<table><tbody><tr style="vertical-align: top">
<td style="width: 1in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td style="text-align: justify"><font style="font-family: Times New Roman, Times, Serif">All outstanding loans will become due
on November 23, 2012, provided that following our request, the Bank may in its sole discretion agree to one year extensions of
the maturity date;</font></td></tr></tbody></table>
<table><tbody><tr>
<td></td><td><font>·</font></td><td><font>All outstanding loans will become due
on November 23, 2012, provided that following our request, the Bank may in its sole discretion agree to one year extensions of
the maturity date;</font></td></tr></tbody></table>