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Gerald F. Lamberti has agreed to join the company’s board of directors immediately after the registration statement of which this prospectus forms a part is declared effective. Mr. Lamberti retired from the Federal Deposit Insurance Corporation in 1998, where he was an attorney for over 25 years, including the last 13 years as Regional Counsel, Kansas City Region, FDIC. Prior to joining the FDIC, Mr. Lamberti was Deputy General Counsel of the United States Catholic Conference in Washington, D.C. He holds a degree in Accounting from St. John’s University School of Commerce and a law degree from St. John’s University Law School. Mr. Lamberti served three years in the U.S. Air Force in the Korean War, in which he received the Distinguished Flying Cross. | 