0001144204-13-058115.txt : 201311010001144204-13-058115.hdr.sgml : 2013110120131101083523ACCESSION NUMBER:0001144204-13-058115CONFORMED SUBMISSION TYPE:DEFA14APUBLIC DOCUMENT COUNT:20FILED AS OF DATE:20131101DATE AS OF CHANGE:20131101EFFECTIVENESS DATE:20131101

FILER:

COMPANY DATA:COMPANY CONFORMED NAME:NEWBRIDGE BANCORPCENTRAL INDEX KEY:0000714530STANDARD INDUSTRIAL CLASSIFICATION:STATE COMMERCIAL BANKS [6022]IRS NUMBER:561348147STATE OF INCORPORATION:NCFISCAL YEAR END:1231

FILING VALUES:FORM TYPE:DEFA14ASEC ACT:1934 ActSEC FILE NUMBER:000-11448FILM NUMBER:131184331

BUSINESS ADDRESS:STREET 1:P O BOX 867STREET 2:ONE LSB PLZCITY:LEXINGTONSTATE:NCZIP:27293-0867BUSINESS PHONE:3362486500

MAIL ADDRESS:STREET 1:P O BOX 867CITY:LEXINGTONSTATE:NCZIP:27293-0867

FORMER COMPANY:FORMER CONFORMED NAME:LSB BANCSHARES INC /NC/DATE OF NAME CHANGE:19920703

DEFA14A1v358918_8k.htmFORM 8-K

UNITEDSTATES

SECURITIESAND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

Form8-K

currentreport

Pursuantto Section 13 or 15(d) of the

SecuritiesExchange Act of 1934

Dateof Report (Date of earliest event reported)

November1, 2013

NEWBRIDGE BANCORP

(ExactName of Registrant as Specified in Charter)

North Carolina 000-11448 56-1348147

State or Other Jurisdiction (Commission File Number) (IRS Employer

of Incorporation) Identification No.)

1501 Highwoods Boulevard, Suite 400, Greensboro North Carolina 27410

Greensboro North Carolina

(Address of Principal Executive Offices) (Zip Code)

Registrantstelephone number, including area code (336) 369-0900

Check the appropriate box below if the Form8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

x Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

INDEX

Page

Item 1.01 Entry into a Material Definitive Agreement 3

Item 7.01 - Regulation FD Disclosure 3

Item 9.01 Financial Statements and Exhibits 3

Signatures 3

Item 1.01 ENTRYINTO A MATERIAL DEFINITIVE AGREEMENT

On November 1, 2013, NewBridge Bancorp (NASDAQ: NBBC)and CapStone Bank (OTCQB: CPSE) announced the signing of a definitive merger agreement. A copy of the joint press releaseis attached hereto as Exhibit 99.1 and is incorporated herein by reference.

ITEM 7.01REGULATIONFD DISCLOSURE

NewBridge Bancorp hereby furnishes its investor presentation,dated November 1, 2013. A copy of the presentation is attached hereto as Exhibit 99.2 and is incorporated herein by reference.

ITEM 9.01.FINANCIAL STATEMENTS AND EXHIBITS.

(c) Exhibits.

The following exhibits are filed herewith:

Exhibit No. Description of Exhibit

Exhibit 99.1 Joint Press Release issued by NewBridge Bancorp and CapStone Bank, dated November 1, 2013.

Exhibit 99.2 NewBridge Bancorp investor presentation, dated November 1, 2013.

SIGNATURES

Pursuant to the requirementsof the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersignedhereunto duly authorized.

NEWBRIDGE BANCORP

Dated:November 1, 2013 By: /s/ Ramsey K. Hamadi

Ramsey K. Hamadi

Senior Executive Vice President and

Chief Financial Officer

EXHIBIT INDEX

Exhibit No. Description of Exhibit

Exhibit 99.1 Joint Press Release issued by NewBridge Bancorp and CapStone Bank, dated November 1, 2013.

Exhibit 99.2 NewBridge Bancorp investor presentation, dated November 1, 2013.

EX-99.12v358918_ex99-1.htmEXHIBIT 99.1

FOR IMMEDIATE RELEASE

Contact:

Pressley A. Ridgill

President and Chief Executive Officer

NewBridge Bank

(336) 369-0900

Michael S. Patterson

Chairman, President, and Chief Executive Officer

CapStone Bank

(919) 256-6802

NewBridge Bank and CapStone Bank to Merge

Greensboro, N.C. and Raleigh, N.C., November 1, 2013 NewBridge Bancorp ("NewBridge") (NASDAQ: NBBC) and CapStone Bank ("CapStone") (OTCQB: CPSE) today announcedthe signing of a definitive agreement of combination. The combination will result in a community bank with total assets of $2.5billion and a significant banking presence in the top four metro markets in North Carolina.

Based upon September 30, 2013 financials and NewBridge's recentlyannounced acquisition of Security Savings Bank, the combined bank will have total loans of approximately $1.7 billion, depositsof $1.9 billion and 40 offices across the state. The combined bank will operate as NewBridge Bank with headquarters in Greensboro,N.C.

"This combination will create one of the largest communitybanks in North Carolina and further establishes NewBridge Bank as a strategically active acquirer in the Carolinas and Virginia,said Pressley A. Ridgill, president and chief executive officer of NewBridge Bancorp and NewBridge Bank. CapStonesexceptional reputation and tremendous success in the Triangle are admired throughout the industry, and we are honored to be partneringwith them. Welcoming their team members and clients to NewBridge will significantly bolster our existing presence in the Trianglewhile offering clients of both banks expanded office locations throughout North Carolina. Of equal importance, we believe shareholdersof both institutions will benefit from the combination of these thriving community banks.

Commenting on the combination, Mike Patterson, chairman, presidentand chief executive officer of CapStone Bank stated, We are very pleased to be joining with NewBridge. Both CapStone andNewBridge are vibrant, values-based financial institutions with similar corporate cultures and clientele. We believe joining forceswith NewBridge creates a beneficial situation for all of CapStones constituencies. Our clients will enjoy a larger footprintspanning from Charlotte to Wilmington, and the communities we serve will benefit from NewBridges broader range of productsand services. Our employees will join a larger company with more opportunities for advancement and we believe our shareholderswill benefit from the significant earnings potential of a $2.5 billion bank.

Under the terms of the agreement, CapStones shareholderswill receive 2.25 shares of NewBridge common stock for each share of CapStone common stock. This implies a deal value of $16.60per share, or approximately $63.6 million, based on NewBridge's average closing stock price over the last 10 trading days. CapStoneshareholders are expected to own approximately 22% of the resulting company.

The merger was unanimously approved by the boards of directorsof each company. The combination, which is subject to shareholder and regulatory approval, is expected to close in the first quarterof 2014. The rebranding of Capstone offices is anticipated to occur in the second quarter of 2014.

NewBridge Bancorp was advised in this transaction by FIG Partners,LLC as financial advisor and Brooks, Pierce, McLendon, Humphrey, and Leonard, LLP as legal advisor. CapStone Bank was advised byRaymond James & Associates, Inc. as financial advisor and Wyrick Robbins Yates and Ponton LLP as legal advisor.

Disclosures About Forward-Looking Statements

The discussions included in this press release may contain forward-lookingstatements within the meaning of the Private Securities Litigation Reform Act of 1995, including Section 21E of the SecuritiesExchange Act of 1934 and Section 27A of the Securities Act of 1933. Such statements involve known and unknown risks, uncertaintiesand other factors that may cause actual results to differ materially. For the purposes of these discussions, any statements thatare not statements of historical fact may be deemed to be forward-looking statements. Such statements are often characterized bythe use of qualifying words such as expects, anticipates, believes, estimates,plans, projects, or other statements concerning opinions or judgments of NewBridge or Capstone andtheir respective management about future events. The accuracy of such forward-looking statements could be affected by factors including,but not limited to, the financial success or changing conditions or strategies of clients or vendors, fluctuations in interestrates, actions of government regulators, the availability of capital and personnel or general economic conditions. Additional factorsthat could cause actual results to differ materially from those anticipated by forward-looking statements are discussed in NewBridgesfilings with the Securities and Exchange Commission (the "SEC"), including without limitation its annual report on Form10-K, quarterly reports on Form 10-Q and current reports on Form 8-K. NewBridge undertakes no obligation to revise or update thesestatements following the date of this press release.

About NewBridge Bancorp

NewBridge Bancorp is the bank holding company for NewBridgeBank, a full service, state-chartered community bank headquartered in Greensboro, N.C. The stock of NewBridge Bancorp trades onthe NASDAQ Global Select Market under the symbol NBBC.

As one of the largest community banks in North Carolina, NewBridgeBank serves small to midsize businesses, professionals and consumers with a comprehensive array of financial services, includingretail and commercial banking, private banking, wealth management and mortgage banking. NewBridge Bank has assets of approximately$2 billion and36 branches and several loan production offices throughout North Carolina.

About CapStone Bank

Headquartered in Raleigh, N.C., with branches in Cary, Clinton,Fuquay-Varina and Raleigh, CapStone Bank provides a full range of commercial and retail banking services with a special focuson serving the deposit and lending needs of small-to-mid-sized businesses, operating companies, and professionals. In additionto its business relationships, CapStone offers comprehensive personal banking products and services to effectively serve individualcustomers and as an enhancement to its commercial relationships services. CapStones philosophy is quite simple to provide an unprecedented level of high-touch service delivered by a local team of experienced, knowledgeablebankers, backed by competitive technology. For more information, visit www.CapStoneBank.com.

Additional Information About the Merger and Where to FindIt
In connection with the proposed merger, NewBridge will file with the SEC a registration statement on Form S-4 to register the sharesof NewBridge common stock to be issued to the shareholders of CapStone. The registration statement will include a joint proxy statement/prospectuswhich will be sent to the shareholders of NewBridge and CapStone seeking their approval of the merger and related matters. In addition,NewBridge and CapStone may file other relevant documents concerning the proposed merger with the SEC.

INVESTORS AND SHAREHOLDERS OF BOTH COMPANIES ARE URGED TOREAD THE REGISTRATION STATEMENT ON FORM S-4 AND THE JOINT PROXY STATEMENT/PROSPECTUS INCLUDED WITHIN THE REGISTRATION STATEMENTAND ANY OTHER RELEVANT DOCUMENTS TO BE FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED MERGER BECAUSE THEY WILL CONTAIN IMPORTANTINFORMATION ABOUT NEWBRIDGE, CAPSTONE AND THE PROPOSED TRANSACTION.

Investors and shareholders may obtain free copies of thesedocuments through the website maintained by the SEC at www.sec.gov. Free copies of thejoint proxy statement/prospectus also may be obtained by directing a request by telephone or mail to NewBridge Bancorp, 1501 HighwoodsBoulevard, Suite 400, Greensboro, N.C. 27410, Attention: Investor Relations (telephone: 336-369-0900), or CapStone Bank, 4505Falls of Neuse Road, Suite 150, Raleigh, N.C. 27609, Attention: Investor Relations (telephone: 919-256-6803), or by accessingNewBridges website at www.newbridgebank.comunder "Investor Relations"or CapStone's website at www.capstonebank.comunder "Investor Relations."The information on NewBridges and CapStone's websites is not, and shall not be deemed to be, a part of this release orincorporated into other filings either company makes with the SEC.

NewBridge and CapStone and their respective directors and executiveofficers may be deemed to be participants in the solicitation of proxies from the shareholders of NewBridge and/or CapStone inconnection with the merger. Information about the directors and executive officers of NewBridge is set forth in the proxy statementfor NewBridges 2013 annual meeting of shareholders filed with the SEC on March 25, 2013. Information about the directorsand executive officers of CapStone is set forth in the proxy statement for CapStone's 2013 annual meeting of shareholders. Additionalinformation regarding the interests of these participants and other persons who may be deemed participants in the merger may beobtained by reading the joint proxy statement/prospectus regarding the merger when it becomes available.

###

EX-99.23v358918_ex99-2.htmEXHIBIT 99.2

,

NASDAQ: NBBC www.newbridgebank.com ACQUISITION OF CAPSTONE BANK November 1, 2013

FORWARD - LOOKING STATEMENTS 2 This presentation contains forward-looking statements relating to the financial condition, results of operations and business of NewBridge Bancorp and its subsidiary NewBridge Bank . These forward looking statements involve risks and uncertainties and are based on the beliefs and assumptions of the management of NewBridge Bancorp, and the information available to management at the time that this presentation was prepared . Factors that could cause actual results to differ materially from those contemplated by such forward-looking statements include, among others, the following : (i) general economic or business conditions, either nationally or regionally, may be less favorable than expected, resulting in, among other things, a deterioration in credit quality and/or a reduced demand for credit or other services ; (ii) changes in the interest rate environment may reduce net margins and/or the volumes and values of loans made or held as well as the value of other financial assets held ; (iii) competitive pressures among depository and other financial institutions may increase significantly ; (iv) legislative or regulatory changes, including changes in accounting standards, may adversely affect the businesses in which NewBridge Bancorp is engaged ; (v) local, state or federal taxing authorities may take tax positions that are adverse to NewBridge Bancorp ; (vi) adverse changes may occur in the securities markets ; (vii) competitors of NewBridge Bancorp may have greater financial resources and develop products that enable them to compete more successfully than NewBridge Bancorp ; (viii) costs or difficulties related to the integration of CapStone Bank may be greater than expected ; (ix) expected cost savings associated with our acquisition of CapStone Bank may not be fully realized within the expected time frame ; and (x) deposit attrition, customer loss or revenue loss following our acquisition of CapStone Bank may be greater than expected . Additional factors affecting NewBridge Bancorp and NewBridge Bank are discussed in NewBridge Bancorps filings with the Securities and Exchange Commission (the SEC), Annual Report on Form 10 -K, its Quarterly Reports on Form 10 -Q and its Current Reports on Form 8 -K . Please refer to the Securities and Exchange Commission's website at www . sec . gov to review such documents . NewBridge Bancorp does not undertake a duty to update any forward-looking statements made in this presentation

STRATEGIC RATIONALE Raleigh is the center of the Triangle, one of the most vibrant markets in the US The CapStone acquisition gives NBBC an expanded presence in the Triangle with an experienced team of bankers Consistent with NBBCs strategic growth plan Cultural similarity and community - based banking model Gaining critical mass approaching $2.5 billion in assets EPS accretion and minimal TBV dilution; 2 - year payback period Meaningful cost savings and revenue synergies expected Clean asset quality no problem asset resolution required Accretive to capital ratios Combination with a sought - after franchise distinguishes NBBC as a preferred merger partner in the region Addition of key CapStone personnel complements NBBCs existing banking professionals in the Triangle market Fills in the gap between NBBCs central and eastern NC markets Attractive Markets Strong Financial Impact Well - Positioned Franchise 3

TERMS OF THE TRANSACTION Structure: Consideration: Ownership (post - deal) Transaction Value: Transaction Costs: Cost Savings: NewBridge will acquire CapStone in an all - stock transaction 2.25 exchange ratio NewBridge issues 8,072,433 new shares 77.9% NewBridge / 22.1% CapStone Purchase Price $16.60 in value per CapStone share (based on NBBCs average closing stock price over the last 10 trading days) $63.6 million (fully diluted) 136% of tangible book value 146% of fully diluted tangible book value 17.5x LTM core earnings 7.4% core deposit premium $4.1 million (after - tax) $3.3 million or 35% of Capstones annual operating budget 4

TERMS OF THE TRANSACTION Board / Management: Expected Closing: CapStone Bank Highlights: Financial Highlights: (as of Sept. 30, 2013) CapStone will be granted 3 board seats on the combined board Mike Patterson ( CapStone CEO) to join the NBBC board and executive committee and be retained as a consultant First Quarter 2014 HQ: Raleigh, North Carolina; founded 2007 Acquired Patriot State Bank in January 2013 3 Wake County offices (#13 ranking in deposits) 1 Sampson County office (#7 ranking in deposits) $376 million in assets $289 million in loans $281 million in deposits (60% core deposits 1 , 31% transaction accounts) $43.7 million in tangible common equity 1 Excludes all time deposits, based on 9/30/2013 CapStone financials 5

FINANCIAL IMPACT OF TRANSACTION Attractive Pro Forma Balance Sheet Total assets of $2.5 billion Total loans of $1.7 billion Total deposits of $1.9 billion Strong Pro Forma Capital Ratios (holding company) Tangible Common Equity/ Tangible Assets ~7.4% Leverage ratio ~ 8.5% Tier 1 RBC ratio ~10.7% Total RBC ratio ~12.0% Financial Returns Accretive to EPS TBV dilution is minimal and expected payback period is 2 years 17.5% projected internal rate of return Meaningful cost saves available approximately 35% Substantial opportunity for revenue synergies Clean balance sheet with no adverse effect on resulting credit metrics (2.4% gross credit mark) 6 Capital ratios are approximate as NewBridge is finalizing Security Savings Bank, SSB purchase accounting marks.

BRANCH MAP Source: SNL Financial LC 7 NewBridge CapStone

FINANCIAL OVERVIEW CPSE Source: SNL Financial LC 8 YTD 3Q Balance Sheet ($000s) 2010 2011 2012 2013 Total Assets 196,971 215,799 238,197 376,488 Net Loans 133,203 143,131 168,320 288,583 Deposits 126,153 151,463 175,513 280,517 Tangible Equity 26,472 28,035 30,064 43,659 Profitability Net Income ($000s) 1,233 676 1,933 7,794 * Core ROA 0.65 0.29 0.80 1.09 Core ROE 4.8 2.2 6.3 9.5 Net Interest Margin 3.89 3.91 3.82 4.18 Efficiency 54.0 61.1 58.1 61.5 Credit Quality NPAs / Assets 3.55 3.87 2.06 1.28 Reserves/Loans 2.22 2.84 2.16 1.21 NCOs / Avg Loans 0.58 0.89 0.78 0.21 Reserves / NPAs 43.2 50.1 75.7 73.4 Capital Leverage 12.70 12.38 12.11 11.25 Tier 1 18.00 17.53 16.30 13.85 Total Risk-Based Capital 19.27 18.90 17.56 15.01 * Includes bargain purchase gain of $4.8 million

LOAN PORTFOLIO NewBridge Bank CapStone Bank Pro Forma Composition Composition Composition Loan Type ($000) % of Total Loan Type ($000) % of Total Loan Type ($000) % of Total Constr & Dev 95,264 7.0% Constr & Dev 41,580 14.2% Constr & Dev 136,844 8.3% 1-4 Family Residential 375,078 27.7% 1-4 Family Residential 56,652 19.3% 1-4 Family Residential 431,730 26.2% Home Equity 221,240 16.4% Home Equity 22,073 7.5% Home Equity 243,313 14.8% Owner - Occ CRE 302,699 22.4% Owner - Occ CRE 58,199 19.9% Owner - Occ CRE 360,898 21.9% Other CRE 190,280 14.1% Other CRE 61,284 20.9% Other CRE 251,564 15.3% Multifamily 26,371 1.9% Multifamily 9,815 3.4% Multifamily 36,186 2.2% Commercial & Industrial 101,229 7.5% Commercial & Industrial 22,554 7.7% Commercial & Industrial 123,783 7.5% Consr & Other 40,866 3.0% Consr & Other 20,746 7.1% Consr & Other 61,612 3.7% Total Loans 1,353,020 100.0% Total Loans $292,903 100.0% Total Loans $1,645,930 100.0% MRQ Yield on Loans: 4.72% MRQ Yield on Loans: 5.16% MRQ Yield on Loans: 4.80% NewBridge CapStone Bank Pro Forma C&D 7.0% 1 - 4 Fam 27.7% HELOC 16.4% OwnOcc CRE 22.4% Other CRE 14.1% Multifam 1.9% C&I 7.5% Consr & Other 3.0% C&D 14.2% 1 - 4 Fam 19.3% HELOC 7.5% OwnOcc CRE 19.9% Other CRE 20.9% Multifam 3.4% C&I 7.7% Consr & Other 7.1% C&D 8.3% 1 - 4 Fam 26.2% HELOC 14.8% OwnOcc CRE 21.9% Other CRE 15.3% Multifam 2.2% C&I 7.5% Consr & Other 3.7% Composition Composition Composition Loan Type ($000) % of Total Loan Type ($000) % of Total Loan Type ($000) % of Total Constr & Dev 95,264 7.0% Constr & Dev 41,580 14.2% Constr & Dev 136,844 8.3% 1-4 Family Residential 375,078 27.7% 1-4 Family Residential 56,652 19.3% 1-4 Family Residential 431,730 26.2% Home Equity 221,240 16.4% Home Equity 22,073 7.5% Home Equity 243,313 14.8% Owner - Occ CRE 302,699 22.4% Owner - Occ CRE 58,199 19.9% Owner - Occ CRE 360,898 21.9% Other CRE 190,280 14.1% Other CRE 61,284 20.9% Other CRE 251,564 15.3% Multifamily 26,371 1.9% Multifamily 9,815 3.4% Multifamily 36,186 2.2% Commercial & Industrial 101,229 7.5% Commercial & Industrial 22,554 7.7% Commercial & Industrial 123,783 7.5% Consr & Other 40,866 3.0% Consr & Other 20,746 7.1% Consr & Other 61,612 3.7% Total Loans 1,353,020 100.0% Total Loans $292,903 100.0% Total Loans $1,645,930 100.0% MRQ Yield on Loans: 4.72% MRQ Yield on Loans: 5.16% MRQ Yield on Loans: 4.80% NewBridge CapStone Bank Pro Forma C&D 7.0% 1 - 4 Fam 27.7% HELOC 16.4% OwnOcc CRE 22.4% Other CRE 14.1% Multifam 1.9% C&I 7.5% Consr & Other 3.0% C&D 14.2% 1 - 4 Fam 19.3% HELOC 7.5% OwnOcc CRE 19.9% Other CRE 20.9% Multifam 3.4% C&I 7.7% Consr & Other 7.1% C&D 8.3% 1 - 4 Fam 26.2% HELOC 14.8% OwnOcc CRE 21.9% Other CRE 15.3% Multifam 2.2% C&I 7.5% Consr & Other 3.7% Composition Composition Composition Loan Type ($000) % of Total Loan Type ($000) % of Total Loan Type ($000) % of Total Constr & Dev 95,264 7.0% Constr & Dev 41,580 14.2% Constr & Dev 136,844 8.3% 1-4 Family Residential 375,078 27.7% 1-4 Family Residential 56,652 19.3% 1-4 Family Residential 431,730 26.2% Home Equity 221,240 16.4% Home Equity 22,073 7.5% Home Equity 243,313 14.8% Owner - Occ CRE 302,699 22.4% Owner - Occ CRE 58,199 19.9% Owner - Occ CRE 360,898 21.9% Other CRE 190,280 14.1% Other CRE 61,284 20.9% Other CRE 251,564 15.3% Multifamily 26,371 1.9% Multifamily 9,815 3.4% Multifamily 36,186 2.2% Commercial & Industrial 101,229 7.5% Commercial & Industrial 22,554 7.7% Commercial & Industrial 123,783 7.5% Consr & Other 40,866 3.0% Consr & Other 20,746 7.1% Consr & Other 61,612 3.7% Total Loans 1,353,020 100.0% Total Loans $292,903 100.0% Total Loans $1,645,930 100.0% MRQ Yield on Loans: 4.72% MRQ Yield on Loans: 5.16% MRQ Yield on Loans: 4.80% NewBridge CapStone Bank Pro Forma C&D 7.0% 1 - 4 Fam 27.7% HELOC 16.4% OwnOcc CRE 22.4% Other CRE 14.1% Multifam 1.9% C&I 7.5% Consr & Other 3.0% C&D 14.2% 1 - 4 Fam 19.3% HELOC 7.5% OwnOcc CRE 19.9% Other CRE 20.9% Multifam 3.4% C&I 7.7% Consr & Other 7.1% C&D 8.3% 1 - 4 Fam 26.2% HELOC 14.8% OwnOcc CRE 21.9% Other CRE 15.3% Multifam 2.2% C&I 7.5% Consr & Other 3.7% Total Loans: $1.35 billion MRQ Yield on Loans: 4.72% Total Loans: $293 million MRQ Yield on Loans: 5.16% Total Loans: $1.64 billion 9 As of June 30, 2013; NewBridge Bank includes Security Savings Bank ,SSB Source: SNL Financial LC

DEPOSIT MIX NewBridge Bank CapStone Bank Pro Forma Total Deposits: $1.45 billion MRQ Cost of Deposits: 0.26% Total Deposits: $278 million MRQ Cost of Deposits: 0.40% Total Deposits: $1.73 billion Composition Composition Composition Deposit Type ($000) % of Total Deposit Type ($000) % of Total Deposit Type ($000) % of Total Non Interest Bearing 238,278 16.4% Non Interest Bearing 43,077 15.5% Non Interest Bearing 281,355 16.3% NOW & Other Trans 83,542 5.8% NOW & Other Trans 41,781 15.0% NOW & Other Trans 125,323 7.3% MMDA & Sav 806,004 55.6% MMDA & Sav 82,181 29.5% MMDA & Sav 888,185 51.4% Retail Time Deposits 167,869 11.6% Retail Time Deposits 25,723 9.2% Retail Time Deposits 193,592 11.2% Jumbo Time Deposits 152,890 10.6% Jumbo Time Deposits 85,590 30.7% Jumbo Time Deposits 238,480 13.8% Total Deposits $1,448,583 100.0% Total Deposits $278,352 100.0% Total Deposits $1,726,935 100.0% MRQ Cost of Deposits: 0.26% MRQ Cost of Deposits: 0.40% MRQ Cost of Deposits: 0.28% NewBridge CapStone Bank Pro Forma Non Int. Bearing 16.4% NOW Accts 5.8% MMDA & Sav 55.6% Retail Time 11.6% Jumbo Time 10.6% Non Int. Bearing 15.5% NOW Accts 15.0% MMDA & Sav 29.5% Retail Time 9.2% Jumbo Time 30.7% Non Int. Bearing 16.3% NOW Accts 7.3% MMDA & Sav 51.4% Retail Time 11.2% Jumbo Time 13.8% Composition Composition Composition Deposit Type ($000) % of Total Deposit Type ($000) % of Total Deposit Type ($000) % of Total Non Interest Bearing 238,278 16.4% Non Interest Bearing 43,077 15.5% Non Interest Bearing 281,355 16.3% NOW & Other Trans 83,542 5.8% NOW & Other Trans 41,781 15.0% NOW & Other Trans 125,323 7.3% MMDA & Sav 806,004 55.6% MMDA & Sav 82,181 29.5% MMDA & Sav 888,185 51.4% Retail Time Deposits 167,869 11.6% Retail Time Deposits 25,723 9.2% Retail Time Deposits 193,592 11.2% Jumbo Time Deposits 152,890 10.6% Jumbo Time Deposits 85,590 30.7% Jumbo Time Deposits 238,480 13.8% Total Deposits $1,448,583 100.0% Total Deposits $278,352 100.0% Total Deposits $1,726,935 100.0% MRQ Cost of Deposits: 0.26% MRQ Cost of Deposits: 0.40% MRQ Cost of Deposits: 0.28% NewBridge CapStone Bank Pro Forma Non Int. Bearing 16.4% NOW Accts 5.8% MMDA & Sav 55.6% Retail Time 11.6% Jumbo Time 10.6% Non Int. Bearing 15.5% NOW Accts 15.0% MMDA & Sav 29.5% Retail Time 9.2% Jumbo Time 30.7% Non Int. Bearing 16.3% NOW Accts 7.3% MMDA & Sav 51.4% Retail Time 11.2% Jumbo Time 13.8% Composition Composition Composition Deposit Type ($000) % of Total Deposit Type ($000) % of Total Deposit Type ($000) % of Total Non Interest Bearing 238,278 16.4% Non Interest Bearing 43,077 15.5% Non Interest Bearing 281,355 16.3% NOW & Other Trans 83,542 5.8% NOW & Other Trans 41,781 15.0% NOW & Other Trans 125,323 7.3% MMDA & Sav 806,004 55.6% MMDA & Sav 82,181 29.5% MMDA & Sav 888,185 51.4% Retail Time Deposits 167,869 11.6% Retail Time Deposits 25,723 9.2% Retail Time Deposits 193,592 11.2% Jumbo Time Deposits 152,890 10.6% Jumbo Time Deposits 85,590 30.7% Jumbo Time Deposits 238,480 13.8% Total Deposits $1,448,583 100.0% Total Deposits $278,352 100.0% Total Deposits $1,726,935 100.0% MRQ Cost of Deposits: 0.26% MRQ Cost of Deposits: 0.40% MRQ Cost of Deposits: 0.28% NewBridge CapStone Bank Pro Forma Non Int. Bearing 16.4% NOW Accts 5.8% MMDA & Sav 55.6% Retail Time 11.6% Jumbo Time 10.6% Non Int. Bearing 15.5% NOW Accts 15.0% MMDA & Sav 29.5% Retail Time 9.2% Jumbo Time 30.7% Non Int. Bearing 16.3% NOW Accts 7.3% MMDA & Sav 51.4% Retail Time 11.2% Jumbo Time 13.8% 10 As of June 30, 2013; NewBridge Bank includes Security Savings Bank ,SSB Source: SNL Financial LC

CONTRIBUTION ANALYSIS BALANCE SHEET 11 CPSE Contribution 22.1 % 15.7 % 17.4 % 15.1 % 21.4 % 21.9 % 23.7 % Ownership (shares) Assets Loans Deposits Equity Tangible equity Tangible common equity

CONTRIBUTION ANALYSIS INCOME STATEMENT 12 CPSE Contribution (1) Annualized (2) 100% of synergies allocated to CapStone 22.1% 21.6% 27.9% 28.1% 20.4% 26.5% 26.7% Ownership (shares) 2014 Without Synergies (1) 2014 With Synergies (1)(2) 2014 Cash Basis (1)(2) 2015 Without Synergies 2015 With Synergies (2) 2015 Cash Basis (2)

TRANSACTION SUMMARY Significantly expanded presence in Raleigh, the center of the vibrant Triangle market Creates a more attractive franchise for NBBC Fills in gap between NBBCs central and eastern NC markets No asset clean - up involved Seasoned Triangle management team Ability to increase loan volume with combination of Triangle team and NBBC balance sheet Increased market capitalization and stock liquidity EPS accretion of 5% Cost saving opportunities of $3.3 million (35%) Modest tangible book value dilution and short payback 13

ADDITIONAL INFORMATION Additional Information About the Merger and Where to Find It In connection with the proposed merger, NewBridge will file with the SEC a registration statement on Form S - 4 to register the sh ares of NewBridge common stock to be issued to the shareholders of CapStone . The registration statement will include a joint proxy statement/prospectus which will be sent to the shareholders of NewBridge and CapStone seeking their approval of the merger and related matters. In addition, NewBridge and CapStone may file other relevant documents concerning the proposed merger with the SEC. INVESTORS AND SHAREHOLDERS OF BOTH COMPANIES ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S - 4 AND THE JOINT PROXY STATEMENT/PROSPECTUS INCLUDED WITHIN THE REGISTRATION STATEMENT AND ANY OTHER RELEVANT DOCUMENTS TO BE FILED WITH THE SEC IN CONNECTION WITH THE PROPOSED MERGER BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT NEWBRIDGE, CAPSTONE AND THE PROPOSED TRANSACTION. Investors and shareholders may obtain free copies of these documents through the website maintained by the SEC at www.sec.gov . Free copies of the joint proxy statement/prospectus also may be obtained by directing a request by telephone or mail to NewBr idg e Bancorp, 1501 Highwoods Boulevard, Suite 400, Greensboro, N.C. 27410, Attention: Investor Relations (telephone: 336 - 369 - 0900), or CapStone Bank, 4505 Falls of Neuse Road, Suite 150, Raleigh, N.C. 27609, Attention: Investor Relations (telephone: 919 - 256 - 6803), or by accessing NewBridges website at www.newbridgebank.com under "Investor Relations" or CapStone's website at www.capstonebank.com under "Investor Relations." The information on NewBridges and CapStone's websites is not, and shall not be deemed to be, a part of this release or incorporated into other filings either company makes with the SEC. NewBridge and CapStone and their respective directors and executive officers may be deemed to be participants in the solicitation of proxies from the shareholders of NewBridge and/or CapStone in connection with the merger. Information about the directors and executive officers of NewBridge is set forth in the proxy statement for NewBridges 2013 annual meeting of shareholders filed with the SEC on March 25, 2013. Information about the directors and executive officers of CapStone is set forth in the proxy statement for CapStone's 2013 annual meeting of shareholders. Additional information regarding the interests of these participants and other persons who may be deemed participants in the merger may be obtained by reading the joint proxy statement/prospectus regardin g the merger when it becomes available. 14

INVESTOR CONTACTS 15 Ramsey K. Hamadi, Chief Financial Officer ramsey.hamadi@newbridgebank.com 336.369.0975 David P. Barksdale, Chief Strategy Officer david.barksdale@newbridgebank.com 336.369.0939 Pressley A. Ridgill, Chief Executive Officer pressley.ridgill@newbridgebank.com 336.369.0903

GRAPHIC4image_001.jpgGRAPHIC

begin 644 image_001.jpgM_]C_X``02D9)1@`!`0```0`!``#_VP!#``$!`0$!`0$!`0$!`0$!`0$!`0$!M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0'_MVP!#`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0$!M`0$!`0$!`0$!`0$!`0$!`0$!`0$!`0'_P``1"``G`*\#`2(``A$!`Q$!_\0`M'P```04!`0$!`0$```````````$"`P0%!@B>(=(=95:0@)/9:A:Q_Z1I>K65P)+;5]/NHH)=-MFCF6Z6%=K-\,?L[O;ZI_P43_`."F?AFZBANK*]T+]E![VTN88[RVN;:Z^'/BM+2Y[6>TNEEM9;&XMC)#=6?\`@I=\M%OC9\(?%>F^-_AW\0?\`@F/\4[CPQXDT:1WMKR"W_:8^#TES!,DJQ/8:CI5QM.FGZMI';^3MQ`;74/#5]=1Z59M9>(OLE[9W.O6,E[>R&UEMA^F_Q9^)/AOX-_"CQY\4O%UQM&VA>`?!>K^+-3:%UAGU'^S-,DNX;#3T+R&34?$%_%!I.AZ?`9KF]U.ZM=/M(M[FXG2.3XP_;%_9Q^)?[3O_!-WXH_!'XIW.@ZW\=]:^"W]J-J_A/2WTK1'^-OMA>UF\2Z9J'A;3W?4[C2[27Q)I5G'H\,LU[=VB3P+/OA1\?X?V\O@MS_P3E\*:DQZ!:)XOLKU_C=X-T&(*@.II\4-!0Z/HM5L27/B'2VBC$^M"%KG[4_P`(?$OP/_X(6?M(^#O'2Q#XGZQ^S=\0OB/\9+N-MHYI;SXR_%?6'^(/Q.,]TH#7PMO%OB35=)M+B4REM+TZRMF9X88T&E&"PN-I5MJ7-RU*N'^KU)+I[2,IM--+FC&2A*SMK>ZNCRL=C\3G?#F-P^*Y8U\MRC/7G=M.#5H8K`X:='"QFG[T88S$>VS##RM"ZI*SWB>,?M/?")?A#_P2C^&G[7'P`\8M?$'X1?M-?#KX*_LW?$?PWXR\(?$7QXMU\5/'?B8_#K1M0^'GQ!\,7VO:EH7QM63XK:CXJO-`T[0M=TW5=6NO%.JZ8?#TAO;N2*;[U_;5_:P_:#_9MVPM+%9EAZ;5"M4G&-\32./':ZC#+IR^'7T.XLMM5M8$_XFD=U8>>MM/)]/Q[0%P3P=IZXR`![=,;>^>K#TXZGQ-M1U3Y5%Z+71M]--[:+6^FA]?E3D\--R6*:]HVOKO+[:/-).TY1E.$FM[QDU9JUK-$]%%%8GIMGYC?!/\`9X_::\!?MN?M-_M&^)XO@S;2H4T9M/D\J.'4KL9D'Z):AHUMJUG=V6MH6$%Y9W=G/:75G>6L5S:W]I=1207-I>6`_"&FZEXBLM/MT^WN;719_BE8:*VH!C/>RV6^SE^._CQ^PUX7L/V0_A1^QO\`LV_%KX4:)J?PMM_:%^'W[0GQ;\??&_6];MM8\5>,O#OBC5_'OB+4];T[P?X=U%-%USX@^(GGOM1>W"6>@^'-'LSI^F6U\T-K/%_0',H+*3G*%"I!.`2[+R.^0>03SS@C.:_/#2M->L/#?[2W[:T]UX*USQK;7?A'X("[T;PYX?BUZ6^BB\(>.3/9:A:@*3%>Q_NM$1A&01MX!\*O$EQX%^/OP\\C:1\*O$'AFVU*U:&YTY?%T$5KHM_-I,MY86\@^TEA^MG>B:)H^AV%KIVBZ?8:3I%G:16-CI6FV-K8:?I]M;*8H8K.SMX4A@CB@$K:9X>TBPTYM4ENM4MLV49)-_KLOFW1#\)6F(C+SK'X=L6$I41@)QRQ[^E1VA9L(Z7A(BJ0VM$)PZA6`H*YYW9^U13M!0"0/*E0VKO^!JG`H/^P[\_P!EYU2E*^?KU-EETI%TVY>T&'*>>E)45-M248;R#RVGSK#E1?%)#:B+JFZQURHO=6&'`I;Q7N"O85ANNA[L;F^&8RG&7'%!M,@*\(!5G)'EC./M0`EAX!JN@?#NJ7'QCO+U70:QA:=28@F/N1W%-#LS#3E:TM@8&?M5[D/3JM(MI+X[CVN0ZE/YF_','WJ*U)HNX*>CN1&E3$):2AP!7,*2,9M`]*O.@[DO3++825S.\*=4TE77(Y5L!8G@&BIL%/N(+5CO-U4CI"!I[N4U45YMQ\[-L@RAM4AL^?T_ZUHZ;@Z8%]:5'D/NNI4HLHDNH1ZBH_3L32Z;ZVF/*=>4E6YAI]&$*(Y\C6/3FC;BM$S5308:7(Y0T@GJ?T[5)1G!/[5''0T\Z6[)02J6)`64;LC;MQC/D=:?E=+HJZ7V4J4Y`#4V.Y^:ZJ2K#2B>>[ZUX!=-#WA-T=,6.N4PMQ2TO)7MR&XY(5ZXKW_A-=86FM+1[3+?2VY'\0?4,A1\Q]*Q!+(][FNT"VVU04%!1QSTM3L3W:BR.7'42=6H"F0B>4X2P$X;[/USZ>]9M7SM0=K#$J.W%;#@2SW0[@MS^M4GUK>.N+:=2;T**HIC*8+NWF59SN`\A675&M;:%Q&V'>^J;D)=6M`V@)&?V%62+AJ(:MM2.P(F[>38/Y?9@]1[9)J7L.L[:7IC;="(@HN"9"0ZE#WM((/F161C6L!&FG'3!:92V[V7@MT4SCLMLLQ.+R]^G9M9M4ZMMPO;S0L\>:60-SKWA/K@>M;>I-96]=N@I[DBXFZ+1YV8Z*H-G9GO]?'-:4+6T!5Y[95F890ZL#O"5>,GU_>LVI=6P$WM4M&UL3NQ(!>>^9..?(?>L$+1%N1>4M"],/H;6#V#?SJQT!K8U'I&$Y=UO_BTM>`M\Y+,CFH>7A]^5:C>@.R&JM_Y4*EE\7E[_`"6YJ36-O_-0NP1V?:/M\PX,D_W-98NBX'\//-=^0^'%!SO2#R!`Q^U;WDOD`J37[*\,TC%?&/XNJU](MZLA]X>CFW-VQ10IXJC'YMH)Y^E1\77$$W9;YL\9H.*[(2$XWD(M#73.>1Y5*Z5C+7*BIJ":MJ!=';AR^*^3RG*R!5I@UT^N-!7+A_KZYZ1G]D]=8$KNKBHY*DN$@%)0"`3MG(_>O;>,_P`'"^%/"_\`BIG4;MUG17([=UMPB(`AET#/B"\X"RE/,?*JF]8"M!?5:1T,[L9`R;JOFW(!Z53I7OOPW_"]#X^:>OUTFZH=TR+;(:C;41$OI45I2M025*3@[E!/G4-PL^'=_7_&&]Z"N]PD6&5:69*WGF8R72I31P``I0`!R)ZUMIOV7(OHLMV;.YL;@//>WX+QO:?6E>T:3^'N/J?A+K[6KM_=A*TJX^CNABMJ;MD!OGDJWY3TQC!'/D35+O\.K>B^!\;7.K;X_9[O-WD`O5455L]E#)%.T[SDO=9W":V?A"VVI$DRFT*4AQ3AV**4GRM],YK6TOPU@RK(Q)GR7C(E-@_D.;$HY8QM\^G7WJMVNNM/X9?6[;64-J:`=?2M?S"C&,X^E8=%7/5K>G\0K>Q-AM)*677U;5I'E@'Y@#7@[UYI76F:!B[!>7;BMU.BQ::X9,*NUP$QYU345SL6DM*V%60%9*OO5)O#&.-40XS$E[\/?;45G\QM)3RQN\ZT]'W;4[E[N'=XPG/.JW2VY'@;"N@/LJ_P$-6^W,S(J`I++DA6%X\Q]*T](7;5#U^N0CQ4SG7%A4MJ0=B4*'(M85TSY?2I)!7#Q`WS=?KW)FMN;PPC?Q1$C-273;GD./.J)RL`$#`/WZUEU?PUMBPX3E1MUN^JD:SA*5'2U?0YO.Y*M>@.>8'*E6?$IJ;7MNT:ER+%M%TTDE*8-X@/NF4.6O!R4XK9C)S@)4`,`U[V@"7_`+.RU`55:6J79->:JL]TM>;Y;[:?-Y):].2H^8G\^/8]]#3R5+=NC4S=&CV$ZS-76*K3I%38?;:2J.EIEM02L+5RR%9(P..#]]*U,QLE(28HX(XE.>N71/VTYUKWW0KVM^%7*'46:E2)B`XMQ+8.4+2?;]0?CB1D?(&NY]2V$DY!ZS[CO6FURTH$K)XX"#CK^K]-.??&X]N[;4IFI7+4VZ3!>ELP4/NH4I)>=7P;1Z0@W'3JP]+;@3HTMV&\J/)3'>2X6'4X);?+EQB6ER'PGR@UY?-2@2M()(&,]X'>G.$QLKMX\LD=G[8^^=9O?O!=)ICP/[V_P#\R(,GPSYM?%:#!6G!X**>R`3C2AE^%*Y']D)MF(K%*14)%V_CX?(=4Q].)8>M#9!23SX#'MC/SJ40>2?T[TVT+P7W"W'B6G,W)?F;5PZFM*C'MU=-;^K3Q=+J&C+SR4D*.>Q[=#3KVAM"]8UW[E7)^)-RQ=;[`BMQVY4#Z28^IAV:AY"4L`(00A@8')"SP]1S[Z4UKV,/;+"H91W8#[I)G:MC=./N:W%2CU%W\9M3;BWDSX*W&%E?EIRX@C"D'Y!&%#/L#UJ,E7MZIWS!WBJ\R\+JB&TZ)3:E385M/JSS#:I"J8E?-8]U@J21QR025$]G4UJR.\ZKM6U+A0"7B0VKN&HU6M.UF?9+%=?+KD&GR9Y"ZE3*I*@-L*"#Q#RXC+KJ@20+BVTK(4.7$=:[NY;J[)V=VV9ONI72Q4:\_+K,NJ1ZU.ALML2'REP1G?I6GWB4I4$I0E/`Z7I#W.3';0ORO.]E+M`2!CS!^I&?9.N7#"H6P,ENK+KD&G2=PZT@SJ74)4!+&%K(^I,S3KGXFZ$6RK[LBU'*>]*>NJ3)8:DM.)0B.66O-/-)[M5D8`Q\G5F\FZD;:&@TNIRZ9(J#7ND?*?EVA0IU:K,YFG4J$CS),M]7%MI/W4?MV->=&[M-X5V'OU=9KEZU2T+FCUMM-%\Z35%13#2I)9Q$8BK865V"GMW?6/O%FM366GV%AUEY`>X=,MV>5177X54@/2P^]5DR%)>;6XALN)_;2^K;KU>H5VQ)U*H3?G5)\,M/H,9!3D$H6V%$8^0/_+2%O\`\>6V%J4F%-I%=8N,OU)$%UM@.M!AL$%YTJ4TM0H(2H'`[5[)[TW-`\-6Z$VF[K2+@:I3=3NFUTT:'':KLF4?`?:5DJ&0"G3@5MWXG*CZVDLN]%FV/1;4D1I3%-I%6%4YQM/GOU&M#_`-MS99-,>J2[_IR8+6$GWZ[/>N[>_@ZI=#L*'%VQ?71*]2JRW(0M3BE%M*5^E)(]@2.ZMH0EVY093HC,V0XNH*B2W@EI#[X6`OAA13Z>DMX)(T\GB3M#2(@7'DJWQJG3J!^E)>T:L)O"?W$7M>RN_IW>WXOB-0[B16[#BT:FRJD.#2:V'/I%EEY:EE"N*P$!'/TJZR4]^XZTL=VMV86TNVE2O&4QM(J,>*RA;4.,!YTE:B`AM&?ZE9^=1ZW-VBW@ORW;(=AT.TZ)>,"/(9>J]/KLJM.Y32I8"2QP`#R5-@A0`/2P/C3?WOXM\ML*#:L&M6_7HERHEU%$'R&2\RMM.4>:]VTHD-I6%8QA7LDY!TF:'X7N[L\5>L,CU@"L(ID>L,CU@1L!1^>*9/IQ$,'.UA?E8TLL6K4BFTIKU;IRYVA,LN_#$M2)B04_*.9#B!+MK(K':[O&Q-2:RS3;RMVM4J0JR99-%D[9FW!W>\)M+*JAGN@XG.%'\%0(\HE?JO=5Q6YI-6:Y:U+%9N%J32[)4XY4E;A`R,)Y7C).M!UQB(=*2M[2T,93FY+U38F?BF)=4DLR\E.'NE!M2PW`%(SCK'!4)QMJ1DGIF9>;EI=I.]QUY80A*1R25'@#WF(GR.M&J=M:=:/U*[7:;(UNZKE:E:FMPJEEA3,DXDE*"VI64.\`E0SU'$=[6+5BMOW-K-9TQ+TRIT&E64:@U(SLF'4NM/+!"FW@%`J0H8R#CKU@J,F6>.II7M\[DG92>:J$HU,2SJ'VG4!2'65A:5`C(MPH9"A[X\65OF@SEZSEI,U1ERXI.5;GGZ>D'O&V%G"5GC;@G(X.8AQ7]?;]L.MR]+30Q0[,M!ZVI.9'CZA$IK:KRJK95M.J\Q,RRG'Y!J;=>EY@+EDDM[U*2L=6\D^(=4@&(E3F#B(KT35C52R=:Z59U]3%O5.0N:FSU1IRZ++N)73NX1O[M9M5RZ,$)WG&Z,-MOM+ZL4_L_3&KMQKMR=IC\@)2G4B1E'$/.3IF`V)AYS)`;`[MW+8_B#!\46X$[7,ECZ3OIL34>*D$8!(Z8]?_`$C"K1UELN_;EJ]O4"Y9"JUBMD'%0E)5U2G)5.)WJP//.&@"JTM(RZ2K>>8D^K=,5B5FFWC)3@MR[+KJG5)25%6-RLD\J/F*3G%VLMCMI8>K&;DY'`^HU]:H:L=-MT7_5;PI0M&>GER*+2;IJ$J92W-=M);F4D++N4M@[%9R,F-PUEZ@]1:;J$W8]IS=8HZSZF.ZQ3]&OBO&0EY]%1^BH,S0&D23[*$K+*I.?;4H3"L)25(M60`DJ!(4`DS5IGTD:;:3W**]1*3-N5-"2AEZIU!Z=^G!\]H.J(;XX]...(K;M'21II9]Y35T4NC/M55Y+J4%V===:EB[GN*8;4HI:40I0W)`."8KQ(=#3NV)TM6?GU]#BN61=][V3TV52F7%3Z#,3U0FV95JG4.5;:E)H.N!F&I6^9:@2DLIUOI:?TJZ;)M4_5)ZGU!,HVZ\HA12%J!;:I]`H^I+[E%IMSR]M/HET52J]IR;84D+=ETSY"@E2L$)=5E`]U#/$GJPBI.4M^>`(0$S"3D92-P2``DGYB.[EEVDGM`[KTN925,3DDX'6G0#@E*D^>>(X]8L:L6KJ9J3IDBM^;NKE`FK/55FW:C5%3$ZP^E9_P"&YC*0K&-H`!!((B.]++>F:=TBF[[.ONLSMES4&99JTY19>MEUIAIEX]R7,NTH=O>C)*59R1G$7X*Y,Q_$)+>GU]MS]&0Z?M\N,Y'OM'&=H34Q0ND-K4RZKZOZLU*O4MF1#$C6Q+):/U8#7:;=+E9&2;`2XDRA>2M2@"1E#M2]Y()/$.`W=HW?:"A%*UK['>MUW?3K)MFIU^KKI5MC:BU?5.ESEK5"JU!,_4T5%#$XWZF,%`VM!2B1L2$XXYB.6K^G6-(K>U.IVMLEG,U-3-K6I1K=F)H)3M,.TN1;EU/)3X"R@#/N8V#;D10I..#B";>Y?*KV2/GF)-$TVMIU*5M+24J0H>0>"/TQ[1X+6FMLLMV@+5;H--1;7:+'X2)5/TW;/)3V\8(R2?'DY\QLX!^8NP8A76S#C%[JYHE"T5ML.V$3#='LZ@TI,Q++DWTR5.;:2ZPLDK:4$@90K)RD\$Q]RM,K5_!*71A;U+%M(I:T.R$B)1`9E%H_(6T@821[8C:5-DD$&*+;*O!B[=^93APV436%Z:VPI5=WM4*FG\>P:NGZ1O$^=NW]]QZ^./5GB,$EI)9=/_\`2!=`SY.//$-Q#`BZ1?",:G@D%)IM"JVU,A4'Y@!F9)3N`0KWXM&?M"2U\T]J5EF\)6[J6_;*7DRZJJT_N82X5!(258X))`Y$OVEJ9:_31IQ2M:;:M;91+U&=156I"@R\[5Y1HN*+/98F1M2A7!4K'(`Y$>72=(K[/3=JM39JUMK@F:K4J_(34NQ.4QMF;G&MZ-Z^PP>V,#)*4':/US$JE#74E8ZNYJ.3E^QVY:M&N=A7YM:)J2DY@+=:*3A61]C\9CY6-=[!JM^3%ER-WTB9NMR7"M](1,Y?2I(R04CX&"0#GS$.U'2)5"ZC-,9ZU[5%*I$K;T](S4](21;8ECMVDI92XL#)^!NYXC3>F^WJW9I>@R>F;=T:A7+:5`0[59BFLOTVJ*F)1PMMK("0M20>Y@94G'ICPNH#J.EV.GV>OG3*Y*;5NU49643.RR43+?K?0A:\>4QI)J`]T^:GR#]JW+,56J7!2IZ59G::VS-S325)4MPLL#M(*1P4H)"ZF19G)\2TRVPR@!ULLNJQG'!W)3X^\8:95ZC>]1J(D9Q=/HMDD^N4^H8`+TP\@X7@JSM0#X(P29:=F&FUNJ+;:5K"2M0!)"0>2*/\P;SN(^^(M68S)GI9$-P^8\N-4+LHU*F6Y>XA"$"1"$(`0A"`$6*B^*0!&NHEA52Y;DHU;D:H9%MND=QQ4DFFMO*GLMK3L+JE!21ZC@#WP8YETXH&H=I:5R$C:%(K5/O:5F&C]*YM:R:7+*0E#GHE.,1X=2K&M#DC9@9-R4>7-.*%MS#LG.3SJYL/@%V90W+;RA2#Z6W@R0//B.T=B2=0MQ24I6#T]:O'GMI^PJ^E`8P`G0'84*0?(!JJNY%6*7K76[$7M&+T&TEL$@G9[[&R:R=`WOOO]ZM'X'([@Y:[8[;@J4T]M*;V7&BX@%*"G1V5$>*Z`EXDD_'W!^?M32UR4C*,^#-T#MOO]M]ZH4COY[_8ZMK5K+R38[]FM_Q.)*=C]S^YJZE226%L'[_UM-.@?^C5]*`L]I.P==QX.^XI[8!)^_GO5]*#)35/BJU17B@*?SIH_K7@N9C9XM^3QL==O$-N^RHZY;%M6^G\0ZR@Z4XAOR4@]B:]T'8J2NHOI5*'Q4%BWJH%;KMYFWP]U`*2HC_`&3L#]ZME3&XFFD%Q2@-Z2`3O7SXJ=.V"%*.,GV;_6MJ']ZU'C;DNR?2H[(ZN:*GM-26+X8T:&A,W,MI4A/8XVGR8::4ED=]#Z@PEL8"@K,)[#T-0C56I9%UGKT_9D!4U8`6Z?LH`\_K2*W%XQWHB2;9>+EU5GWB!J*0[M$3$4RJVI20TTX1PHJ[)QZXYK=6IVS6BX2;3$U)$FZP>27G(Y2U%\97MPJ=5N7@'R.`K\*W.DKO&>B7'4`G-KM!4XKQ@L+:2A"CDD@`YKX@A]0]1:XU_MIR&]+E7NVP-20;E#>GYUNVU9.=X+?TYK&NEVAV1CWB=M,CPXY5M+CZPA`5Z9[DTC:)4J++3=&[HRE:PJ[@MG8!/EQ5X&*IW%75B=ZZ"E*4)%*4H!2E*`4I2@M%*4H!2E*`4I2@%*4H!2E*`5BD@EHX`4>#@_0UEK%)QX1R,_2I1#=M61ZQT5TMC"U+]O-6U:;B9:IWA?-NB-\TH;52/`W>%XA&?.$[N3[UA5T1T>[:(UK98N,>M''?DR4&%>)3*U+?/Z[Y^68U5:^?3ZKAL[;?(\2-'X[!ZEN?J5*V)4ELI[7+\ES2^F-:YP8#Z@*R_T6(,Y.[;R?DD#"M@:.,!NP+FCUCQNYM3W;2X="X9(^'DI=K?-M>DXZ>[XZ_R6Z_>_P!C%[?Q!?6ZAJ[8;=*QL`>1-@X):2/UX7FMG$YUPM=SMK#;)F>A#FY.4Y&NLH]:Z6HZT/S.&]W.#UYQL2?MB=UQ_C!)&V>JV;P"U2;-JWY,F>64UR86-&V!*`2#]#2/G7HN!WDK:MRF]I&QM1EAX9T^#E3`Y4F=@5,U?4>NYNDR(BD!$1`$1$`4CLY@#JIU3>X`[G'Q0&LMN.^M':;TJV@II"+E74K":>'R#&G&WQ(S\ZQ([G*`$97LLU[K--7&.XT%0ZDJ(CDRM\1_6'XP/1M>-0(\C@^8ZIG'0C&3J3AKQ7M^NHA35)917=C86JN/O98BU$M:G4&D8F4]TP7S6QOJQU'F8_!CS]!\5K2"HEI)V5$,SX)8CSMEC=AS"/$'S70M'"WC;'=N[M.H9&4U=L(:I^S9_+F(V#ELVUQ4M9J=-FM01\ZDPWH`&@]0T8!WSMDXZH$76ETQ@YSZ$3L%OWL64'I'%BKJFTF_*2.GP])W,4S5W:]K?3..]MW;S\S(*:FB`\CW?K#Z5IK"V#V@[D;KQKUC+S'YPX$=#E"%#'F`?CNF$^H-O::XA6?7MCDTKKR"&JI)\1QM5THY3S'8.'9^NO"2K-=!WEQTW*[\'7!N3%GI'(![)'@[D::B6CIM_6?!G\9F/:9[O:"Y]#/N'D?'+'M$>V6C`."?UJ?2ND(+E%7S5DRBUG/8\[)Z8O)O'@;*RS\/E0;E!;&KGMT89B>MJ'`R2>][\#Z``/.C,\@[RJL\)`9,[J2T?BR>Y8.0-R=SYGP5_T;K:XZ(N7I5OF_!OVEMA=O'(/(C]ZV*%S4M9J=-FO7MX7,7&:.;*FGDI*F2"HB=32QN[N6.08?&[RQXMN]W12CHNS->\,M-]HNQRWVPOBL^KH&?A6OP!)CJR3W>3PN0]1:;N>DKM46R[M4Y?2+#B-.\CN\2[GA[NQG:O9>J6X]%NRV.%MB[(NH*D>K+=[W'"&@8+HXWLS\=BY:3!QXG`\]ENGB[)\A]F[A?9_8J:J22ODM8-N8#F!)/EAS?U+C?BFNZ-DX^3TOX.MO2>,4D^QH2GIY:FIC@:TRSRO;$UC!MNYSNG*/']R[RX1Z#H>SGPOFNEU8U^HZYC9*CQ)>1EE.W^JTDY\SD^*U7V/>#M+:^?[O+Y$!;Z+F;;8YQZKG?CS;_BC!QY[GPWR/BSQ!DUQ?RVG)^2:;G92CH)M'9WDQ^Q?&*UQ'AM%57[;Z'U/\5RZ_4Q.]7:JOUUJ;A6R&6JJ'E[MW$^?0?`>'DO(P!HP`H``]%,!A?/:DG4FZC>[W/F4GG`1$5"`B(@"E=N1[CD*M90ZE0#;79SU`ZAU+56ISOP=9#SL&/QV9/^B7?J72,9W(R,CW+C+05V^0M9V:MMK-35&L-05=SJ'9[YQ'Q*^:\=O%;JHMXOUI_P`(]']NE6Z9H]B!OJQL^#?[&EDG>EN-RX\A;@==SC;H>AL>-P?)2\@)R6M/MGS-R"3P&&=?!8(2X/+PYW/G/.YW,?I/A[E+&.MZ;B/$8\0PJ+(E"%2.&C0?$/AC?>&]^-GO%,6MR3$LIZB/>./.Z1R8>&0_+*TZU/JUM\C7_%[5MU-I2S4NC+$T4LEH+E:*2>V5U%1Q-MBC8]L9+'-8W@&N:YI'IWAW+96N=A_1+L&P8:CAL=XNM527N!M/-3UCVN:P-WMUP.!EPWW^O>576WU:7:12MP$\-452DLG&S7K.NOL6(&=HOKHOSI5P'97L_TCM)Z8VTBU:VI*6MM#:FND8RMIFZO$HV72%?LAN]31W&HBWIZ&EK35".3K&")G,[S9`7?Q;MN&6Y[UL3V3ZWUR-[*]CAQ:X9.#Z3Y55UXIQ>MEJ9/Y?5=&O;)RM9+4-N-F[(R5,UG#T4SO]97"NDQINKZ*O27I-=VM1A9IS4;)W34\1W6YD`;5PGR\VR-'C'8)ND'#M:-?F1A@I`YMII_$+/)GD5R3;/L3T[MUT9)IS4J/5QB&IMQF#\PZ.PMN>H@A84%G2_/OYYSY%T%PC,+>RML[.K?5*LTMHLFX=C*BL3@@:2)+#3J6WO!(_F)5M/@['C@IQ[&OA:NIO)5=?4M3,W,NPKJ1*LK%:*/#:JTNZH/*2U)BOORFY;Y920@N)2$.@Z\!O7WY)&"JROJM)\+F6-8ET#:UCP-ZT-Z'$VBZ)X=C>`?P74U2Z['O44\MB,S,?*VEJ7WE:'BOU$*WL@I4"-^.#G%\D94[.M"3;ED@[&H])E6!Y[C4RCRCM%[[%V1,E4\JZDOB))5&4I#L>0AXEQM>M@*NZ??"EC*F;Q=-M=/4O'6L?KNAE=60KRY8N9ZGK&JAW[[3T]PMP`K1==DIUH_5V]X3OS[^]D+'H_BEM9998OUA7+RB$BNMRE]U(E,(24)3VA0[M3VJ(!&CY]^:\GZ-XKF4;'HMG$D]N.G=8Y!L9,1^&2WZ9TXRZE?Y!V^3PUK)+MM:B3BWG9?!Y*V?$!&N\=R7`48TNXQY['\;GWK-0Y://]RX[[#I:?(=6E_:?4M3]2E>^AXYJA=3)75+XC>GV85%M.&+3+*54P8J9+K;$AIF!ZRW%MA00L^H\H;M(/\`N_VY9Z-TIQQFQJ9KL:383:R"_6Q9-A/?DN".\074K4ZXHN;T`5*).@!OMG'0=",$Q.'B\:II4PV,62ZIQ:0@I[CY)(5V$)))M`YGH)U>R3J')SQ&0TPK8U)=2H#$OUV?3"&]?RG`AQ2BXG>U.:"%>.WV/.?ICM\-*.FMQ@DMK(#-9Q2GFU*651.SYD/O!SO*N[Z%)UH^#W>_TZT71T^Z0/X%M%5YA=CS$AX)#O\[O(6@@>!Z8U^O!J"Y!'Q3PYK#&Y2_$S!OIMM$XUBEZQC]_)=ATMX\J.&)KZ>XMI"`YZC7J=JNQ3J4I.AO6QR/\`!>L.='X?M.HG424S82;AI^6["CSI_"Q\R/!UJS1_*>DM3WX#:%=Y1394J@BO0P);J&XZT.A9WR6/8RL0JMY56&XE:J,B4VZAI"5J'K.=JDA@'[[[O8M>Q0VGO\`/Y?;D+AY>3JEQ]*TG%==?I.195@O7+QM;64NU.05CZF7%`"$\ZME*W&U*0IO\B^Y*OT_?CGP[XEJ3,;B)&;IK2%%LXTF9337/2]$@.^AV!ON45]^AVME/OXXRGZ0CE\J]+TM)[?5)\$]P!"0M\4T9*=UG'[?T=EE\3M764LYVTQBZAV\*\CT,JCTP[)9=?!4PL*0X4*;02)J5QRIAOTG'%*IW>0-!35S*2QR&M+\/WQ!6=KB>`UV5Q+AZ9D7S+$7))1C^E*>:4LE':DA:2$`Z4I`2K6QOQQ1M_MC*QBBI7[J92W+="ZR^]66'G!M:BRZ1S(XB8JY+730?G');KXCH+JYZ&D/E1`WZB6AV!?OOLTG]-\6@?/(ZX-4M\I2/7#APX%APXI.+.YS@.2XXP\F,Y;5LF`'W$DI;M+K:F^[Q^F]\=7@;\\X;*?$IX,F9.?;B0H[:G7I#A"4(0`2HJ/VT!O?'';>)%M1)QTRY%?;CX69,_JA@>7Q+>+$;JF&6;R+Z+A%CZ4=QEM;9!_EK"7"-G9T`/MMS5TH^%0=.+IIN56XI:5[#P?J3]0\>WGF:G4?0O@6^VY#5-\.F1UK-/B4B_K',"I[M[\=C-MQ7/Q)Q"7S(;CK63Z82'5:*DCN*0![D\[5_#G;'$T58NH2I"]'=@\5Z(MQ[K,+S-WZS+9N3(BQ).G^6CY=UUW9[B5$E1MV2G0''E!Z9X?5QVXD/%J:.PVZW(2PS7,H2'6QIIP)"0`I`\)5KQ]B.5KCV,HMVU>23R`C[!)*O`\D\ES@D5"VJRDXR>5A_$K_#QBM5/SKHG61,MMVRYAM@[^+,O-*EE)1%/8A?I^F`DZT2VHZ`'[\3*_K)GV98STPMIX\RY,5"I%LD,V3YKVRJ:@?9Y7;MSQ_Q$CQ]MO;G#1X5T_B,N0*?'L(_6G+I$O(3/ARZR%M-?I)EA,AR+'L3%]1*GU1BIHN(4A.QR6*[I=AM513J6#BE)$IINC*@,UMK"(\C_[=M*0E7M_B!XG6G2F@5TYO\1QNKKL6AW,*3'6BOKFVV4N/-*07"TWVMI6KV)\^0G6QO83G!\U@J-O6BWYQ`&/=7;W%KC&+"QSJ9D55=81*O[)?H-/-0M'6&T$/L-M)!"25*!0I1!*?+7'JB:=M7?*6,8_I%;NG'5M',^IT7HK#EY7,K!?P[I%I(KFV4/2EQ76T,K"BA24K`![B!H[5X&QII])[&WSMSK;@-[=959&P1CMM'5+#C"$R!$G^EV+!:T4K"0IP)UM7D=H\YWSD/B+L8*TJXM699Y=?8OGDK7F74S+W:GJCEC&8RZFSQ*[17UV*MI95$D-)]/L0^VI'J++_>KM2DN(UXT/I.TV?1+:S3XI)KMS9I(QY#JX3SK6GTN5SQ_F`-[5Z7E*->PV#W>.M6HL.G>)6F0QL@EXU2S[R-V>A9O0&7)3?:#V=KI25IUYUK6O/-MG@F,W-JJTGMT%9-LG(RX*YDF`TM]>"J)=!RLZD]FRL=-G65=+1M5M,7DZ_8E=.';UJLFMMEMB6PE"4%A*$@I;^K:T*4OP!K7$M?4?JQ3=&=*!&^'$3Z#C:58^M^;'?TW@3(.*PS/N)EY-D($EV5-+?0T`CN24`CM2-A0/VX^K7I!B%U$OMXTZAAR6+]Y$FR2L*)E.H`"5J((T4@``IU[$HC@[#1`6.].R3IM6];Y>N'8P5M762];'&)YM[^9E-'M3HL6X3:G@IUGM]7T!VMJY8&P!R?(/0O`X%'9U+6,04P;1+29S78IM7S/I[["HE145)[CI6]^??GACH7@S>,/XZ,>8=J''T251W7G5Z=3HI4%*65H4M/U!'ORE./5"\+6Z3(7C]1>JMK+P/';"4_B4ZXDVT:1.GU#'SM9[9],WXEMD[NP:B$[B\%R'4I*(;*E/%*$$M@]AVOZT[`T%]P'V`XX+WI+B>2R+1ZSH8VPYZC25:/^%9V-MWP$IT=\:E!K=$.A6V([ZRXAH)#86"E)'CM^D;!!5MY5O0#!*NG-6SCML9LW--C4"OLV`ZEJ2R%]S:7#M:4`J(2%:\I'CENXRL3?O9%O0GKG>]:FZ2!X.QMR-L)S+)^G-%-O:ZZBJJ'>IDRGDX^B(A7JHD35-J4IW7J(?'>%!*2$Z3[$'?+M"]!^CCW2BMR;YYV%(L;J]EVSKL%M2$!+BOY2-*\[2GW^VR=(*BDK)PE;591SJW(2PCK-U$SM?J'\[`K+6?CAR.54283=0P($6(TI:!(^;*@Z704))3KM^O6O&^*V?;EBLFZ68SE\.MCW%)"L6:U*ODA("E&.2CTR4M'8(/9XWO8^QXSNJ7P_0LCZ'3^GN(L5E!&D+:[#)84ZTT`\E;B];*E.$`_4HDMDZV>3"J'5MZNJ4J