<table><tbody><tr style="vertical-align: top">
<td style="width: 1in"></td><td style="width: 0.5in"><font style="font-family: Symbol">·</font></td><td style="text-align: justify"><font style="font-family: Times New Roman, Times, Serif">Aspects of the legal and regulatory environment
which are expected to impact future cash flows, such as the Dodd-Frank Act;</font></td></tr></tbody></table>
<table><tbody><tr>
<td></td><td><font>·</font></td><td><font>Aspects of the legal and regulatory environment
which are expected to impact future cash flows, such as the Dodd-Frank Act;</font></td></tr></tbody></table>