CURRENT\ue000 REPORT
PURSUANT\ue000 TO\ue000 SECTION\ue000 13\ue000 OR\ue000 15(d)\ue000 OF
THE\ue000 SECURITIES\ue000 EXCHANGE\ue000 ACT\ue000 OF\ue000 1934

o\ue000 Written\ue000 communications\ue000 pursuant\ue000 to\ue000 Rule\ue000 425\ue000 under\ue000 the\ue000 Securities\ue000 Act.
o\ue000 Soliciting\ue000 material\ue000 pursuant\ue000 to\ue000 Rule\ue000 14a-12\ue000 under\ue000 the\ue000 Exchange\ue000 Act.
o\ue000 Pre-commencement\ue000 communications\ue000 pursuant\ue000 to\ue000 Rule\ue000 14d-2(b)\ue000 under\ue000 the\ue000 Exchange\ue000 Act.
o\ue000 Pre-commencement\ue000 communications\ue000 pursuant\ue000 to\ue000 Rule\ue000 13e-4(c)\ue000 under\ue000 the\ue000 Exchange\ue000 Act.

Item\ue000 1.01\ue000 Entry\ue000 into\ue000 a\ue000 Material\ue000 Definitive\ue000 Agreement
Item\ue000 3.02\ue000 Unregistered\ue000 Sales\ue000 of\ue000 Equity\ue000 Securities
Item\ue000 3.03\ue000 Material\ue000 Modification\ue000 of\ue000 the\ue000 Rights\ue000 of\ue000 Security\ue000 Holders
Item\ue000 5.02\ue000 Departure\ue000 of\ue000 Directors\ue000 or\ue000 Certain\ue000 Officers;\ue000 Election\ue000 of\ue000 Directors;\ue000 Appointment\ue000 of\ue000 Certain\ue000 Officers;
Compensatory\ue000 Arrangements\ue000 of\ue000 Certain\ue000 Officers
Item\ue000 5.03\ue000 Amendments\ue000 of\ue000 Incorporation\ue000 or\ue000 Bylaws;\ue000 Change\ue000 in\ue000 Fiscal\ue000 Year
Item\ue000 8.01\ue000 Other\ue000 Events
Item\ue000 9.01\ue000 Financial\ue000 Statements\ue000 and\ue000 Exhibits

EX-4.1
EX-4.2
EX-4.3
EX-4.4
EX-4.5
EX-10.1
EX-10.2
EX-10.3
EX-99.1

preference\ue000 of\ue000 $1,000\ue000 per\ue000 share\ue000 (the\ue000 \u201cSeries\ue000 A\ue000 Preferred\ue000 Shares\u201d),\ue000 and\ue000 (2)\ue000 a\ue000 ten-year\ue000 warrant\ue000 (the\ue000 \u201cWarrant\u201d)\ue000 to\ue000 purchase\ue000 up\ue000 to\ue000 2,000.02\ue000 shares
of\ue000 the\ue000 Company\u2019s\ue000 Fixed\ue000 Rate\ue000 Cumulative\ue000 Perpetual\ue000 Preferred\ue000 Stock,\ue000 no\ue000 par\ue000 value,\ue000 Series\ue000 B\ue000 (the\ue000 \u201cWarrant\ue000 Shares\u201d)\ue000 at\ue000 an\ue000 exercise\ue000 price\ue000 of\ue000 $0.01
per\ue000 share,\ue000 or\ue000 an\ue000 aggregate\ue000 purchase\ue000 price\ue000 of\ue000 $40\ue000 million\ue000 in\ue000 cash.\ue000 Cumulative\ue000 dividends\ue000 of\ue000 the\ue000 Series\ue000 A\ue000 Preferred\ue000 Shares\ue000 accrue\ue000 at\ue000 the\ue000 rate\ue000 of\ue000 5%
per\ue000 annum\ue000 for\ue000 the\ue000 first\ue000 five\ue000 years,\ue000 and\ue000 at\ue000 a\ue000 rate\ue000 of\ue000 9%\ue000 per\ue000 annum\ue000 thereafter.\ue000 The\ue000 Warrant\ue000 was\ue000 immediately\ue000 exercised\ue000 by\ue000 the\ue000 Treasury\ue000 and
thereby\ue000 cancelled.\ue000 As\ue000 a\ue000 result,\ue000 the\ue000 Company\ue000 issued\ue000 a\ue000 Series\ue000 B\ue000 Preferred\ue000 Stock\ue000 Certificate\ue000 for\ue000 2,000\ue000 of\ue000 the\ue000 Warrant\ue000 Shares\ue000 to\ue000 the\ue000 Treasury.
Cumulative\ue000 dividends\ue000 of\ue000 the\ue000 Warrant\ue000 Shares\ue000 accrue\ue000 at\ue000 the\ue000 rate\ue000 of\ue000 9%\ue000 per\ue000 annum.

2009,\ue000 between\ue000 the\ue000 Company\ue000 and\ue000 the\ue000 Treasury,\ue000 pursuant\ue000 to\ue000 which\ue000 the\ue000 Series\ue000 B\ue000 Cumulative\ue000 Perpetual\ue000 Preferred\ue000 Shares\ue000 and\ue000 the\ue000 Warrant\ue000 were
sold,\ue000 contains\ue000 limitations\ue000 on\ue000 certain\ue000 actions\ue000 of\ue000 the\ue000 Company.\ue000 This\ue000 includes,\ue000 but\ue000 is\ue000 not\ue000 limited\ue000 to,\ue000 payments\ue000 of\ue000 dividends,\ue000 and\ue000 redemptions\ue000 and
acquisitions\ue000 of\ue000 Company\ue000 equity\ue000 securities.\ue000 Additionally,\ue000 compensation\ue000 and\ue000 benefits\ue000 are\ue000 restricted,\ue000 as\ue000 set\ue000 forth\ue000 under\ue000 \u201cItem\ue000 5.02\ue000 \u2014\ue000 Departure
of\ue000 Directors\ue000 or\ue000 Certain\ue000 Officers;\ue000 Election\ue000 of\ue000 Directors;\ue000 Appointment\ue000 of\ue000 Certain\ue000 Officers;\ue000 Compensatory\ue000 Arrangements\ue000 of\ue000 Certain\ue000 Officers\u201d,
which\ue000 is\ue000 incorporated\ue000 herein\ue000 by\ue000 reference.

incorporated\ue000 herein\ue000 by\ue000 reference,\ue000 each\ue000 of\ue000 the\ue000 Company\u2019s\ue000 Senior\ue000 Executive\ue000 Officers\ue000 (as\ue000 defined\ue000 in\ue000 the\ue000 Purchase\ue000 Agreement)\ue000 executed\ue000 a\ue000 waiver
voluntarily\ue000 that\ue000 waives\ue000 any\ue000 claim\ue000 against\ue000 the\ue000 Treasury\ue000 or\ue000 the\ue000 Company\ue000 for\ue000 any\ue000 alterations\ue000 or\ue000 changes\ue000 to\ue000 their\ue000 compensation\ue000 and\ue000 benefits.
Through\ue000 execution\ue000 of\ue000 a\ue000 separate\ue000 Omnibus\ue000 Agreement,\ue000 the\ue000 Senior\ue000 Executive\ue000 Officers\ue000 acknowledged\ue000 that\ue000 in\ue000 order\ue000 to\ue000 comply\ue000 with\ue000 the\ue000 regulatory
requirements\ue000 of\ue000 Section\ue000 111\ue000 (b)\ue000 of\ue000 EESA,\ue000 modifications\ue000 may\ue000 be\ue000 made\ue000 of\ue000 their