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USD ($)

USD ($) / shares

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   &lt;!-- Begin Block Tagged Note 5 - us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock--&gt;
   &lt;div style="font-family: 'Times New Roman',Times,serif; margin-left: 0in; "&gt;
   &lt;div align="justify" style="font-size: 10pt; margin-top: 10pt"&gt;&lt;b&gt;Note 5. Stock-Based Compensation&lt;/b&gt;
   &lt;/div&gt;
   &lt;div align="justify" style="font-size: 10pt; margin-top: 10pt"&gt;Stock-based compensation granted under the Company&amp;#8217;s stock plans is expensed in tranches over the
   vesting period. Options and non-performance based grants generally vest equally over a four year
   period and the options have a maximum term of ten years. Certain non-performance based grants vest
   over five years with one-third vesting in each of the third, fourth and fifth years. The Company&amp;#8217;s
   performance based share grants generally consist of two types of awards. Those issued in 2011 will
   cliff vest in three years, generally with 50% vesting in full, while the vesting of the remaining
   50% will be dependent on the compound annual growth in book value per share for the three years
   immediately prior to the vesting date, with actual shares that vest ranging between 150% to 0% of
   that portion of the original award. Those issued prior to 2011 generally vest over five years with
   one-third vesting in each of the third, fourth and fifth years, dependent on the rolling three-year
   average return on equity based on the three years prior to the year in which the vesting occurs,
   with actual shares that vest ranging between 150% to 0% of the original award.
   &lt;/div&gt;
   &lt;!-- Folio --&gt;
   &lt;!-- /Folio --&gt;
   &lt;/div&gt;
   &lt;!-- PAGEBREAK --&gt;
   &lt;div style="font-family: 'Times New Roman',Times,serif; margin-left: 0in; "&gt;
   &lt;div align="justify" style="font-size: 10pt; margin-top: 10pt"&gt;The amounts charged to expense for stock-based compensation were $1.4&amp;#160;million and $2.0&amp;#160;million for
   the three months ended March&amp;#160;31, 2011 and 2010, respectively.
   &lt;/div&gt;
   &lt;div align="justify" style="font-size: 10pt; margin-top: 10pt"&gt;The Company expensed $55,200 and $48,000 for the three months ended March&amp;#160;31, 2011 and 2010,
   respectively, related to its&amp;#8217; Employee Stock Purchase Plan. In addition, $60,000 and $45,000 were
   expensed for the three months ended March&amp;#160;31, 2011 and 2010, respectively, related to stock
   compensation to non-employee directors as part of their directors&amp;#8217; compensation for serving on the
   Parent Company&amp;#8217;s Board of Directors.
   &lt;/div&gt;
   &lt;/div&gt;
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   &lt;!-- Begin Block Tagged Note</NonNumericTextHeader><FootnoteIndexer /><CurrencyCode /><CurrencySymbol /><IsIndependantCurrency>false</IsIndependantCurrency><ShowCurrencySymbol>false</ShowCurrencySymbol><DisplayDateInUSFormat>false</DisplayDateInUSFormat><hasSegments>false</hasSegments><hasScenarios>false</hasScenarios></Cell></Cells><OriginalInstanceReportColumns /><Unit>Other</Unit><ElementDataType>us-types:textBlockItemType</ElementDataType><SimpleDataType>string</SimpleDataType><ElementDefenition>Disclosure of compensation-related costs for share-based compensation which may include disclosure of policies, compensation plan details, allocation of stock compensation, incentive distributions, share-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.</ElementDefenition><ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 123R
 -Paragraph 64, 65, A240

Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Statement of Position (SOP)
 -Number 93-6
 -Paragraph 53

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Staff Accounting Bulletin (SAB)
 -Number Topic 14

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