<table><tbody><tr style="vertical-align: top; font: 10pt Times New Roman, Times, Serif">

<td style="width: 1in; font: 10pt Times New Roman, Times, Serif"></td><td style="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><font style="font: 10pt Times New Roman">●</font></td><td style="text-align: justify; font: 10pt Times New Roman, Times, Serif"><font style="font: 10pt Times New Roman, Times, Serif">Aspects

                                                                                                                                                                                                 of

                                                                                                                                                                                                 the

                                                                                                                                                                                                 legal

                                                                                                                                                                                                 and

                                                                                                                                                                                                 regulatory

                                                                                                                                                                                                 environment

                                                                                                                                                                                                 which

                                                                                                                                                                                                 are

                                                                                                                                                                                                 expected

                                                                                                                                                                                                 to

                                                                                                                                                                                                 impact

                                                                                                                                                                                                 future

                                                                                                                                                                                                 cash

                                                                                                                                                                                                 flows,

                                                                                                                                                                                                 such

                                                                                                                                                                                                 as

                                                                                                                                                                                                 the

                                                                                                                                                                                                 Dodd-Frank

                                                                                                                                                                                                 Act;</font></td></tr>                                                                                                                                                                                                                      <tr style="vertical-align: top; font: 10pt Times New Roman, Times, Serif">

<td style="font: 10pt Times New Roman, Times, Serif">&nbsp;</td><td style="font: 10pt Times New Roman, Times, Serif">&nbsp;</td><td style="text-align: justify; font: 10pt Times New Roman, Times, Serif">&nbsp;</td></tr>

</tbody></table>
<table><tbody><tr>
<td></td><td><font>●</font></td><td><font>Aspects

                                                                                                                                                                                                 of

                                                                                                                                                                                                 the

                                                                                                                                                                                                 legal

                                                                                                                                                                                                 and

                                                                                                                                                                                                 regulatory

                                                                                                                                                                                                 environment

                                                                                                                                                                                                 which

                                                                                                                                                                                                 are

                                                                                                                                                                                                 expected

                                                                                                                                                                                                 to

                                                                                                                                                                                                 impact

                                                                                                                                                                                                 future

                                                                                                                                                                                                 cash

                                                                                                                                                                                                 flows,

                                                                                                                                                                                                 such

                                                                                                                                                                                                 as

                                                                                                                                                                                                 the

                                                                                                                                                                                                 Dodd-Frank

                                                                                                                                                                                                 Act;</font></td></tr> <tr>
<td> </td><td> </td><td> </td></tr>
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