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Proxy - Cumulative Voting
I hereby revoke all previous proxies and appoint  <name>  or, if no one is named, the Board of Directors to act as my proxy and vote in my place at the meeting of the members to be held on   <date>   at  <time> , at    <address>   , or at any adjournment of the meeting. My proxyholder shall vote as instructed on the attached "Voting Instructions."

Member's Signature: _______________________________________

Address: _________________________________________________

Date: _____________

.............................. Separate Detachable Page ....................................

VOTING INSTRUCTIONS

I AUTHORIZE my proxy to vote as follows:

 1.  ____ ABSTAIN from voting (use for quorum purposes only), or

 2.  ____ VOTE at proxyholder's discretion, or

 3.  ____ VOTE as follows:

Cumulative voting is authorized. You may cast 3 votes in any manner you choose DO NOT cast more than 3 votes. If you make a mistake, cross out the error and initial the change.

                  <name of nominee>                  # of votes               
                  <name of nominee>                   # of votes           _   
                  <name of nominee>                   # of votes               
                  <name of nominee>                   # of votes               
                  <name of nominee>                   # of votes               
<NOTE: The person designated as proxyholder must be a member of the association. In addition, proxies cannot be mailed to the association inside ballot envelopes. They must be delivered to the proxyholder, who must attend the meeting on the proxygiver's behalf.>

Adams Kessler PLC
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