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   &lt;p style="margin-top:18px;margin-bottom:0px"&gt;&lt;font style="font-family:times new roman" size="2"&gt;&lt;b&gt;Principles of Consolidation &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
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   The accompanying consolidated financial statements include the accounts of the Holding Company and its subsidiaries. All significant intercompany balances and transactions have been eliminated in
   consolidation. As of June&amp;#160;30, 2013, the Company had two wholly-owned trusts (&amp;#8220;Trusts&amp;#8221;) that were formed to issue trust preferred securities and related common securities of the Trusts. The Company has not consolidated the accounts of
   the Trusts in its consolidated financial statements in accordance with Financial Accounting Standards Board Accounting Standards Codification (&amp;#8220;FASB&amp;#8221;) ASC 810, &lt;i&gt;Consolidation&lt;/i&gt; (&amp;#8220;ASC 810&amp;#8221;). As a result, the junior
   subordinated debentures issued by the Company to the Trusts are reflected on the Company&amp;#8217;s &lt;i&gt;Consolidated Balance Sheets&lt;/i&gt; as junior subordinated debentures. &lt;/font&gt;&lt;/p&gt;
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