EX-4.1 2 f10k123115_ex4z1.htm EXHIBIT 4.1 AGREEMENT AND PLAN OF CONVERSION Exhibit 4.1 Agreement and Plan of Conversion

[f10k123115_ex4z1001.jpg]



[f10k123115_ex4z1002.jpg]



[f10k123115_ex4z1003.jpg]



[f10k123115_ex4z1004.jpg]



[f10k123115_ex4z1005.jpg]



[f10k123115_ex4z1006.jpg]