                    Audit Committee or by any other two members of the Audit Committee.
                    Regular meetings of the committee shall be held at such times
                    adopted in
                    an Audit Committee resolution. Meetings of the Audit Committee
                    may be held
                    at such place or places, within or without the State of Georgia,
                    as the
                    Audit Committee shall determine or as may be specified or fixed
                    in the
                    respective notices or waivers of such meetings. The Audit Committee
                    may
                    fix its own rules of procedure, including provision for notice
                    of its
                    meetings. It shall keep records of its acts and proceedings and
                    shall
                    report the same to the Board of Directors at the meeting thereof
                    held next
                    after they have been taken.

                   

                
	
                  (d)
                    

                   

                	
                  Members
                    of the Audit Committee may participate in committee proceedings
                    by means
                    of conference telephone or similar communications equipment by
                    means of
                    which all persons participating in the proceedings can hear each
                    other,
                    and such participation shall constitute presence in person at
                    such
                    proceedings.

                   

                
	
                  (e)
                    

                   

                	
                  The
                    Board of Directors, by resolution adopted in accordance with
                    paragraph (a)
                    of this section, may designate one or more directors as alternate
                    members
                    of the Audit Committee who may act in the place and stead of
                    any absent
                    member or members at any meeting of said committee. 

                   

                
	
                  4.3
                    

                   

                	
                  Director
                    Nominating Committee. 

                   

                
	
                  (a)

                   

                	
                  The
                    Board of Directors may by resolution adopted by a majority of
                    the entire
                    Board designate a Director Nominating Committee of one or more
                    directors.
                    All members of the Director Nominating Committee must meet regulatory
                    independence standards. Each member of the Director Nominating
                    Committee
                    shall hold office for such term or terms as the Board of Directors
                    may
                    determine and until his successor is elected and qualified, or
                    until his
                    death, resignation or removal, or until he shall cease to be
                    a
                    director.

                   

                
	
                  (b)
                    

                   

                	
                  The
                    Director Nominating Committee shall propose, identify and evaluate
                    nominations, submitted by shareholders or otherwise, for election
                    to the
                    Board of Directors of the Corporation. The Director Nominating
                    Committee
                    shall also assist in performing other functions as determined
                    by the Board
                    of Directors. 

                   

                
	
                  (c)
                    

                   

                	
                  The
                    Director Nominating Committee shall meet from time to time on
                    call of the
                    Chairman of the Board, the Chief Executive Officer, the President,
                    the
                    Chairman of the Director Nominating Committee or by any other
                    two members
                    of the Director Nominating Committee. Meetings of the Director
                    Nominating
                    Committee may be held at such place or places, within or without
                    the State
                    of Georgia, as the Director Nominating Committee shall determine
                    or as may
                    be specified or fixed in the respective notices or waivers of
                    such
                    meetings. The Director Nominating Committee may fix its own rules
                    of
                    procedure, including provision for notice of its meetings. It
                    shall keep
                    records of its acts and proceedings and shall report the same
                    to the Board
                    of Directors at the meeting thereof held next after they have
                    been
                    taken.

                   

                
	
                  (d)
                    

                   

                	
                  Members
                    of the Director Nominating Committee may participate in committee
                    proceedings by means of conference telephone or similar communications
                    equipment by means of which all persons participating in the
                    proceedings
                    can hear each other, and such participation shall constitute
                    presence in
                    person at such proceedings.

                   

                
	
                  (e)
                    

                   

                	
                  The
                    Board of Directors, by resolution adopted in accordance with
                    paragraph (a)
                    of this section, may designate one or more directors as alternate
                    Director
                    members of the Nominating Committee who may act in the place
                    and stead of
                    any absent member or members at any meeting of said committee.
                    

                

        

         

        
          
            B
              - 5

          

          
            
            

            
              

            

          

           

        

        
          	
                  4.4
                    

                   

                	
                  Compensation
                    Committee. 

                   

                
	
                  (a)
                    

                   

                	
                  The
                    Board of Directors may by resolution adopted by a majority of
                    the entire
                    Board designate a Compensation Committee of one or more directors.
                    All
                    members of the Compensation Committee must meet regulatory independence
                    standards. Each member of the Compensation Committee shall hold
                    office
                    until the first meeting of the Board of Directors after the annual
                    meeting
                    of shareholders next following his election and until his successor
                    is
                    elected and qualified, or until his death, resignation or removal,
                    or
                    until he shall cease to be a director.

                   

                
	
                  (b)
                    

                   

                	
                  The
                    Compensation Committee shall review and approve compensation
                    of executive
                    officers as well as review and recommend to the Board of Directors
                    incentive and benefit plans and general compensation policies.
                    

                   

                

        

      

    

    
      	
              (c)
                

               

            	
              The
                Compensation Committee shall meet from time to time on the call of
                the
                Chairman of the Board, the Chief Executive Officer, the President,
                the
                Chairman of the Compensation Committee or of any two or more members
                of
                the Executive Committee. Meetings of the Compensation Committee may
                be
                held at such place or places, within or without the State of Georgia,
                as
                the Compensation Committee shall determine or as may be specified
                or fixed
                in the respective notices or waivers of such meetings. The Compensation
                Committee may fix its own rules of procedure, including provision
                for
                notice of its meeting. It shall keep record of its proceedings and
                shall
                report these proceedings to the Board of Directors at the meeting
                thereof
                held next after they have been taken, and all such proceedings shall
                be
                subject to revision or alteration by the Board of Directors except
                to the
                extent that action shall have been taken pursuant to or in reliance
                upon
                such proceedings prior to any such revision or alteration.

               

            
	
              (d)
                

               

            	
              Members
                of the Compensation Committee may participate in committee proceedings
                by
                means of conference telephone or similar communications equipment
                by means
                of which all persons participating in the proceedings can hear each
                other,
                and such participation shall constitute presence in person at such
                proceedings.

               

            
	
              (e)
                

               

            	
              The
                Board of Directors, by resolution adopted in accordance with paragraph
                (a)
                of this section, may designate one or more directors as alternate
                members
                of the Compensation Committee who may act in the place and stead
                of any
                absent member or members at any meeting of said committee.

               

            
	
              4.5

               

            	
              Other
                Committees.
                The Board of Directors, by resolution adopted by a majority of the
                Board,
                may designate one or more additional committees, each committee to
                consist
                of two or more directors of the Corporation, which shall have such
                name or
                names and shall have and may exercise such powers of the Board of
                Directors, except the powers denied to the Executive Committee, as
                may be
                determined from time to time by the Board of Directors. Such Committees
                shall provide for their own rules of procedure, subject to the same
                restrictions thereon as provided for the above committees.

               

            
	
              4.6

               

            	
              Removal.
                The Board of Directors shall have power at any time to remove any
                member
                of any committee, with or without cause, and to fill vacancies in
                and to
                dissolve any such committee.

               

            
	
              4.7
                

               

            	
              Quorum.
                At
                all meetings of each Committee, the participation of a majority of
                members
                shall be necessary to constitute a quorum for the transaction of
                business.
                

               

            

    

     

    
      
        B
          - 6

      

      
        
        

        
          

        

      

       

    

           
      ARTICLE V

     

    MEETINGS
      OF THE BOARD OF DIRECTORS

     

    
      
        	
                5.1

                 

              	
                Time
                  and Place.
                  Meetings of the Board of Directors may be held at any place either
                  within
                  or without the State of Georgia. Each newly elected Board of Directors
                  may
                  hold such meeting at such place and time as shall be fixed by the
                  consent
                  in writing of all the directors. In any such case no notice of
                  such
                  meeting to the newly elected directors shall be necessary in order
                  legally
                  to constitute the meeting. If the Board of Directors is elected
                  by written
                  consent of shareholders without a meeting, then the newly elected
                  Board
                  shall meet as soon as is reasonably practicable after such consent
                  is duly
                  filed with the Corporation, at the call of the Chairman of the
                  Board, if
                  any, the Chief Executive Officer, the President or at least one-third
                  of
                  the directors then in office, at such time and place as shall be
                  specified
                  by written notice thereof given to each director either by personal
                  delivery or by mail, telegram, or cablegram at least two days before
                  the
                  meeting.

                 

              
	
                5.2

                 

              	
                Regular
                  Meetings.
                  Regular meetings of the Board of Directors may be held without
                  notice at
                  such time and place, within or without the State of Georgia, as
                  shall be
                  determined by the Board of Directors from time to time. 

                 

              
	
                5.3

                 

              	
                Special
                  Meetings; Notice.
                  Special meetings of the Board of Directors may be called by the
                  Chairman
                  of the Board, the Chief Executive Officer, or the President on
                  not less
                  than one day’s notice by telephone, mail, telegram, cablegram, courier
                  service, facsimile transmission or other electronic means, or personal
                  delivery to each director and shall be called by the Chairman of
                  the
                  Board, the Chief Executive Officer, the President or the Secretary
                  in like
                  manner and on like notice on the written request of any two or
                  more
                  directors. Any such special meeting shall be held at such time
                  and place
                  within or without the State of Georgia, as shall be stated in the
                  notice
                  of meeting. No notice of any meeting of the Board of Directors
                  need state
                  the purposes thereof.

                 

              
	
                5.4

                 

              	
                Waiver
                  of Notice.
                  Notice of any meeting may be waived by an instrument in writing
                  executed
                  before or after the meeting. Attendance in person at any such meeting
                  shall constitute a waiver of notice thereof.

                 

              
	
                5.5

                 

              	
                Quorum.
                  At
                  all meetings of the Board of Directors, the presence of a majority
                  of all
                  directors shall be necessary and sufficient to constitute a quorum
                  for the
                  transaction of business. Directors may participate in any meeting
                  by means
                  of conference telephone or similar communications equipment by
                  means of
                  which all persons participating in the meeting can hear each other,
                  and
                  participation in a meeting by means of such communications equipment
                  shall
                  constitute presence in person at such meeting. The act of a majority
                  of
                  the directors present at any meeting at which there is a quorum
                  shall be
                  the act of the Board of Directors, except as may be otherwise specifically
                  provided by law, the Articles of Incorporation or by these bylaws.
                  In the
                  absence of a quorum a majority of the directors present at any
                  meeting may
                  adjourn the meeting from time to time until a quorum is present.
                  Notice of
                  any adjourned meeting need only be given by announcement at the
                  meeting at
                  which the adjournment is taken.

                 

              
	
                5.6

                 

              	
                Action
                  in Lieu of Meeting.
                  Any action required or permitted to be taken at any meeting of
                  the Board
                  of Directors or of any committee thereof may be taken without a
                  meeting if
                  a written consent setting forth the action so taken is signed by
                  all
                  members of the Board of Directors or of such committee, as the
                  case may
                  be, and such written consent is delivered to the Corporation for
                  filing
                  with the minutes of the proceedings of the Board of Directors or
                  of such
                  committee and any further requirements of law pertaining to such
                  consents
                  have been complied with.

                 

              

      

       

      
        
          B
            - 7

        

        
          
          

          
            

          

        

         

      

      
        	
                5.7

                 

              	
                Interested
                  Directors and Officers.
                  An
                  interested director or officer is one who is a party to a contract
                  or
                  transaction with the Corporation or who is an officer or director
                  of, or
                  has a financial interest in, another corporation, partnership,
                  association
                  or other entity which is a party to a contract or transaction with
                  the
                  Corporation. Contracts and transactions between the Corporation
                  and one or
                  more interested directors or officers shall not be void or voidable
                  solely
                  because of the involvement or vote of such interested persons as
                  long as
                  (i) the contract or transaction is approved in good faith by the
                  Board of
                  Directors or appropriate committee by the affirmative vote of a
                  majority
                  of disinterested directors, even if the disinterested directors
                  be less
                  than a quorum, at a meeting of the Board or committee at which
                  the
                  material facts as to the interest of the interested person or persons
                  and
                  the contract or transaction are disclosed or known to the Board
                  or
                  committee prior to the vote; or (ii) the contract or transaction
                  is
                  approved in good faith by the shareholders after the material facts
                  as to
                  the interest of the interested person or persons and the contract
                  or
                  transaction have been disclosed to them; or (iii) the contract
                  or
                  transaction is fair as to the Corporation as of the time it is
                  authorized,
                  approved or ratified by the Board, committee, or shareholders.
                  Interested
                  directors may be counted in determining the presence of a quorum
                  at a
                  meeting of the Board or committee which authorized the contract
                  or
                  transaction.

                 

              

      

    

     

     

      
         ARTICLE
      VI

     

    OFFICERS,
      AGENTS AND EMPLOYEES

     

    
      	
              6.1

               

            	
              General
                Provisions.
                The officers of the Corporation shall consist of a Chief Executive
                Officer, a President, a Secretary, and a Treasurer, and may include
                a
                Chairman of the Board, a Vice Chairman of the Board, one or more
                Executive
                Vice Presidents, Senior Vice Presidents and Vice Presidents, one
                or more
                Assistant Secretaries, and one or more Assistant Treasurers. The
                officers
                shall be elected by the Board of Directors at the first meeting of
                the
                Board of Directors after the annual meeting of the shareholders in
                each
                year or shall be appointed as provided in these bylaws. The Board
                of
                Directors may elect other officers, agents and employees, who shall
                have
                such authority and perform such duties as may be prescribed by the
                Board
                of Directors. All officers shall hold office until the meeting of
                the
                Board of Directors following the next annual meeting of the shareholders
                after their election or appointment and until their successors shall
                have
                been elected or appointed and shall have qualified. Any two or more
                offices may be held by the same person. Any officer, agent or employee
                of
                the Corporation may be removed by the Board of Directors with or
                without
                cause. Such removal without cause shall be without prejudice to such
                person’s contract rights, if any, but the election or appointment of any
                person as an officer, agent or employee of the Corporation shall
                not of
                itself create contract rights. The compensation of officers, agents
                and
                employees elected by the Board of Directors shall be fixed by the
                Board of
                Directors, but this power may be delegated to any officer, agent
                or
                employee as to persons under his direction or control. The Board
                of
                Directors may require any officer, agent, or employee to give security
                for
                the faithful performance of his duties.

               

            
	
              6.2

               

            	
              Powers
                and Duties of the Chairman of the Board, the Vice Chairman of the
                Board,
                the Chief Executive Officer and the President. The
                powers and duties of the Chairman of the Board, the Vice Chairman
                of the
                Board, the Chief Executive Officer and the President, subject to
                the
                supervision and control of the Board of Directors, shall be those
                usually
                appertaining to their respective offices and whatever other powers
                and
                duties are prescribed by these bylaws or by the Board of
                Directors.

               

            
	
              (a)
                

               

            	
              The
                Chairman of the Board shall preside at all meetings of the Board
                of
                Directors and at all meetings of the shareholders.

               

            
	
              (b)
                

               

            	
              The
                Vice Chairman of the Board shall, in the absence or disability of
                the
                Chairman, perform the duties of the Chairman.

               

            
	
              (c)
                

               

            	
              The
                Chief Executive Officer shall, unless otherwise provided by the Board
                of
                Directors, be the chief executive officer of the Corporation. The
                Chief
                Executive Officer and the President shall have general charge of
                the
                business and affairs of the Corporation and shall keep the Board
                of
                Directors fully advised. The Chief Executive Officer and the President
                shall have the responsibility for having all orders of the Executive
                Committee and the Board of Directors carried into effect. They shall
                employ and discharge employees and agents of the Corporation, except
                such
                as shall be elected by the Board of Directors, and they may delegate
                those
                powers. The Chief Executive Officer shall have such powers and perform
                such duties as generally pertain to the office of the Chief Executive
                Officer, as well as such further powers and duties as may be prescribed
                by
                the Board of Directors. The President shall have such powers and
                perform
                such duties as generally pertain to the office of the President,
                as well
                as such further powers and duties as may be prescribed by the Board
                of
                Directors. The Chief Executive Officer and the President may vote
                the
                shares or other securities of any other domestic or foreign corporation
                of
                any type or kind which may at any time be owned by the Corporation,
                may
                execute any shareholders’ or other consents in respect thereof and may in
                their discretion delegate such powers by executing proxies, or otherwise,
                on behalf of the Corporation. The Board of Directors, by resolution
                from
                time to time, may confer like powers upon any other person or persons.
                

               

            

    

    
      
        B
          - 8

      

      
        
        

        
          

        

      

       

    

    
      	
              6.3

               

            	
              Powers
                and Duties of Vice Presidents. Each
                Executive Vice President, Senior Vice President and Vice President
                shall
                have such powers and perform such duties as the Board of Directors,
                Chief
                Executive Officer or the President may prescribe and shall perform
                such
                other duties as may be prescribed by these bylaws. In the absence
                or
                inability to act of the Chief Executive Officer and the President,
                unless
                the Board of Directors shall otherwise provide, the Executive Vice
                President, or if there be none, the Senior Vice President who has
                served
                in that capacity for the longest time and who shall be present and
                able to
                act, or if there be none, the Vice President who has served in that
                capacity for the longest time and who shall be present and able to
                act,
                shall perform all duties and may exercise any of the powers of the
                Chief
                Executive Officer and the President. The performance of any such
                duty by
                an Executive Vice President, a Senior Vice President or a Vice President
                shall be conclusive evidence of his power to act.

               

            
	
              6.4

               

            	
              Powers
                and Duties of the Secretary.
                The Secretary shall have charge of the minutes of all proceedings
                of the
                shareholders and of the Board of Directors and shall keep the minutes
                of
                all their meetings at which he is present. Except as otherwise provided
                by
                these bylaws, he shall attend to the giving of all notices to shareholders
                and directors. He shall have charge of the seal of the Corporation,
                shall
                attend to its use on all documents the execution of which on behalf
                of the
                Corporation under its seal is duly authorized and shall attest the
                same by
                his signature whenever required. He shall have charge of the record
                of
                shareholders of the Corporation, of all written requests by shareholders
                that notices be mailed to them at an address other than their addresses
                on
                the record of shareholders, and of such other books and papers as
                the
                Board of Directors may direct. Subject to the control of the Board
                of
                Directors, he shall have all such powers and duties as generally
                are
                incident to the position of corporate secretary or as may be assigned
                to
                him by the Chief Executive Officer or the President or the Board
                of
                Directors.

               

            
	
              6.5

               

            	
              Powers
                and Duties of the Treasurer.
                The Treasurer shall have charge of all funds and securities of the
                Corporation, shall endorse the same for deposit or collection when
                necessary and deposit the same to the credit of the Corporation in
                such
                banks or depositories as the Board of Directors may authorize. He
                may
                endorse all commercial documents requiring endorsements for or on
                behalf
                of the Corporation and may sign all receipts and vouchers for payments
                made to the Corporation. He shall have all such powers and duties
                as
                generally are incident to the position of corporate treasurer or
                as may be
                assigned to him by the Chief Executive Officer, the President or
                by the
                Board of Directors.

               

            
	
              6.6

               

            	
              Delegation
                of Duties.
                In
                case of the absence of any officer of the Corporation, or for any
                other
                reason that the Board of Directors may deem sufficient, the Board
                of
                Directors (or in the case of Assistant Secretaries or Assistant Treasurers
                only, the Chief Executive Officer or the President) may confer for
                the
                time being the powers and duties, or any of them, of such officer
                upon any
                other officer (provided that the powers and duties of the Chief Executive
                Officer or the President may not be conferred upon the Secretary,
                and vice
                versa), or elect or appoint any new officer to fill a vacancy created
                by
                death, resignation, retirement or termination of any officer. In
                such
                latter event, such new officer shall serve until the next annual
                election
                of officers.

               

            

    

     

            
      ARTICLE VII

     

     CAPITAL
      STOCK

     

    
      	
              7.1

               

            	
              Certificates.
                The
                interest of each shareholder shall be evidenced by a certificate
                representing shares of the Corporation which shall be in such form
                as the
                Board of Directors may from time to time adopt and shall be numbered
                and
                shall be entered in the books of the Corporation as they are issued.
                Each
                certificate representing shares shall set forth upon the face thereof
                the
                following:

               

            
	
              (a)
                

               

            	
              the
                name of this Corporation;

               

            
	
              (b)
                

               

            	
              that
                the Corporation is organized under the laws of the State of
                Georgia;

               

            

    

    
      
        B
          - 9

      

      
        
        

        
          

        

      

       

    

    
      	
              (c)
                

               

            	
               
                the name or names of the person or persons to whom the certificate
                is
                issued;

               

            
	
              (d)
                

               

            	
               
                the number and class of shares, and the designation of the series,
                if any,
                which the certificate represents;

               

            
	
              (e)
                

               

            	
              
                if
                  any shares represented by the certificate are nonvoting shares,
                  a
                  statement or notation to that effect;
                  and, if the shares represented by the certificate are subordinate
                  to
                  shares of any other class or series with respect to dividends or
                  amounts
                  payable on liquidation, shall further set forth on either the face
                  or back
                  of the certificate a clear and concise statement to that
                  effect.
 

              Each
                certificate shall be signed by the Chief Executive Officer or the
                President or a Vice President and the Secretary or an Assistant Secretary
                and may be sealed with the seal of the Corporation or a facsimile
                thereof.
                If a certificate is countersigned by a transfer agent or registered
                by a
                registrar, other than the Corporation itself or an employee of the
                Corporation, the signature of any such officer of the Corporation
                may be a
                facsimile. In case any officer or officers who shall have signed,
                or whose
                facsimile signature or signatures shall have been used on, any such
                certificate or certificates shall cease to be such officer or officers
                of
                the Corporation, whether because of death, resignation, or otherwise,
                before such certificate or certificate shall have been delivered
                by the
                Corporation, such certificate or certificates may nevertheless be
                delivered as though the person or persons who signed such certificate
                or
                certificates or whose facsimile signatures shall have been used thereon
                had not ceased to be such officer or officers.

               

            
	
              7.2

               

            	
              Shareholder
                List.
                The Corporation shall keep or cause to be kept a record of the
                shareholders of the Corporation which readily shows in alphabetical
                order
                or by alphabetical index, by voting group and, within each voting
                group,
                by classes or series of stock, if any, the names of shareholders
                entitled
                to vote, with the address of and the number of shares held by each.
                Said
                record shall be presented and kept open at all meetings of the
                shareholders. 

               

            
	
              7.3

               

            	
              Transfers
                of Shares.
                Transfers of stock shall be made on the books of the Corporation
                only by
                the person named in the certificate, or by power of attorney lawfully
                constituted in writing, and upon surrender of the certificate thereof,
                or
                in the case of a certificate alleged to have been lost, stolen or
                destroyed, upon compliance with the provisions of Section 7.7 of
                these
                bylaws.

               

            
	
              7.4

               

            	
              Record
                Dates.

               

            
	
              (a)

               

            	
               
                For the purpose of determining shareholders entitled to notice of
                or to
                vote at any meeting of shareholders or any adjournment thereof, or
                entitled to receive payment of any dividend, or in order to make
                a
                determination of shareholders for any other proper purpose, the Board
                of
                Directors may provide that the stock transfer books shall be closed
                for a
                stated period but not to exceed 70 days. If the stock transfer books
                shall
                be closed for the purpose of determining shareholders entitled to
                notice
                of or to vote at a meeting of shareholders, such books shall be closed
                for
                at least 10 days immediately preceding such meeting.

               

            
	
              (b) 

               

            	
               
                In lieu of closing the stock transfer books, the Board of Directors
                may
                fix in advance a date as the record date for any such determination
                of
                shareholders, such date to be not more than 70 days and, in case
                of a
                meeting of shareholders, not less than 10 days prior to the date
                on which
                the particular action requiring such determination of shareholders
                is to
                be taken.

               

            
	
              7.5

               

            	
              Registered
                Owner.
                The Corporation shall be entitled to treat the holder of record of
                any
                share of stock of the Corporation as the person entitled to vote
                such
                share, to receive any dividend or other distribution with respect
                to such
                share, and for all other purposes and accordingly shall not be bound
                to
                recognize any equitable or other claim or interest in such share
                on the
                part of any other person, whether or not it shall have express or
                other
                notice thereof, except as otherwise provided by law.

               

            
	
              7.6

               

            	
              Transfer
                Agents and Registrars.
                The Board of Directors may appoint one or more transfer agents and
                one or
                more registrars and may require each stock certificate to bear the
                signature or signatures of a transfer agent or a registrar or
                both.

               

            

    

    
      
        B
          - 10

      

      
        
        

        
          

        

      

       

    

    
      	
              7.7

               

            	
              Lost
                Certificate.
                Any person claiming a certificate of stock to be lost, stolen or
                destroyed
                shall make an affidavit or affirmation of the fact in such manner
                as the
                Board of Directors may require and shall, if the directors so require,
                give the Corporation a bond of indemnity in form and amount and with
                one
                or more sureties satisfactory to the Board of Directors, whereupon
                an
                appropriate new certificate may be issued in lieu of the certificate
                alleged to have been lost, stolen or destroyed.

               

            
	
              7.8

               

            	
              Fractional
                Shares or Scrip.
                The Corporation may, when and if authorized so to do by its Board
                of
                Directors, issue certificates for fractional shares or scrip in order
                to
                effect share transfers, share distributions or reclassifications,
                mergers,
                consolidations or reorganizations. Holders of fractional shares shall
                be
                entitled, in proportion to their fractional holdings, to exercise
                voting
                rights, receive dividends and participate in any of the assets of
                the
                Corporation in the event of liquidation. Holders of scrip shall not,
                unless expressly authorized by the Board of Directors, be entitled
                to
                exercise any rights of a shareholder of the Corporation, including
                voting
                rights, dividend rights or the right to participate in any distribution
                of
                assets of the Corporation in the event of liquidation. In lieu of
                issuing
                fractional shares or scrip, the Corporation may pay in cash the fair
                value
                of fractional interests as determined by the Board of Directors;
                and the
                Board of Directors may adopt resolutions regarding rights with respect
                to
                fractional shares or scrip as it may deem appropriate, including
                without
                limitation the right for persons entitled to receive fractional shares
                to
                purchase such additional fractional shares as may be needed to acquire
                one
                full share, or sell such fractional shares or scrip for the account
                of
                such persons.

               

            

    

     

           
      ARTICLE VIII

     

    BOOKS
      AND RECORDS, SEAL, ANNUAL STATEMENTS, EXPENSES

     

    
      
        	
                8.1

                 

              	
                
                  Inspection
                    of Books and Records. Any
                    person who is the holder of record of, or authorized in writing
                    by the
                    holders of record of, more than two percent (2%) of the outstanding
                    shares
                    of any class or series of the Corporation, upon written demand
                    stating the
                    purpose thereof, shall have the right to inspect in person or
                    by agent or
                    attorney, at any reasonable time or times, excerpts from minutes
                    of any
                    meeting of the Board of Directors, records of any action of a
                    committee
                    thereof while acting in place of the Board of Directors on behalf
                    of the
                    Corporation, minutes of any meeting of shareholders, and records
                    of action
                    taken by the shareholders or Board of Directors without a meeting,
                    accounting records of the Corporation, and the record of shareholders
                    and
                    to make copies there from. 

                

                 

                A
                  shareholder may inspect and copy the records described in the immediately
                  preceding paragraph only if (1) his demand is made in good faith
                  and for a
                  proper purpose that is reasonably relevant to his legitimate interest
                  as a
                  shareholder; (2) he describes with reasonable particularity his
                  purpose
                  and the records he desires to inspect; (3) the records are directly
                  connected with his purpose; and (4) the records are to be used
                  only for
                  the stated purpose.

                 

              
	 	
                If
                  the Secretary or a majority of the Board of Directors or members
                  of the
                  Executive Committee of the Corporation find the request proper,
                  the
                  Secretary shall promptly notify the shareholder of the time and
                  place at
                  which the inspection may be conducted.

                 

              
	 	
                If
                  said request is found by the Secretary, the Board of Directors
                  or the
                  Executive Committee not to be proper, the Secretary shall promptly
                  notify
                  the requesting shareholder on or prior to the date on which the
                  shareholder requested to conduct the inspection. The Secretary
                  shall
                  specify in said notice the basis for the rejection of the shareholder’s
                  request.

                 

              
	 	
                The
                  Secretary, the Board of Directors, and the Executive Committee
                  shall at
                  all times be entitled to rely on the corporate records in making
                  any
                  determination hereunder.

                 

              
	
                8.2

                 

              	
                Seal.
                  The corporate seal shall be in such form as the Board of Directors
                  may
                  from time to time determine. In the event it is inconvenient to
                  use such a
                  seal at any time, the signature of the Corporation followed by
                  the word
                  “Seal” enclosed in parentheses or scroll shall be deemed the seal of
                  the
                  Corporation.

                 

              

      

      
        
          B
            - 11

        

        
          
          

          
            

          
 

      

      
        	
                8.3

                 

              	
                Annual
                  Statements.
                  Not later than four months after the close of each fiscal year,
                  and in any
                  case prior to the next annual meeting of the shareholders, the
                  Corporation
                  shall prepare:

                 

              
	
                (a)
                  

              	
                A
                  balance sheet showing in reasonable detail the financial condition
                  of the
                  Corporation as of the close of its fiscal
                  year;

              

      

    

    
       

    

    
      	
              (b)
                

               

            	
              A
                profit and loss statement showing the results of its operations during
                its
                fiscal year. Upon written request, the Corporation promptly shall
                mail to
                any shareholder of records a copy of the most recent such balance
                sheet
                and profit and loss statement; and

               

            
	
              (c)
                

               

            	
              Such
                other documents and reports as may be required by law.

               

            
	
              8.4

               

            	
              Expenses.
                Expenses incurred by any person who was or is a party or who is threatened
                to be made a party to any threatened, pending, or completed action,
                suit,
                or proceeding, whether civil, criminal, administrative, or investigative,
                and whether formal or informal, by reason of the fact that he is
                or was a
                director, officer, employee, or agent of the Corporation or is or
                was
                serving at the request of the Corporation as a director, officer,
                employee, or agent of another corporation, partnership, joint venture,
                trust or other enterprise, in defending any civil, criminal,
                administrative or investigative action, suit or proceeding may be
                paid by
                the Corporation in advance of the final disposition of such action,
                suit
                or proceeding, as authorized by the Board of Directors generally
                or as to
                a specific case or as to a specific person or persons (designated
                by name,
                title or class of persons) upon receipt of an undertaking by or on
                behalf
                of the director, officer, employee or agent to repay such amount
                if it
                shall ultimately be determined that he is not entitled to be indemnified
                by the Corporation as authorized under the applicable provisions
                of the
                Georgia Business Corporation Code and upon compliance with any further
                requirements of law pertaining to such advances.

               

            
	
              8.5

               

            	
              Nonexclusivity.
                The indemnification provided by Section 8.4 shall not be deemed exclusive
                of any other rights, in respect of indemnification or otherwise,
                to which
                those seeking indemnification may be entitled under any bylaw or
                resolution approved by the affirmative vote of the holders of a majority
                of the shares entitled to vote thereon taken at a meeting the notice
                of
                which specified that such bylaw or resolution would be placed before
                the
                shareholders, both as to action by a director, officer, employee
                or agent
                in his official capacity and as to action in another capacity while
                holding such office or position, provided such indemnification does
                not
                exceed the powers of indemnity permitted to corporations under the
                provisions of the Georgia Business Corporation Code, and shall continue
                as
                to a person who has ceased to be a director, officer, employee or
                agent
                and shall inure to the benefit of the heirs, executors and administrators
                of such a person.

               

            

    

    

     

    ARTICLE
      IX

     

    NOTICES:
      WAIVERS OF NOTICE

     

    
      	
              9.1

               

            	
              Notices.
                Except as otherwise specifically provided in these bylaws, whenever
                under
                the provisions of these bylaws notice is required to be given to
                any
                shareholder, director of officer, it shall not be construed to mean
                personal notice, but such notice may be given by personal notice
                or by
                cable, telegraph, or facsimile transmission, or by mail by depositing
                the
                same in the post office or letter box in a postage-paid sealed wrapper,
                addressed to such shareholder, officer or director at such address
                as
                appears on the books of the Corporation, and such notice shall be
                deemed
                to be given at the time when the same shall be thus sent or
                mailed.

               

            
	
              9.2

               

            	
              Waivers
                of Notice.
                Except as otherwise provided in these bylaws, when any notice whatever
                is
                required to be given by law, by the Articles of Incorporation or
                by these
                bylaws, a written waiver thereof, signed by the person entitled to
                notice,
                whether before or after the time stated therein, shall be deemed
                equivalent to notice. In the case of a shareholder, such waiver of
                notice
                may be signed by the shareholder’s attorney or proxy duly appointed in
                writing.

               

            

    

     

    
      
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      ARTICLE X

     

    EMERGENCY
      POWERS

     

    
      	
              10.1

               

            	
              Bylaws.
                The Board of Directors may adopt emergency bylaws, subject to repeal
                or
                change by action of the shareholders, which shall, notwithstanding
                any
                provision of law, the Articles of Incorporation or these bylaws,
                be
                operative during any emergency in the conduct of the business of
                the
                Corporation resulting from any catastrophic event including, without
                limitation, an attack on the United States or on a locality in which
                the
                Corporation conducts its business or customarily holds meetings of
                its
                Board of Directors or its shareholders, or during any nuclear or
                atomic
                disaster, or during the existence of any catastrophe, or other similar
                emergency condition, as a result of which a quorum of the Board of
                Directors cannot readily be convened for action. The emergency bylaws
                may
                make any provision that may be practical and necessary for the
                circumstances of the emergency.

               

            
	
              10.2

               

            	
              Lines
                of Succession.
                The Board of Directors, either before or during any such emergency,
                may
                provide, and from time to time modify, lines of succession in the
                event
                that during such an emergency any or all officers or agents of the
                Corporation shall for any reason be rendered unavailable or otherwise
                incapable of discharging their duties.

               

            
	
              10.3

               

            	
              Head
                Office.
                The Board of Directors, either before or during any such emergency,
                may,
                effective in the emergency, change the head office or designate several
                alternative head offices or regional offices, or authorize the officers
                to
                do so.

               

            
	
              10.4

               

            	
              Period
                of Effectiveness. To
                the extent not inconsistent with any emergency bylaws so adopted,
                these
                bylaws shall remain, in effect during any such emergency and upon
                its
                termination the emergency bylaws shall cease to be operative. 

               

            
	
              10.5

               

            	
              Notices.
                Unless otherwise provided in emergency bylaws, notice of any meeting
                of
                the Board of Directors during any such emergency may be given only
                to such
                of the directors as it may be practicable to reach at the time, and
                by
                such means as may be practical at the time, including publication,
                radio,
                or television.

               

            
	
              10.6

               

            	
              Officers
                as Directors Pro Tempore.
                To
                the extent required to constitute a quorum at any meeting of the
                Board of
                Directors during any such emergency, the officers of the Corporation
                who
                are present shall, unless otherwise provided in emergency bylaws,
                be
                deemed, in order of rank and within the same rank in order of seniority,
                directors for such meeting.

               

            
	
              10.7

               

            	
              Liability
                of Officers, Directors and Agents.
                No
                officer, director, agent or employee acting in accordance with any
                emergency bylaws shall be liable except for willful misconduct. No
                officer, director, agent or employee shall be liable for any action
                taken
                by him in good faith in such an emergency in furtherance of the ordinary
                business affairs of the Corporation even though not authorized by
                the
                bylaws then in effect.

               

            

    

    

     

    
      
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      ARTICLE XI

     

    CHECKS,
      NOTES, DRAFTS, ETC.

     

    
      	 Checks, notes, drafts, acceptances,
              bills of exchange and other orders or obligations for the payment of
              money
              shall be signed by such officer or officers or person or persons as
              the
              Board of Directors by resolution shall from time to time
              designate.

    

     

     

         
      ARTICLE XII

     

    AMENDMENTS

     

    
      
        	 The bylaws of the Corporation may
                be
                altered or amended and new bylaws may be adopted by the shareholders
                at
                any annual or special meeting of the shareholders or by the Board
                of
                Directors at any regular or special meeting of the Board of Directors;
                provided, however, that if such action is to be taken at a meeting
                of the
                shareholders, notice of the general nature of the proposed change
                in the
                bylaws shall be given in the notice of meeting. The shareholders
                may
                provide by resolution that any bylaw provision repealed, amended,
                adopted,
                or altered by them may not be repealed, amended, adopted or altered
                by the
                Board of Directors. Action by the shareholders with respect to bylaws
                shall be taken by an affirmative vote of a majority of all shares
                entitled
                to elect directors, and action by the Board of Directors with respect
                to
                bylaws shall be taken by an affirmative vote of a majority of all
                directors then holding office.

      

    

     

     

     

     

     

     

    
      
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