PROXY
(sample for 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>   , and at any adjournment thereof. My proxyholder shall vote as indicated on the attached page.

Member's Signature: _______________________________________

Address: _________________________________________________

Date:                    

.............................. Separate Page ....................................

I AUTHORIZE my proxy to vote as follows:

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

 2.  c  VOTE at proxyholder's discretion, or

 3.  c  VOTE as follows:

ELECTION OF DIRECTORS. 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               

<Disclaimer: This form is for informational purposes only and may not be appropriate for your particular needs. You should seek legal counsel before using the form.>