<table><tbody><tr style="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<td style="width: 0.5in; 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, Times, Serif">●</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>
</tbody></table>