PACIFIC NORTHWEST BANCORP
EX-10.21
<DOCUMENT>
<TYPE>EX-10.21
<SEQUENCE>5
<FILENAME>j2221_ex10d21.htm
<DESCRIPTION>EX-10.21
<TEXT>
<html>



<head>



<title>Prepared by MERRILL CORPORATION</title>



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<body>



<div class="Section1">



<p align="right" style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt;letter-spacing:

-.1pt">Exhibit 10.21</font></font></p>



<p align="right" style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:right;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p align="center" style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><b><font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-weight:bold">SEVERANCE PAY AGREEMENT</font></font></b></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">1.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160;&#160; </font></font><u>Employer</u>:

<font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160;&#160; </font></font>PACIFIC NORTHWEST BANK (the &#147;Bank&#148;)</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">2.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160;&#160; </font></font><u>Executive</u>:<font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160;&#160; </font></font>BETTE

J. FLORAY</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:35.0pt;margin-right:0in;margin-top:0in;text-indent:-35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">3.</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160;&#160; </font></font><u>Duties</u>:&#160; The Bank hereby agrees to continue the

employment of Executive as an officer of Pacific Northwest Bank with such

duties and responsibilities as may be determined from time to time by the Board

of Directors and by the President of the Bank, subject to the terms hereof.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">4.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160;&#160; </font></font><u>Successors</u>:&#160; This Agreement shall inure to the benefit of

and be binding upon the Bank and its successors and assigns.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:35.0pt;margin-right:0in;margin-top:0in;text-indent:-35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">5.</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160;&#160; </font></font><u>Severance

Pay</u>:&#160; Except as provided in

Paragraph 8 below, if the Bank or successor terminates Executive, Executive

shall be entitled to receive Severance Pay as follows:</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.65pt;margin-right:0in;margin-top:0in;text-indent:-35.65pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">5.1.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160; </font></font>Executive

shall be entitled to a minimum of an amount equal to six (6) months Total

Compensation; and</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.65pt;margin-right:0in;margin-top:0in;text-indent:-35.65pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">5.2.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160; </font></font>After

four (4) years employment, in addition to the six (6) months Total

Compensation, Executive shall be entitled to an amount equal to an additional

one (1) month Total Compensation for each additional twelve (12) months of

employment by Executive with the Bank and/or its successors; provided, however,</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.65pt;margin-right:0in;margin-top:0in;text-indent:-35.65pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">5.3.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160; </font></font>The

total Severance Pay compensation shall not exceed an amount equal to twelve

(12) months Total Compensation.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">6.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160;&#160; </font></font><u>Change

of Control</u>.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.65pt;margin-right:0in;margin-top:0in;text-indent:-35.65pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">6.1.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160; </font></font>In

the event of a Change of Control during the term of Employment, Executive will

be entitled to Severance Pay in an amount equal to twelve (12) months Total

Compensation; <i><font style="font-style:

italic">provided, however</font></i>, Executive shall not be eligible for

Severance Pay if Executive is not terminated by such successor entity within

one (1) year following such Change of Control and Executive is offered

substantially equivalent employment by a successor entity that:</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:1.5in;margin-right:0in;margin-top:0in;text-indent:-.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">(a)</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160; </font></font>Includes

comparable salary and benefits;</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:1.5in;margin-right:0in;margin-top:0in;text-indent:-.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">(b)</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160; </font></font>Includes a

position with duties and responsibilities commensurate with those customarily

performed by a person with the status of Executive Vice President in the

finance area; and</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:1.5in;margin-right:0in;margin-top:0in;text-indent:-.5in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">(c)</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160; </font></font>Does not

require Executive to relocate beyond a reasonable commuting distance, which

distance may, but need not be, established by the Bank as a matter of policy.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:1.0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.65pt;margin-right:0in;margin-top:0in;text-indent:-35.65pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">6.2.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160; </font></font>For

the purposes of this Agreement, the term &#147;Change of Control&#148; shall mean the

acquisition of Pacific Northwest Bank, or a substantial part thereof, by

another company; the merger of Pacific Northwest Bank into another company with

the other company surviving; the sale of substantially all of the assets of

Pacific Northwest Bank to another company; or a hostile acquisition of

substantially all of the stock of Pacific Northwest Bank.&#160; For purposes of Change of Control, the term

&#147;Pacific Northwest Bank&#148; includes Pacific Northwest Bank and its holding

company, Pacific Northwest Bancorp.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<font size="2" face="Times New Roman"><font style="font-size:10.0pt;font-family:'Times New Roman';"><br clear="all" style="page-break-before:always">

</font></font>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:35.0pt;margin-right:0in;margin-top:0in;text-indent:-35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">7.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160;&#160; </font></font><u>Other

Benefits</u>:&#160; The Severance Pay

compensation provided herein shall be in addition to other benefits to which

Executive may otherwise be entitled.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:35.0pt;margin-right:0in;margin-top:0in;text-indent:-35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">8.</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160;&#160; </font></font><u>Termination</u>.&#160; Executive shall not be entitled to Severance

Pay if her Employment is terminated for any of the following reasons:</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.0pt;margin-right:0in;margin-top:0in;text-indent:-35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">8.1.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160; </font></font>Voluntary

election by Executive to terminate her employment with the Bank.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.65pt;margin-right:0in;margin-top:0in;text-indent:-35.65pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">8.2.</font></font><font face="Courier"><font style="font-family:Courier">&#160;&#160;&#160; </font></font>Termination

by the Bank for gross misconduct, which includes, but is not limited to chronic

alcoholism or controlled substance abuse, as determined by a doctor mutually

acceptable to the Bank and Executive, and continuing failure by Executive to

commence and pursue with due diligence appropriate treatment for same in

accordance with such doctor&#146;s recommendations; dishonesty; insubordination or

willful failure to discharge assigned duties; harassment of fellow employees or

customers of the Bank; violation of the conflict of interest policy of the Bank

or its subsidiaries; theft; possession of unauthorized weapons or firearms

(loaded or unloaded) on the premises of the Bank or its subsidiaries; or

conviction of a criminal offense constituting a felony.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.0pt;margin-right:0in;margin-top:0in;text-indent:-35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">8.3.</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160; </font></font>Death of

Executive.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:70.0pt;margin-right:0in;margin-top:0in;text-indent:-35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">8.4.</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160; </font></font>Physical or

mental illness or incapacity which renders Executive unable (with reasonable

accommodation) to perform substantially all of the duties and services required

of her under this agreement for a period of sixty (60) days in the aggregate

during any twelve-month period.</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;text-indent:35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">&nbsp;</font></font></p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:35.0pt;margin-right:0in;margin-top:0in;text-indent:-35.0pt;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">9.</font></font><font face="Courier"><font style="font-family:

Courier">&#160;&#160;&#160;&#160; </font></font><u>Definitions</u>.&#160; For purposes of this Agreement, the term

&#147;Total Compensation&#148; shall mean an amount equal to Executive&#146;s W-2 income

before salary deferrals over the twelve (12) months preceding the month of

termination, divided by twelve (12).</p>



<p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:

10.0pt">&nbsp;</font></font></p>



<table width="100%" style="width:100.0%;

 border-collapse:collapse;">

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  <td width="46%" colspan="2" valign="top" style="width:46.3%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">PACIFIC

  NORTHWEST BANK</font></font></p>

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  <td width="4%" valign="top" style="width:4.62%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="49%" colspan="2" valign="top" style="width:49.08%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">EXECUTIVE</font></font></p>

  </td>

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 <tr>

  <td width="4%" valign="top" style="width:4.06%;padding:0in 0in 0in 0in"><a name="Table"></a>

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="42%" valign="top" style="width:42.24%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="4%" valign="top" style="width:4.62%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="4%" valign="top" style="width:4.06%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="45%" valign="top" style="width:45.0%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

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 <tr>

  <td width="4%" valign="top" style="width:4.06%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="42%" valign="top" style="width:42.24%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="4%" valign="top" style="width:4.62%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="4%" valign="top" style="width:4.06%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="45%" valign="top" style="width:45.0%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

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  <td width="4%" valign="top" style="width:4.06%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">By: </font></font></font></p>

  </td>

  <td width="42%" valign="top" style="width:42.24%;border:none;border-bottom:

  solid windowtext .5pt;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">/s/&#160; Patrick M. Fahey</font></font></font></p>

  </td>

  <td width="4%" valign="top" style="width:4.62%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="4%" valign="top" style="width:4.06%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">By: </font></font></font></p>

  </td>

  <td width="45%" valign="top" style="width:45.0%;border:none;border-bottom:solid windowtext .5pt;

  padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">/s/&#160; Bette J. Floray</font></font></font></p>

  </td>

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  <td width="4%" valign="top" style="width:4.06%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="42%" valign="top" style="width:42.24%;border:none;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">Patrick M. Fahey, President/CEO</font></font></font></p>

  </td>

  <td width="4%" valign="top" style="width:4.62%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="4%" valign="top" style="width:4.06%;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;">&nbsp;</p>

  </td>

  <td width="45%" valign="top" style="width:45.0%;border:none;padding:0in 0in 0in 0in">

  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">Bette J. Floray, Executive Vice</font></font></font></p>

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  <p style="font-size:10.0pt;margin-bottom:.0001pt;margin-left:0in;margin-right:0in;margin-top:0in;"><font size="2" face="Times New Roman"><font style="font-size:10.0pt">President/Chief Financial Officer</font></font></font></p>

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