<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">Economic
                                         and industry conditions.</font></td></tr>

</tbody></table>
<table><tbody><tr>
<td></td><td><font>●</font></td><td><font>Economic
                                         and industry conditions.</font></td></tr>
</tbody></table>