(1) Each person effectively exercises sole, or shared with spouse, voting power
as to the shares reported. Total includes shares awarded under the 2011 Equity Incentive
Plan, 60% of which have not yet vested. Each person effectively exercises sole,
or shared with spouse, dispositive power as to the shares reported except for the
shares awarded under the 2011 Equity Incentive Plan which have not yet vested.
(2) Includes shares held in the 401(k) plan and allocated shares in the employee stock
ownership plan as well as shares held by immediate family members, in an individual
retirement account, by companies in which the individual maintains a controlling
interest or in a trust in which the individual is a trustee.
(3) Of the 208,597 shares reported as owned directly, 41,077 are pledged as collateral for borrowings.
* Less than 1.0%.