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&lt;div&gt;

&lt;p style="text-indent: -0.2in; margin: 0in 0in 0pt 0.2in; font-family: 'Times New Roman','serif'; font-size: 10pt;" class="MsoNormal"&gt;&lt;b&gt;10.&lt;font class="_mt"&gt;&amp;nbsp; &lt;b&gt;&lt;font style="font-family: 'Times New Roman','serif'; font-size: 10pt;" class="_mt"&gt;Commitments and contingencies&lt;/font&gt;&lt;/b&gt;&lt;font style="font-family: 'Times New Roman','serif'; font-size: 10pt;" class="_mt"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-indent: -0.2in; margin: 0in 0in 0pt 0.2in; font-family: 'Times New Roman','serif'; font-size: 10pt;" class="MsoNormal"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: justify; text-indent: 0.2in; margin: 0in 0in 0pt; font-family: 'Times New Roman','serif'; font-size: 10pt;" class="MsoNormal"&gt;The Company currently is neither subject to any material litigation nor, to management's knowledge, is any material litigation currently threatened against the Company other than routine litigation and administrative proceedings arising in the ordinary course of business.&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</NonNumbericText><NonNumericTextHeader>10.&amp;nbsp; Commitments and contingencies

&amp;nbsp;

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 -Name FASB Interpretation (FIN)
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 5
 -Paragraph 9, 10, 11, 12

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