PEOPLES COMMUNITY CAPITAL CORP
101904
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<TYPE>EX-10
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<FILENAME>ex10-1_101104.htm
<DESCRIPTION>101904
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<H1 ALIGN=RIGHT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Exhibit 10.1 </FONT></H1>

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<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>STATE OF SOUTH CAROLINA<BR>COUNTY
OF AIKEN </FONT></H1>

<H1 align=right><FONT FACE="Times New Roman, Times, Serif" SIZE=2>CONSULTING AGREEMENT&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>THIS
CONSULTING AGREEMENT </B>(the &#147;Agreement&#148;) is entered into as of 18th day of October,
2004 (the &#147;Effective Date&#148;), by and between <B>PEOPLE&#146;S COMMUNITY BANK OF
SOUTH CAROLINA</B> (&#147;PCB&#148;), <B>FIRST CITIZENS BANK AND TRUST COMPANY, INC.</B>
(&#147;FCB&#148;), and <B>TOMMY B. WESSINGER </B>(&#147;Consultant&#148;). </FONT></P>

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<H1 align=center><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;W
I T N E S S E T H: </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS,</B>
Consultant currently is employed as Chairman and Chief Executive Officer of PCB and its
parent holding company, People&#146;s Community Capital Corporation (&#147;PCCC&#148;),
and in those positions he has provided leadership and guidance in the growth and
development of PCCC&#146;s and PCB&#146;s business; and, </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS,</B>
as of the Effective Date, PCB and PCCC have entered into an Agreement and Plan of
Reorganization and Merger with FCB under which each of them would be been merged into FCB
(the &#147;Merger&#148;) and their operations would be combined with those of FCB; and, </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS,</B>
Employee&#146;s experience and knowledge of PCB&#146;s and PCCC&#146;s operations,
customers, and affairs, and his knowledge of and standing and reputation in PCB&#146;s
market area, have contributed to PCCC&#146;s and PCB&#146;s business success, and they
will be of continuing benefit to FCB in its succession to and continuation of PCB&#146;s
business following the Merger; and, for that reason, and for PCB&#146;s and FCB&#146;s
benefit following the Merger, PCB and FCB desire to engage Consultant&#146;s services as a
consultant to FCB for the Term of Engagement specified below, and to restrict
Consultant&#146;s ability to compete against FCB in certain banking markets during the
Term of Engagement; and, </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS,</B>
if the Merger is completed, Consultant desires to provide services to FCB on that basis;
and, </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS,</B>
PCB, FCB and Consultant desire to set forth the terms and conditions of such a consulting
engagement now in a written agreement and, for that purpose, PCB, FCB and Consultant have
agreed to enter into this Agreement with the intent that this Agreement be binding on and
inure to the benefit of PCB as well as its successors in interest, including FCB following
the Merger; and, </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>WHEREAS,</B>
PCB, FCB and Consultant have agreed that, if the Merger does not become effective on or
before the date specified herein, then this Agreement shall terminate and be of no further
force and effect. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>NOW,
THEREFORE,</B> in consideration of the premises and mutual promises, covenants and conditions
hereinafter set forth, and for other good and valuable considerations, the receipt and
sufficiency of which hereby are acknowledged, PCB, FCB and Consultant hereby agree as
follows: </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>1.&nbsp;&nbsp;&nbsp;&nbsp;
         <I> Engagement.</I></B> &nbsp;&nbsp;PCB and FCB agree to engage Consultant, and Consultant accepts
          engagement with them, upon the terms and conditions stated herein. Beginning on
          the effective date of the Merger (the &#147;Merger Date&#148;), and for and in
          consideration of the payments provided for in Paragraph 3 below, Consultant will
          serve as a consultant to FCB, as successor in interest to PCB, and
          (i)&nbsp;provide such assistance and advice to FCB as it may reasonably request
          from time to time regarding matters involving the former customers and employees
          of PCB and other matters relating to the former operations </FONT></P>





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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>of PCB and the transition of control
over such operations to FCB, (ii)&nbsp;engage in business development activities on
FCB&#146;s behalf in the former market areas of PCB, and advise on and assist FCB in the
promotion of its business in those market areas, all as FCB shall reasonably request from
time to time, and (iii)&nbsp;advise and consult with the Bank regarding such other
business matters within Consultant&#146;s experience and expertise as FCB shall reasonably
request from time to time. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
anything contained in this Agreement to the contrary, Consultant&#146;s services shall be
limited to those of an independent contractor, shall not be on a day-to-day regularly
scheduled operational basis, and shall be provided only when Consultant is reasonably
available, and the monthly payments provided for in Paragraph 3 will be payable to
Consultant each month whether or not FCB requests or utilizes Consultant&#146;s services
during that month. FCB shall make available to Consultant such office space and equipment
and administrative or secretarial assistance as are reasonably necessary for Consultant to
carry out his obligations under this Agreement. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>2.&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Term.</I></B> Unless sooner terminated as provided in this Agreement, the term of
          Consultant&#146;s consulting engagement under this Agreement (the &#147;Term of
          Engagement&#148;) shall be for a period commencing on the Merger Date and
          terminating at the close of business on the second anniversary date of the
          Merger Date (the &#147;Expiration Date&#148;). </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
anything herein to the contrary, neither party hereto shall have any obligation to provide
any services or to make any payments hereunder unless and until the Merger shall become
effective. In the event that the Merger does not become effective on or before September
30, 2005, then, without action on the part of PCB, FCB or Consultant, this Agreement
automatically shall terminate and be of no further force or effect, and neither party
shall have any further rights or obligations hereunder. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>3.&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Payments.</I></B> In consideration of Consultant&#146;s services rendered under
          Paragraph 1, and his agreements under Paragraph 7, of this Agreement, FCB will
          make cash payments to Consultant as described below. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;<B>(a)</B>&nbsp;&nbsp;&nbsp;&nbsp;
          <B><I>Lump Sum Payment.</I></B> Within ten business days following the Merger Date, and in
          lieu of payments hereunder throughout the entire term of Consultant&#146;s
          agreements hereunder, FCB will pay to Consultant, in cash, the sum of <B>ONE
          HUNDRED FORTY-FIVE THOUSAND AND NO/100s DOLLARS </B>($145,000.00). </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;<B>(b)</B>&nbsp;&nbsp;&nbsp;&nbsp;
          <B><I>Monthly Payments.</I></B> During the Term of Engagement, FCB shall pay to Consultant, in
          cash, the sum of <B>TWENTY THOUSAND EIGHT HUNDRED THIRTY-THREE AND 33/100s DOLLARS</B>
          ($20,833.33) per month for twenty-four months. Monthly payments shall be payable
          on the last day of each calendar month, beginning with the calendar month
          following the month during which the Merger Date occurs. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to payments under this Agreement as described above, during the Term of
Engagement FCB shall reimburse Consultant for reasonable business expenses incurred by
Consultant in performance of Consultant&#146;s services hereunder; provided, however, that
Consultant shall, as a condition of reimbursement, incur such expenses and submit
verification of the nature and amount of such expenses in accordance with reimbursement
policies from time to time adopted by FCB and in sufficient detail to comply with rules
and regulations promulgated by the Internal Revenue Service. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>4.&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Service as a Director.</I></B> If requested by FCB and/or its parent company, First
          Citizens Bancorporation, Inc. (&#147;Bancorp&#148;), and subject to his
          nomination and election in accordance with FCB&#146;s and Bancorp&#146;s Bylaws
          and South Carolina law, during the Term of Engagement Consultant agrees to serve
          as a member of either or both of their Boards of Directors. Consultant agrees
          that he will not </FONT></P>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>receive any additional compensation
(including any fees otherwise paid by FCB or Bancorp to their directors) over and above
the payments described above for his service as a member of their Boards or
Committee&#146;s of their Boards. </FONT></P>

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     <h1><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Benefits; Income Taxes. </I></FONT></h1>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>(a)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Benefit Plans.</I></B> As an independent contractor and not an employee of FCB, during
          the Term of Engagement Consultant shall not be eligible to participate in any
          employee benefit plans or programs maintained by FCB for it employees. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;<B>(b)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Taxes; Withholding.</I></B> All cash or other compensation payable or provided to
          Consultant under this Agreement shall be subject to any and all applicable
          taxes, deductions or assessments as are required by law, and Consultant shall be
          solely responsible for any income and other taxes owed on account of his receipt
          of all payments under this Agreement. However, to the extent that FCB reasonably
          believes itself obligated to do so, FCB may withhold any such taxes from any
          payments owed to Consultant hereunder. If the amount of any such taxes that FCB
          believes itself required to withhold and transmit to any governmental or taxing
          authority exceeds the amount of any payments then due and payable to Consultant
          and from which such withholding may be made, then FCB may require that
          Consultant pay to it the full amount of any such taxes then due and, if
          Consultant shall fail to make such payment, FCB may itself advance and pay the
          amount of those taxes and recover any such payments by offset against future
          payments due under this Agreement. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>6.&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Standards of Performance and Conduct.</I></B> During the Term of Engagement, Consultant
          faithfully and diligently shall discharge his obligations under this Agreement
          and perform his duties in a manner which is reasonably competent and
          satisfactory to FCB, and he shall make a reasonable effort in good faith to
          implement FCB&#146;s policies and procedures in effect and as established from
          time to time by FCB. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the execution of his consulting duties under this Agreement, and, if he serves as a
director of FCB or Bancorp, then in the course of such service, Consultant shall, at all
times and in all material respects, comply with any codes or standards of conduct or
ethics policies of FCB that apply to him as in effect as of the Effective Date or as may
be adopted, amended or supplemented from time to time subsequent thereto (the &#147;Code
of Conduct&#148;), and with all federal and state statutes, and all rules, regulations,
administrative orders, statements of policy, and other pronouncements or standards
promulgated thereunder, which are applicable to FCB and its business, and operations. </FONT></P>

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     <H1><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Noncompetition; Nonsolicitation; Confidentiality.</I> </FONT></H1>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;<B>(a)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>General.</I></B> Consultant hereby acknowledges and agrees that (i) PCCC and PCB have
          made a significant investment in the development of their business in the
          geographic area identified below as the &#147;Relevant Market&#148; and that, by
          virtue of FCB&#146;s acquisition of PCCC and PCB, FCB will acquire a valuable
          economic interest in PCCC&#146;s and PCB&#146;s business in the Relevant Market
          which it is entitled to protect; (ii)&nbsp;in the course of his past service on
          behalf of PCCC and PCB, Consultant has substantial knowledge of and familiarity
          with PCB&#146;s customers and its dealings with them, and other information
          concerning PCB&#146;s businesses, all of which constitute valuable assets and
          information that currently is proprietary to PCB and that FCB will acquire upon
          consummation of the Merger; and (iii) in order to assure FCB the benefit of its
          acquisition of, and to protect its interest in, PCCC&#146;s and PCB&#146;s
          businesses, it is reasonable and necessary to place certain restrictions on
          Consultant&#146;s ability to compete against FCB and on his disclosure of
          information about FCB&#146;s, PCCC&#146;s and PCB&#146;s businesses and
          customers. For that purpose, and in consideration of the mutual agreements
          contained herein and the payments described in Paragraph&nbsp;3 above,
          Consultant covenants and agrees as provided below. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>(b)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Definitions.</I></B> For purposes of this Paragraph 7, the following terms shall have
          the meanings set forth below: </FONT></P>


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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Compete.</I></B>&nbsp;&nbsp;
          The term &#147;Compete&#148; means: (i) acting as a consultant, officer,
          director, advisory director, independent contractor, employee, organizer or
          sponsor of any Financial Institution that has, or will have, its main or
          principal office in the Relevant Market (as defined below), or, in acting in any
          such capacity with any other Financial Institution, to maintain an office or be
          employed at or assigned to or to have any direct involvement in the management,
          supervision, business, marketing activities, or solicitation of business for or
          operation of any office of such Financial Institution located in the Relevant
          Market; or (ii)&nbsp;directly or indirectly communicating to any Financial
          Institution the names or addresses of or any financial information concerning
          any Person who was a Customer of PCB on the date of the Merger. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B><I>Confidential Information.</I></B>&nbsp;&nbsp;The term "Confidential Information" means any and all information,
including but not limited to figures, projections, estimates, lists, files, records, documents, manuals or other such materials
or information (including any files, data or information maintained electronically, on
microfiche or otherwise) relating to Customers, or relating to PCCC, PCB or FCB and their
respective lending, deposit and trust operations and related businesses, regulatory
examinations, financing sources, financial results and condition, Customers (including
lists of Customers and former customers and information regarding their dealings with PCB
or FCB), prospective Customers, contemplated acquisitions (whether of business or assets),
ideas, methods, marketing investigations, surveys, research, policies and procedures,
computer systems and software, shareholders, Consultants, officers and directors, which is
or has been disclosed to Consultant or of which Consultant became aware as a consequence
of or through Consultant&#146;s relationship to with PCCC, PCB or FCB and which has value
to FCB and is not generally known to its competitors. Confidential Information shall not
include any data or information that has been voluntarily disclosed to the public by FCB
(except where such public disclosure has been made by Consultant without authorization) or
that has been independently developed and disclosed by others, or that otherwise enters
the public domain through lawful means. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B><I>Customer.</I></B>&nbsp;&nbsp;
          The term &#147;Customer &#148; means any Person residing or located within the
          Relevant Market with or to whom PCB has a depository or loan relationship or is
          providing any service or product on the Merger Date, and/or with or to whom FCB
          has a depository or loan relationship or is providing any service or product at
          any time after the Merger Date. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B><I>Financial Institution.</I></B>&nbsp;&nbsp;The term "Financial Institution" means  (i) any federal or state chartered
bank, savings bank, savings and loan association, or credit union (a &#147;Depository Institution&#148;), (ii) any holding
company for, or corporation that owns or controls, any Depository Institution (a
&#147;Holding Company&#148;), (iii) any direct or indirect subsidiary, service corporation
or affiliate of any Depository Institution or Holding Company, or any entity controlled in
any way by any Depository Institution or Holding Company, or (iv) any other Person engaged
in the business of making loans of any type, soliciting or taking deposits, or providing
any other service or product that is provided by FCB or one of its affiliated
corporations. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B><I>Person.</I></B>&nbsp;&nbsp;
          The term &#147;Person&#148; means any natural person or any corporation,
          partnership, proprietorship, joint venture, limited liability company, trust,
          estate, governmental agency or instrumentality, unincorporated association, or
          other entity. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B><I>Relevant Market.</I></B>&nbsp;&nbsp;The term "Relevant Market" means Aiken County and Edgefield County, South
Carolina, and Richmond County and Columbia County, Georgia. </FONT></P>

<BR>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>4</FONT></P>
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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B><I>Restriction Period.</I></B>&nbsp;&nbsp;The term "Restriction Period" means the period beginning on the Merger Date
and ending at the close of FCB&#146;s business on the fifth anniversary of the Merger Date. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>(c)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Covenant Not to Compete. </I></B>Consultant agrees that, during the Restriction Period,
          and in consideration of the payments described in Paragraph 3 above, Consultant
          shall not Compete with FCB. </FONT></P>

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     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>(d)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Covenant Not to Solicit Customers.</I> </B>Consultant agrees that, during the
          Restriction Period, and in consideration of the payments described in Paragraph
          3 above, Consultant shall not directly or indirectly solicit any Customer become
          a depositor in or a borrower from any Financial Institution, to obtain any other
          service or product from any Financial Institution, or to change any depository,
          loan, and/or other banking relationship of the Customer to any Financial
          Institution, other than FCB. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>(e)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Covenant Not to Solicit Employees.</I></B> During the Restriction Period, and in
          consideration of the payments described in Paragraph 3 above, Consultant shall
          not, directly or indirectly, on his own behalf or on behalf of others, solicit,
          recruit or hire away or attempt to solicit, recruit or hire away, to another
          person or entity providing products or services competitive with the business of
          FCB, any full-time, part-time or temporary employee of FCB or its affiliates,
          whether or not such employees are subject to an employment agreement with FCB. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>(f)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Covenant of Confidentiality. </I></B>In consideration of the payments described in
          Paragraph 3 above, Consultant covenants and agrees that all Confidential
          Information shall be considered and kept as the confidential, private and
          proprietary records and information of FCB, and except as shall be required in
          the course of the performance by Consultant of his duties on behalf of FCB or
          otherwise pursuant to the direct, written authorization of FCB, Consultant, will
          not at any time (whether during the Term of Engagement or following the
          expiration or termination thereof): divulge any such Confidential Information to
          any other Person; remove any such Confidential Information in written or other
          recorded form from FCB&#146;s premises; or make any use of any Confidential
          Information for his own purposes or for the benefit of any Person other than
          FCB. The above obligations of confidentiality shall not prohibit the disclosure
          of any such Confidential Information by Consultant to Consultant&#146;s
          attorneys (if each such attorney is advised of the existence of this agreement),
          or to the extent such disclosure is required by subpoena or order of a court or
          regulatory authority of competent jurisdiction, or to the extent that, in the
          reasonable opinion of legal counsel to Consultant (which opinion, unless
          otherwise prohibited by law, shall be delivered in writing to FCB as far in
          advance as practicable prior to such disclosure), disclosure otherwise is
          required by law. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Default" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>(g)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Reasonableness of Restrictions. </I></B>If any of the restrictions set forth in this
          Paragraph&nbsp;7 shall be declared invalid for any reason whatsoever by a court
          of competent jurisdiction, the validity and enforceability of the remainder of
          such restrictions shall not thereby be adversely affected. Consultant
          acknowledges that PCCC and PCB have a substantial presence in the Relevant
          Market, that FCB, through its merger with PCCC and PCB will acquire a legitimate
          economic interest of PCCC and PCB in the Relevant Market which this Paragraph 7
          specifically is intended to protect, and that the Relevant Market and
          Restriction Period are limited in scope to the geographic territory and period
          of time reasonably necessary to protect FCB&#146;s economic interest and
          otherwise are reasonable and proper. In the event the Restriction Period or any
          other such time limitation is deemed to be unreasonable by a court of competent
          jurisdiction, Consultant hereby agrees to submit to such reduction of the
          Restriction Period as the court shall deem reasonable. In the event the Relevant
          Market is deemed by a court of competent jurisdiction to be unreasonable,
          Consultant hereby agrees that the Relevant Market shall be reduced by excluding
          any separately identifiable and geographically severable area necessary to make
          the remaining </FONT></P>

<BR>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>5</FONT></P>
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<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>geographic restriction reasonable,
but this Paragraph 7 shall be enforced as to all other areas included in the Relevant
Market which are not so excluded. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>(h)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Remedies for Breach.</I></B> Consultant understands and acknowledges that his breach or
          violation of any of the covenants contained in Paragraphs 7(c), 7(d), 7(e) and
          7(f) shall be deemed a material breach of this Agreement and will cause
          substantial, immediate and irreparable injury to FCB, and that FCB will have no
          adequate remedy at law for such breach or violation. In the event of
          Consultant&#146;s actual or threatened breach or violation of the covenants
          contained in either such Paragraph, in addition to withholding payments
          hereunder while any such breach shall continue, FCB shall be entitled to bring a
          civil action seeking, and, upon a finding by a court of competent jurisdiction
          that it appears likely that Consultant has breached or threatens to breach any
          of these covenants, shall be entitled to, an injunction restraining Consultant
          from violating or continuing to violate such covenant or from any threatened
          violation thereof, or for any other legal or equitable relief relating to the
          breach or violation of such covenant. Consultant agrees that, if FCB institutes
          any action or proceeding against Consultant seeking to enforce any of such
          covenants or to recover other relief relating to an actual or threatened breach
          or violation of any of such covenants, Consultant shall be deemed to have waived
          the claim or defense that FCB has an adequate remedy at law and shall not urge
          in any such action or proceeding the claim or defense that such a remedy at law
          exists. However, the exercise by FCB of any such right, remedy, power or
          privilege shall not preclude FCB or its successors or assigns from pursuing any
          other remedy or exercising any other right, power or privilege available to it
          for any such breach or violation, whether at law or in equity, including the
          recovery of damages, all of which shall be cumulative and in addition to all
          other rights, remedies, powers or privileges of FCB. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
any provision in this Agreement to the contrary, Consultant agrees that the provisions of
Paragraphs 7(c), 7(d), 7(e) and 7(f) above and the remedies provided in this
Paragraph&nbsp;7(h) for a breach by Consultant shall be in addition to, and shall not be
deemed to supersede or to otherwise restrict, limit or impair the rights of FCB under any
state or federal law or regulation dealing with or providing a remedy for the wrongful
disclosure, misuse or misappropriation of trade secrets or other proprietary or
confidential information. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consultant&#146;s
obligations under this Paragraph 7 shall terminate upon a default by FCB in making the
payments described in Paragraph 3 above. However, notwithstanding any provision of this
Agreement to the contrary, in the event any payment required under Paragraph 3 is not made
by FCB by the due date for that payment, FCB shall not be considered to be in default with
respect to that payment for purposes of this Paragraph 7 unless it shall fail to make that
payment within ten business days after its receipt of written notice from Consultant that
the payment has not been made. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <H1><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Payments following Death of Consultant. </I></FONT></H1>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;<B>(a)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Continuation of Payments.</I></B> In the event that Consultant dies following the Merger
          Date and prior to his receipt of all payments called for under Paragraph 3
          above, then, to the extent that any such payments have not previously been made
          to Consultant, FCB will pay those payments, as and when due hereunder, to such
          individual or individuals as Consultant shall have designated in writing as his
          beneficiary(ies) as provided below or, in the absence of such designation, to
          Consultant&#146;s estate, as applicable. Those payments shall be payable as they
          become due without deductions and the recipient shall be solely responsible for
          the payment of all income and other taxes and assessments, if any, applicable on
          those payments. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Default" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<B>(b)&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Designation of Beneficiary(ies).</I></B>In order to designate one or more beneficiaries
          as described in Paragraph 8(a) above, Consultant shall file a written
          designation with FCB in the form specified by FCB. Each such designation shall
          specify, by name(s), the person(s) to whom any amounts payable under this
          Agreement shall be paid following Consultant&#146;s death. From time to time,
          Consultant may change or </FONT></P>

<BR>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>6</FONT></P>
<!-- MARKER PAGE="sheet: 5; page: 5" -->
<HR SIZE=5 COLOR=GRAY NOSHADE>


<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>revoke a beneficiary designation
without the consent of the beneficiary(ies) by filing a new beneficiary designation form
with FCB, and the filing of a new designation form automatically shall revoke any and all
designation forms previously filed with FCB. A beneficiary designation form not properly
filed with FCB prior to FCB&#146;s death shall be of no force or effect under this
Agreement. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to reasonable restrictions imposed by FCB and to FCB&#146;s right to refuse to accept such
a designation for reasons satisfactory to it, Consultant may designate more than one
beneficiary and/or alternative or contingent beneficiaries, in which case
Consultant&#146;s designation form shall specify the relative shares and terms and
conditions upon which amounts shall be paid to such multiple or alternative or contingent
beneficiaries. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If,
at the time of Consultant&#146;s death, (i) no beneficiary designation is on file with
FCB, (ii) no beneficiary designated by Consultant has survived Consultant, or (iii) there
are other circumstances not covered by the beneficiary designation form on file with FCB,
then Consultant&#146;s estate conclusively shall be deemed to be the beneficiary
designated to receive any amounts then remaining payable to Consultant under this
Agreement. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
making all determinations regarding Consultant&#146;s beneficiary, the latest designation
form filed by Consultant with FCB shall control, and all changes in circumstances that
occur after the filing of that designation shall be ignored. For example, if
Consultant&#146;s spouse is designated as beneficiary in the latest designation filed by
Consultant but, thereafter, is divorced from Consultant, such designation shall remain
valid until and unless Consultant files a later beneficiary designation form with FCB
naming a different beneficiary. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Large Indent Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
check for a payment under this Agreement that is issued on or before the date of
Consultant&#146;s death shall remain payable to Consultant and shall be handled
accordingly, whether or not the check actually is received by Consultant prior to death.
Any check issued after the date of Consultant&#146;s death shall be the property of
Consultant&#146;s beneficiary(ies) determined in accordance with this Paragraph 8(b). </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>9.&nbsp;&nbsp;&nbsp;&nbsp;
          <I>Additional Regulatory Requirements.</I></B> Notwithstanding anything contained in this
          Agreement to the contrary, it is understood and agreed that FCB (or any of its
          successors in interest) shall not be required to make any payment or take any
          action under this Agreement if, in the written opinion of counsel to FCB, such
          payment or action: (a) would be prohibited by or would violate any provision of
          state or federal law applicable to FCB, including without limitation the Federal
          Deposit Insurance Act, as now in effect or hereafter amended, (b) would be
          prohibited by or would violate any applicable rules, regulations, orders or
          statements of policy, whether now existing or hereafter promulgated, of any
          Regulatory Authority, or (c) otherwise would be prohibited by any Regulatory
          Authority. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <H1><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.&nbsp;&nbsp;&nbsp;
          <I>Successors and Assigns. </I></FONT></H1>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>(a)</B>&nbsp;&nbsp;&nbsp;&nbsp;
          This Agreement shall inure to the benefit of and be binding upon FCB as
          successor of PCCC and PCB by virtue of the Merger. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>(b)</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
          This Agreement pertains to the unique and personal skills of Consultant.
          Therefore, Consultant shall be precluded from assigning or delegating his rights
          or duties hereunder. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Default" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>11.&nbsp;&nbsp;&nbsp;
          <I>Modification; Waiver; Amendments.</I></B> Any term or condition of this Agreement may be
          waived, either in whole or in part, at any time by the party which is entitled
          to the benefits thereof; provided, however, that no waiver of any term or
          condition of this Agreement by any party shall be effective unless such waiver
          is in writing and signed by the waiving party. No waiver by either party hereto,
          at any time, of any breach by the other party hereto of, or compliance with, any
          condition or provision of this Agreement to be performed by such other party
          shall be deemed a waiver of similar or </FONT></P>

<BR>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>7</FONT></P>
<!-- MARKER PAGE="sheet: 6; page: 6" -->
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<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>dissimilar provisions or conditions
at the same or at any prior or subsequent time. No failure or delay of any party to
exercise any power, or to insist upon a strict compliance by any other party of any
obligation, and no custom or practice at variance with any terms hereof, shall constitute
a waiver of the right of any party to demand full and complete compliance with such terms.
This Agreement may be amended, modified or supplemented only by an agreement in writing
executed in the same manner as this Agreement. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>12.&nbsp;&nbsp;&nbsp;
          <i>Applicable Law.</i> </B>The parties hereto agree that without regard to principles of
          conflicts of laws, the internal laws of the State of South Carolina shall govern
          and control the validity, interpretation, performance, and enforcement of this
          Agreement, except to the extent that federal law shall be deemed to apply. Any
          suit or action relating to this Agreement shall be instituted and prosecuted
          exclusively in the Courts of Richland County, South Carolina, and each party
          hereto hereby does waive any right or defense relating to such jurisdiction and
          venue. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>13.&nbsp;&nbsp;&nbsp;
         <I>Severability.</I></B> The provisions of this Agreement shall be deemed severable and the
          invalidity or unenforceability of any provision shall not affect the validity or
          enforceability of the other provisions hereof. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>14.&nbsp;&nbsp;&nbsp;
          <I>No Set-Off by Consultant.</I></B> The existence of any claim, demand, action or cause of
          action by Consultant against FCB or its parent or other affiliated companies,
          whether based upon this Agreement or otherwise, shall not constitute a defense
          to the enforcement by FCB of any of its rights hereunder. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>15.&nbsp;&nbsp;&nbsp;
          <I>Delivery of Property upon Request or Termination.</I></B> Upon request by FCB, and in
          any event at the end of the Term of Engagement, Consultant will promptly deliver
          to FCB all property belonging to FCB or its parent or other affiliated
          companies, including without limitation all Protected Information, then in his
          possession or control. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>16.&nbsp;&nbsp;&nbsp;
          <I>Headings. </I></B>The section and paragraph headings and captions in this Agreement have
          been inserted for convenience of reference only and shall not affect in any way
          the meaning or interpretation of any provisions of this Agreement. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>17.&nbsp;&nbsp;&nbsp;
          <I>Notices.</I> </B>Except as otherwise may be provided herein, all notices, claims,
          certificates, requests, demands, and other communications hereunder shall be in
          writing and shall be deemed to have been duly given when hand delivered or sent
          by facsimile transmission by one party to the other, or when deposited by one
          party with the United States Postal Service, postage prepaid; and, if directed
          to PCB or FCB, delivered or addressed to its Chief Financial Officer at its
          principal executive offices, and if to Consultant, delivered or addressed to him
          at his address in PCB and FCB&#146;s records or at such other address as he
          shall specify from time to time in a notice given to PCB and FCB as provided
          above. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Project" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>18.&nbsp;&nbsp;&nbsp;
          <I>Counterparts. </I></B>This Agreement may be executed in any number of counterparts, and
          each such counterpart hereof shall be deemed an original instrument, but all
          such counterparts together shall constitute but one agreement. </FONT></P>

<!-- MARKER FORMAT-SHEET="Para (List) Indent Lv 0- TNR" FSL="Default" -->
     <P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>19.&nbsp;&nbsp;&nbsp;
          <I>Entire Agreement. </I></B>This Agreement (including all schedules, exhibits, and other
          documents attached hereto, and all documents incorporated herein by reference)
          contains the entire agreement of the parties with respect to the transactions
          described herein and supersedes any and all other oral or written agreement(s)
          heretofore made, and there are no representations or inducements by or to, or
          any agreements, promises, warranties, covenants or undertakings among, any of
          the parties hereto that are not expressly set forth in this Agreement. </FONT></P>

<BR>
<P ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>8</FONT></P>
<!-- MARKER PAGE="sheet: 7; page: 7" -->
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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>IN
WITNESS WHEREOF,</B> PCB has caused this Agreement to be executed by its duly authorized
officer in pursuance of authority duly given by its Board of Directors, and Consultant has
set hereunto his hand and adopted as his seal the typewritten word &#147;SEAL&#148;
appearing beside his name, all as of the day and year first above written. </FONT></P>


<TABLE CELLPADDING=0 CELLSPACING=0 BORDER=0 WIDTH=700>
<TR VALIGN=Bottom>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH>
     <TH COLSPAN=3><FONT FACE="Times New Roman, Times, Serif" SIZE=1></FONT></TH></TR>
<TR VALIGN=Bottom>
     <TD WIDTH=47% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=1% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=2% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=48% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>PEOPLE'S COMMUNITY BANK</B></FONT></TD>
     <TD WIDTH=1% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD WIDTH=1% ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>OF SOUTH CAROLINA</B></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
<TR VALIGN=Bottom>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>By:<U>&nbsp;&nbsp;/s/ Thomas H. Lyles&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;</U></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Attested:</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Its:<U>&nbsp;&nbsp;President &amp; Chief Operating Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>&nbsp;&nbsp;/s/ Jean Covington&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</U><BR>Chief Financial Officer</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>FIRST CITIZENS BANK</B></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;AND TRUST COMPANY, INC.</B></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>By:<U>&nbsp;&nbsp;/s/ Jim B. Apple&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;</U></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Attested:</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Its:<U>&nbsp;&nbsp;Chairman and Chief Executive Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>&nbsp;&nbsp;/s/ Kimberly R. Jordan&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U><BR>Assist. Secretary</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><B>CONSULTANT:</B></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2></FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>&nbsp;&nbsp;/s/ Tommy B. Wessinger&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>(SEAL)</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD>
     <TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Tommy B. Wessinger</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD><TD ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</FONT></TD></TR>
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