4.1    Certificate of Designations for Fixed Rate Cumulative Perpetual Preferred
        Stock, Series A

 4.2    Form of Series A Preferred Stock Certificate

 4.3    Warrant to Purchase Common Stock

10.1    Letter Agreement, dated November 21, 2008, between the Company and the
        United States Treasury, which includes the Securities Purchase
        Agreement-Standard Terms attached thereto, with respect to the issuance and
        sale of the Senior Preferred Stock and the Warrant

99.1    Press release dated November 21, 2008