Exhibit 3.2

CERTIFICATE OF AMENDMENT

OF

CERTIFICATE OF INCORPORATION

LIFE FINANCIAL CORP.

BEFORE RECEIPT OF PAYMENT FOR STOCK

Life Financial Corp., a Delaware corporation (the “Corporation”), does hereby certify:

FIRST:The Corporation has not received any payment for any of its stock.

SECOND:The amendment set forth below to the Corporation’s Certificate of Incorporation was duly adopted by a majority of its directors in accordance with the provisions of Section 241 of the General Corporation Laws of the State of Delaware.

Paragraph A to Article FOURTH is hereby amended to read in its entirety as follows:

“A.The total number of shares of all classes of stock which the Corporation shall have authority to issue is thirty million (30,000,000) consisting of:

1.Five million (5,000,000) shares of Preferred Stock, par value one cent ($.01) per share (the “Preferred Stock”); and

2.Twenty-five million (25,000,000) shares of Common Stock, par value one cent ($.01) per share (the “Common Stock”).”

IN WITNESS WHEREOF, Life Financial Corp. has caused this Certificate of Amendment to be executed and attested by its duly authorized officers this 8^th day of January, 1997.

	LIFE FINANCIAL CORP.
	By:	/s/ Daniel L. Perl
		Daniel l. Perl
		President and Chief Executive Officer
ATTEST:
/s/ L. Bruce Mills, Jr.
L. Bruce Mills, Jr.
Secretary