<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">All

                                                                                                                                                                                              outstanding

                                                                                                                                                                                              loans

                                                                                                                                                                                              will

                                                                                                                                                                                              become

                                                                                                                                                                                              due

                                                                                                                                                                                              on

                                                                                                                                                                                              November

                                                                                                                                                                                              23,

                                                                                                                                                                                              2013,

                                                                                                                                                                                              provided

                                                                                                                                                                                              that

                                                                                                                                                                                              following

                                                                                                                                                                                              our

                                                                                                                                                                                              request,

                                                                                                                                                                                              the

                                                                                                                                                                                              Bank

                                                                                                                                                                                              may

                                                                                                                                                                                              in

                                                                                                                                                                                              its

                                                                                                                                                                                              sole

                                                                                                                                                                                              discretion

                                                                                                                                                                                              agree

                                                                                                                                                                                              to

                                                                                                                                                                                              one

                                                                                                                                                                                              year

                                                                                                                                                                                              extensions

                                                                                                                                                                                              of

                                                                                                                                                                                              the

                                                                                                                                                                                              maturity

                                                                                                                                                                                              date;</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>All

                                                                                                                                                                                              outstanding

                                                                                                                                                                                              loans

                                                                                                                                                                                              will

                                                                                                                                                                                              become

                                                                                                                                                                                              due

                                                                                                                                                                                              on

                                                                                                                                                                                              November

                                                                                                                                                                                              23,

                                                                                                                                                                                              2013,

                                                                                                                                                                                              provided

                                                                                                                                                                                              that

                                                                                                                                                                                              following

                                                                                                                                                                                              our

                                                                                                                                                                                              request,

                                                                                                                                                                                              the

                                                                                                                                                                                              Bank

                                                                                                                                                                                              may

                                                                                                                                                                                              in

                                                                                                                                                                                              its

                                                                                                                                                                                              sole

                                                                                                                                                                                              discretion

                                                                                                                                                                                              agree

                                                                                                                                                                                              to

                                                                                                                                                                                              one

                                                                                                                                                                                              year

                                                                                                                                                                                              extensions

                                                                                                                                                                                              of

                                                                                                                                                                                              the

                                                                                                                                                                                              maturity

                                                                                                                                                                                              date;</font></td></tr> <tr>
<td> </td><td> </td><td> </td></tr>
</tbody></table>