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   &lt;div style="font-family: 'Times New Roman',Times,serif"&gt;
   &lt;div align="left" style="font-size: 10pt; margin-top: 12pt"&gt;&lt;b&gt;9. Recent Accounting Pronouncements&lt;/b&gt;
   &lt;/div&gt;
   &lt;div align="left" style="font-size: 10pt; margin-top: 6pt"&gt;In July&amp;#160;2010, FASB issued an accounting standards update regarding disclosures about the credit
   quality of financing receivables and the allowance for credit losses. This update amends Topic 310
   to improve the disclosures that an entity provides about the credit quality of its financing
   receivables and the related allowance for credit losses. As a result of these amendments, an entity
   is required to disaggregate by portfolio segment or class certain existing disclosures and provide
   certain new disclosures about its financing receivables and related allowance for credit losses.
   This update is effective for interim and annual reporting periods ending on or after December&amp;#160;15,
   2010. We do not expect that this accounting standard update will have a material impact on our
   financial condition, results of operations or financial statement disclosures.
   &lt;/div&gt;
   &lt;div align="left" style="font-size: 10pt; margin-top: 6pt"&gt;In April&amp;#160;2010, FASB issued an accounting standards update regarding the effect of a loan
   modification when the loan is part of a pool that is accounted for as a single asset. This update
   clarifies that modifications of loans that are accounted for within a pool under Subtopic 310-30,
   which provides guidance on accounting for acquired loans that have evidence of credit deterioration
   upon acquisition, do not result in the removal of those loans from the pool even if the
   modification would otherwise be considered a troubled debt restructuring. An entity will continue
   to be required to consider whether the pool of assets in which the loan is included is impaired if
   expected cash flows for the pool change. The amendments do not affect the accounting for loans
   under the scope of Subtopic 310-30 that are not accounted for within pools. Loans accounted for
   individually under Subtopic 310-30 continue to be subject to the troubled debt restructuring
   accounting provisions within Subtopic 310-40. This update was effective in the first interim or
   annual period ending on or after July&amp;#160;15, 2010. This accounting standard update did not have a
   material impact on our financial condition, results of operations or financial statement
   disclosures.
   &lt;/div&gt;
   &lt;div align="left" style="font-size: 10pt; margin-top: 6pt"&gt;In January&amp;#160;2010, FASB issued an accounting standards update regarding disclosure requirements for
   fair value measurement. This update provides amendments to fair value measurement that require new
   disclosures related to transfers in and out of Levels 1 and 2 and activity in Level 3 fair value
   measurements. The update also provides amendments clarifying level of disaggregation and
   disclosures about inputs and valuation techniques along with conforming amendments to the guidance
   on employers&amp;#8217; disclosures about postretirement benefit plan assets. This update is effective for
   interim and annual reporting periods beginning after December&amp;#160;15, 2009, except for the disclosures
   about purchases, sales, issuances, and settlements in the rollforward of activity in Level 3 fair
   value measurements which are effective for fiscal years beginning after December&amp;#160;15, 2010, and for
   interim periods within those fiscal years. The effective portions of this accounting standards
   update did not affect our financial condition, results of operations or financial statement
   disclosures, and we do not expect that the remaining portions of this accounting standard update
   will have a material impact on our financial condition, results of operations or financial
   statement disclosures.
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      <ElementReferences>Reference 1: http://www.xbrl.org/2003/role/presentationRef
 -Publisher FASB
 -Name Statement of Financial Accounting Standard (FAS)
 -Number 154
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
 -Publisher AICPA
 -Name Accounting Principles Board Opinion (APB)
 -Number 28
 -Paragraph 23, 24

Reference 3: http://www.xbrl.org/2003/role/presentationRef
 -Publisher SEC
 -Name Regulation S-X (SX)
 -Number 210
 -Section 01
 -Paragraph b
 -Subparagraph 6
 -Article 10

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