As filed with the Securities and Exchange Commission
on December 20, 2019
1933 Act Registration No. 333-214256
1940 Act Registration No. 811-09763
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-4
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF
1933
POST-EFFECTIVE AMENDMENT NO. 4
and
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY
ACT OF 1940
AMENDMENT NO. 528
Lincoln New York Account N for Variable Annuities
(Exact Name of Registrant)
Lincoln Core IncomeSM Variable Annuity
LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK
(Name of Depositor)
120 Madison Street, Suite 1310
Syracuse, New York 13202
(Address of Depositor’s Principal Executive Offices)
Depositor’s Telephone Number, Including Area Code:
(315) 428-8400
Robert O. Sheppard, Esquire
Lincoln Life & Annuity Company of New York
120 Madison Street, Suite 1310
Syracuse, New York 13202
(Name and Address of Agent for Service)
Copy to:
Scott C. Durocher, Esquire
The Lincoln National Life Insurance Company
350 Church Street
Hartford, Connecticut 06103
Approximate Date of Proposed Public Offering:
Continuous
It is proposed that this filing will become effective:
/X/ immediately upon filing pursuant to paragraph (b)
of Rule 485
/ / on _______, pursuant to paragraph (b) of Rule 485
/ / 60 days after filing pursuant to paragraph (a)(1)
of Rule 485
/ / on _____________ pursuant to paragraph (a)(1) of
Rule 485
Title of Securities being registered:
Interests in a separate account under individual flexible
payment deferred variable annuity contracts.
Lincoln Life & Annuity Company of New York
Lincoln New York Account N for Variable Annuities
Lincoln Core IncomeSM Variable Annuity
Rate Sheet Prospectus Supplement dated December 20, 2019
This Rate Sheet Prospectus Supplement (“Rate Sheet”) applies to purchasers of Lincoln Core IncomeSM Variable Annuity. This supplement is for informational purposes and requires no action on your part.
This Rate Sheet provides the Core Income Benefit percentage, the Cost of Living Adjustment (COLA) percentage, the Account Value percentage, the Account
Value withdrawal percentage, and reduction percentages that we are currently offering. This Rate Sheet must be retained with the current prospectus.
The rates below apply for applications signed on and after January 21, 2020.
The rates in this Rate Sheet can be superseded. In the event we change our rates, the new rate sheet will become effective at least 10 days after it is
filed. Current Rate Sheets will be included with the prospectus. You can also obtain the most current Rate Sheet by contacting your financial professional, or online at LincolnFinancial.com. This Rate Sheet has been filed with the Securities
and Exchange Commission and can be viewed at www.sec.gov.
Core Income Benefit Percentage
The initial Core Income Payment amount is calculated at the time the contract is issued and is equal to a percentage of the initial Purchase Payment,
which is listed below. The Core Income Benefit percentage will also be applied to additional Purchase Payments. The current Core Income Benefit percentage is:
|
Single Life Option
|
Joint Life Option
|
|
4.00%
|
4.00%
|
COLA Percentage
The Core Income Payment will automatically increase each year by a Cost of Living Adjustment (COLA) beginning on the first Benefit Year anniversary. The
current COLA percentage is:
Account Value Percentage
The Account Value percentage is used to determine the Core Income Payment amount at the time of the first withdrawal on or after age 60 (your age or
spouse’s age if younger), if this provides a higher Core Income Payment. The current Account Value percentage is:
|
Single Life Option
|
Joint Life Option
|
|
4.00%
|
4.00%
|
Account Value Withdrawal Percentage
The Account Value withdrawal percentage is used to determine what amount may be withdrawn, if any, in excess of the Core Income Payment.
|
Single Life Option
|
Joint Life Option
|
|
4.00%
|
4.00%
|
Core Income Payment Reduction Percentage for Ages 60 – 64
The reduction percentage is applied to the Core Income Payment if a withdrawal occurs once you (or the younger spouse if applicable) are age 60, but
less than 65.
|
Single Life Option
|
Joint Life Option
|
|
25.00%
|
25.00%
|
Death of First Measuring Life Reduction To Core Income Payment
The Death of First Measuring Life Reduction Percentage is applied to the Core Income Payment upon the first death under the joint life option. The
current Death of First Measuring Life Reduction to Core Income Payment percentage is:
In order to receive the rates indicated in this Rate Sheet, your application must be signed and dated on and after January 21, 2020. We must receive
your application in Good Order within 10 days from the date you sign your application, and the annuity must be funded within 60 calendar days. Good Order means the actual receipt by Lincoln at its Home Office of the requested transaction in
writing, or by other means accepted by Lincoln, along with all the information and supporting legal documentation necessary to complete the transaction. Additional paperwork may be required if these conditions are not met and you still wish to
purchase the annuity in order to receive the applicable rates in effect at that time.
LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK
Lincoln New York Account N for Variable Annuities
Lincoln Core Income
Supplement dated December 20, 2019 to the prospectus dated May 1, 2019
This supplement to the prospectus for your individual variable annuity contract outlines a
change that will be effective beginning January 21, 2020. This supplement is for informational purposes and requires no action on your part.
OVERVIEW
This discussion applies to the Rate Sheet prospectus supplement (“Rate Sheet”) for the Core
Income Benefit.
DESCRIPTION OF CHANGES
We are making changes to the rate sheet process. The Rate Sheet that currently accompanies your prospectus discloses the percentages that are effective at the time you elect the Core Income Benefit. Beginning January 21, 2020,
once a Rate Sheet becomes effective, it will remain in effect until it is superseded by a new Rate Sheet.
The Rate Sheet indicates the Core Income Payment percentages, Cost of Living Adjustment
percentage, the Account Value percentage, Account Value withdrawal percentage, and the applicable Core Income Payment reduction percentages, and the date by which your application must be signed and dated for a rider to be issued with those
percentages.
As stated above,
the percentages in the Rate Sheet can be superseded. The effective date of a subsequent Rate Sheet will be at least 10 days after it is filed. The percentages in any subsequent Rate Sheet may be higher or lower than the percentages on
the previous Rate Sheet.
In order to get the percentages indicated in a Rate Sheet, your application or rider election
form must be signed and dated on or after the date noted in that Rate Sheet.
The current Rate Sheet will be included with the prospectus. You can also obtain the most current Rate Sheet by
contacting your financial professional, or online at LincolnFinancial.com. Rate Sheets are filed with the Securities and Exchange Commission and can be viewed at www.sec.gov.
Please keep this supplement for future reference.
PART A
The prospectus for the Lincoln Core Income variable annuity contract, as supplemented, is incorporated herein by reference to Post-Effective Amendment
No. 3 (File No. 333-214256) filed on April 18, 2019.
PART B
The Statement of Additional Information for the Lincoln Core Income variable annuity contract is incorporated herein by reference to Post-Effective
Amendment No. 3 (File No. 333-214256) filed on April 18, 2019.
Lincoln New York Account N for Variable
Annuities
PART C - OTHER INFORMATION
Item 24. Financial Statements and Exhibits
(a) List of Financial Statements
1. Part A
The Table of Condensed
Financial Information is incorporated herein by reference to Post-Effective Amendment No. 3 (File No. 333-214256) filed on April 18, 2019.
2. Part B
The following financial
statements for the Variable Account are incorporated herein by reference to Post-Effective Amendment No. 3 (File No. 333-214256) filed on April 18, 2019.
Statement of Assets and
Liabilities - December 31, 2018
Statement of Operations -
Year ended December 31, 2018
Statements of Changes in Net Assets - Years ended December 31, 2018 and 2017
Notes to Financial
Statements - December 31, 2018
Report of Independent
Registered Public Accounting Firm
3. Part B
The following financial
statements for Lincoln Life & Annuity Company of New York are incorporated herein by reference to Post-Effective Amendment No. 3 (File No. 333-214256) filed on April 18, 2019.
Balance Sheets - Years
ended December 31, 2018 and 2017
Statements of Comprehensive Income (Loss) - Years ended December 31, 2018, 2017 and 2016
Statements of Stockholder’s Equity - Years ended December 31, 2018, 2017 and 2016
Statements of Cash Flows - Years ended December 31, 2018, 2017 and 2016
Notes to Financial
Statements - December 31, 2018
Report of Independent
Registered Public Accounting Firm
(b) List of Exhibits
(1)(a) Resolution of Board of Directors and
Memorandum authorizing establishment of the Variable Account are incorporated herein by reference to Registration Statement on Form N-4 (File No. 333-93875) filed on December 30, 1999.
(b) Amendment to that
Certain Memorandum incorporated herein by reference to Registration Statement on Form N-4 (File No. 333-93875) filed on December 30, 1999.
(2) Not Applicable.
(3)(a) Principal Underwriting Agreement
between Lincoln Financial Distributors, Inc. and Lincoln Life & Annuity Company of New York incorporated herein by reference to Pre-Effective Amendment No. 1 (File No. 333-145531) filed on November 16, 2007.
(b) Form of Broker-Dealer
Selling Agreement among The Lincoln National Life Insurance Company, Lincoln Life & Annuity Company of New York and Lincoln Financial Distributors, Inc. incorporated herein by reference to Registration Statement on Form N-4 (File
No. 333-222786) filed on January 30, 2018.
(4)(a) Annuity Contract (30070-A-NY 5-14)
incorporated herein by reference to Pre-Effective Amendment No. 1 (File No. 333-145531) filed on November 15, 2007.
(b) Core Income Benefit
rider incorporated herein by reference to Pre-Effective Amendment No. 1 (File No. 333-214256) filed on December 28, 2016.
(c) Guarantee of
Principal Death Benefit Rider (32148 9/16 NY) incorporated herein by reference to Pre-Effective Amendment No. 2 (File No. 333-214111) filed on December 28, 2016.
(d) Variable Annuity
Payment Option Rider (i4LA-NQ 8/10 NY Rev 09-02) incorporated herein by reference to Post-Effective Amendment No. 12 (File No. 333-145531) filed on October 28, 2010.
(e) Variable Annuity
Payment Option Rider (i4LA-Q 8/10 NY Rev 09-02) incorporated herein by reference to Post-Effective Amendment No. 12 (File No. 333-145531) filed on October 28, 2010.
(5) Core Income
Application incorporated herein by reference to Post-Effective Amendment No. 1 (File No. 333-214235) filed on April 19, 2017.
(6) Amended and Restated By-laws of Lincoln
Life & Annuity Company of New York incorporated herein by reference to Registration Statement on Form N-4 (File No. 333-175691) filed on July 21, 2011.
(7)(a) Automatic Indemnity Reinsurance
Agreement dated December 31, 2007, Amended and Restated as of January 1, 2010 between Lincoln Life & Annuity Company of New York and Lincoln National Reinsurance Company (Barbados) Limited incorporated herein by reference to
Post-Effective Amendment No. 9 (File No. 333-141758) filed on April 7, 2010.
(b) Novation Agreement
effective as of January 1, 2010 by and among Lincoln National Reinsurance Company (Barbados) Limited, Lincoln Life & Annuity Company of New York and The Lincoln National Life Insurance Company incorporated herein by reference to
Post-Effective Amendment No. 9 (File No. 333-141758) filed on April 7, 2010.
(i) Amendments to
Automatic Indemnity Reinsurance Agreement as novated incorporated herein by reference to Post-Effective Amendment No. 21 (File 333-145531) filed on November 5, 2013.
(ii) Amendment No. 4 to
Automatic Indemnity Reinsurance Agreement as novated incorporated herein by reference to Post-Effective Amendment No. 20 (File No. 333-171096) filed on April 12, 2018.
(c) Automatic Indemnity
Reinsurance Agreement dated January 1, 2018, between The Lincoln National Life Insurance Company and Lincoln National Reinsurance Company (Barbados) Limited (for LNY products) incorporated herein by reference to Post-Effective Amendment
No. 36 (File No. 333-141758) filed on April 24, 2019.
(i) Amendment No. 1 to
Automatic Indemnity Reinsurance Agreement dated January 1, 2018, between The Lincoln National Life Insurance Company and Lincoln National Reinsurance Company (Barbados) Limited (for LNY products) incorporated herein by reference to
Post-Effective Amendment No. 37 (File No. 333-141758) filed on December 20, 2019.
(d) Coinsurance and
Modified Coinsurance Reinsurance Agreement dated January 1, 2018 between Lincoln Life & Annuity Company of New York and The Lincoln National Life Insurance Company incorporated herein by reference to Post-Effective Amendment No. 36
(File No. 333-141758) filed on April 24, 2019.
(i) Amendment No. 1 to
Coinsurance and Modified Coinsurance Reinsurance Agreement dated January 1, 2018 between Lincoln Life & Annuity Company of New York and The Lincoln National Life Insurance Company incorporated herein by reference to Post-Effective
Amendment No. 37 (File No. 333-141758) filed on December 20, 2019.
(8)(a) Accounting and Financial
Administration Services Agreement dated January 1, 2019 among State Street Bank and Trust Company, The Lincoln National Life Insurance Company and Lincoln Life & Annuity Company of New York is incorporated herein by reference to
Post-Effective Amendment No. 36 on Form N-6 (File No. 333-125790) filed on April 12, 2019.
(b) Fund Participation
Agreements and Amendments between Lincoln Life & Annuity Company of New York and:
(i) Lincoln Variable
Insurance Products Trust incorporated herein by reference to Post-Effective Amendment No. 20 on Form N-6 (File No. 333-155333) filed on April 1, 2016.
(c) Rule 22c-2 Agreements
between Lincoln Life & Annuity Company of New York and:
(i) Lincoln Variable
Insurance Products Trust incorporated herein by reference to Pre-Effective Amendment No. 1 (File No. 333-149449) filed on November 26, 2008.
(9) Opinion and Consent of Mary Jo
Ardington, Associate General Counsel of Lincoln Life & Annuity Company of New York, as to legality of securities being issued
(10)(a) Consent of Ernst & Young LLP,
Independent Registered Public Accounting Firm filed herein.
(b) Power of Attorney -
Principal Officers and Directors of Lincoln Life & Annuity Company of New York filed herein.
(11) Not Applicable
(12) Not Applicable
(13) Organizational Chart of The Lincoln National Insurance
Holding Company System incorporated herein by reference to incorporated herein by reference to Post-Effective Amendment No. 63 (File No. 033-26032) filed on September 6, 2019.
Item 25. Directors and Officers of the
Depositor
The following list contains the officers and
directors of Lincoln Life & Annuity Company of New York who are engaged directly or indirectly in activities relating to Lincoln New York Account N for Variable Annuities as well as the contracts. The list also shows Lincoln Life
& Annuity Company of New York's executive officers.
| Name
|
|
Positions and Offices with Depositor
|
| Lisa M. Buckingham**
|
|
Director
|
| Ellen Cooper**
|
|
Executive Vice President, Chief Investment Officer and Director
|
| Randal J. Freitag**
|
|
Executive Vice President, Chief Financial Officer and Director
|
| Christopher A. Giovanni**
|
|
Senior Vice President and Treasurer
|
| Dennis R. Glass**
|
|
President and Director
|
| Stephen B. Harris**
|
|
Senior Vice President and Chief Ethics and Compliance Officer
|
George W. Henderson, III
Granville Capital
300 N. Greene Street
Greensboro, NC 27401
|
|
Director
|
| Christine Janofsky**
|
|
Senior Vice President, Chief Accounting Officer and Controller
|
Mark E. Konen
4901 Avenue G
Austin, TX 78751
|
|
Director
|
M. Leanne Lachman
870 United Nations, Plaza, #19-E
New York, NY 10017
|
|
Director
|
Louis G. Marcoccia
Senior Vice President
Syracuse University
Crouse-Hinds Hall, Suite 620
900 S. Crouse Ave.
Syracuse, NY 13244
|
|
Director
|
Patrick S. Pittard
20 Cates Ridge
Atlanta, GA 30327
|
|
Director
|
| Leon E. Roday**
|
|
Executive Vice President
|
| Robert O. Sheppard*
|
|
Assistant Vice President, General Counsel and Secretary
|
| Joseph D. Spada***
|
|
Vice President and Chief Compliance Officer for Separate Accounts
|
*Principal business address is 120 Madison
Street, Suite 1310, Syracuse, NY 13202
**Principal business address is Radnor
Financial Center, 150 Radnor Chester Road, Radnor, PA 19087
***Principal business address is 350 Church
Street, Hartford, Connecticut 06096
Item 26. Persons Controlled by or Under Common
Control with the Depositor or Registrant
See Exhibit 13 above: Lincoln National
Corporation Organizational Chart.
Item 27. Number of Contractowners
As of October 31, 2019 there were 21,907
contract owners under Account N.
Item 28. Indemnification
a) Brief description of
indemnification provisions.
In general, Article VII
of the By-Laws of Lincoln Life & Annuity Company of New York provides that Lincoln New York will indemnify certain persons against expenses, judgments and certain other specified costs incurred by any such person if he/she is made a
party or is threatened to be made a party to a suit or proceeding because he/she was a director, officer,
or employee of Lincoln New York, as long
as he/she acted in good faith and in a manner he/she reasonably believed to be in the best interests of, or act opposed to the best interests of, Lincoln New York. Certain additional conditions apply to indemnification in criminal
proceedings.
In particular, separate
conditions govern indemnification of directors, officers, and employees of Lincoln New York in connection with suits by, or in the right of, Lincoln New York.
Please refer to Article
VII of the By-Laws of Lincoln New York (Exhibit no. 6 hereto) for the full text of the indemnification provisions. Indemnification is permitted by, and is subject to the requirements of, New York law.
b) Undertaking pursuant
to Rule 484 of Regulation C under the Securities Act of 1933:
Insofar as
indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the provisions described in Item 28(a) above or otherwise, the
Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for
indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer, or controlling person of the Registrant in the successful defense of any such action, suit or
proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent,
submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
Item 29. Principal Underwriter
(a) Lincoln Financial
Distributors, Inc. (“LFD”) currently serves as Principal Underwriter for: Lincoln National Variable Annuity Account C; Lincoln National Flexible Premium Variable Life Account D; Lincoln National Variable Annuity Account E; Lincoln
National Flexible Premium Variable Life Account F; Lincoln National Flexible Premium Variable Life Account G; Lincoln National Variable Annuity Account H; Lincoln Life & Annuity Variable Annuity Account H; Lincoln Life Flexible
Premium Variable Life Account J; Lincoln Life Flexible Premium Variable Life Account K; Lincoln National Variable Annuity Account L; Lincoln Life & Annuity Variable Annuity Account L; Lincoln Life Flexible Premium Variable Life
Account M; Lincoln Life & Annuity Flexible Premium Variable Life Account M; Lincoln Life Variable Annuity Account N; Lincoln New York Account N for Variable Annuities; Lincoln Life Variable Annuity Account Q; Lincoln Life Flexible
Premium Variable Life Account R; LLANY Separate Account R for Flexible Premium Variable Life Insurance; Lincoln Life Flexible Premium Variable Life Account S; LLANY Separate Account S for Flexible Premium Variable Life Insurance;
Lincoln Life Variable Annuity Account T; Lincoln Life Variable Annuity Account W; and Lincoln Life Flexible Premium Variable Life Account Y and Lincoln Life & Annuity Flexible Premium Variable Life Account Y; Lincoln Life Variable
Annuity Account JF-H; Lincoln Life Variable Annuity Account JF-I; Lincoln Life Flexible Premium Variable Life Account JF-A; Lincoln Life Flexible Premium Variable Life Account JF-C; Lincoln Life Variable Annuity Account JL-A; Lincoln
Life & Annuity Flexible Premium Variable Life Account JA-B; Lincoln Variable Insurance Products Trust; Lincoln Advisors Trust.
(b) Officers and
Directors of Lincoln Financial Distributors, Inc.:
| Name
|
|
Positions and Offices with Underwriter
|
| Andrew J. Bucklee*
|
|
Senior Vice President and Director
|
| Patrick J. Caulfield**
|
|
Vice President, Chief Compliance Officer and Senior Counsel
|
| Wilford H. Fuller*
|
|
President, Chief Executive Officer and Director
|
| Christopher A. Giovanni*
|
|
Senior Vice President and Treasurer
|
| John C. Kennedy*
|
|
Senior Vice President, Head of Retirement Solutions Distribution, and Director
|
| Thomas P. O'Neill*
|
|
Senior Vice President and Chief Operating Officer
|
| Christopher P. Potochar*
|
|
Senior Vice President and Director, Head of Finance and Strategy
|
| Claire H. Hanna*
|
|
Secretary
|
*Principal Business address is Radnor
Financial Center, 150 Radnor Chester Road, Radnor, PA 19087
**Principal Business address is 350 Church
Street, Hartford, CT 06103
(c) N/A
Item 30. Location of Accounts and Records
All accounts, books, and other documents,
required to be maintained by Section 31a of the 1940 Act and the Rules promulgated thereunder are maintained by The Lincoln National Life Insurance Company (“Lincoln Life”), 1300 South Clinton Street, Fort Wayne, Indiana 46802 pursuant
to an administrative services agreement with Lincoln Life & Annuity Company of New York. Lincoln Life has entered into an agreement with State Street Bank and Trust Company, 801 Pennsylvania Avenue, Kansas City, MO 64105, to provide
accounting services for the VAA.
Item 31. Management Services
Not Applicable.
Item 32. Undertakings
(a) Registrant undertakes
that it will file a post-effective amendment to this registration statement as frequently as necessary to ensure that the audited financial statements in the registration statement are never more than 16 months old for so long as
payments under the variable annuity contracts may be accepted.
(b) Registrant undertakes
that it will include either (1) as part of any application to purchase a Certificate or an Individual Contract offered by the Prospectus, a space that an applicant can check to request a Statement of Additional Information, or (2) a
post card or a similar written communication affixed to or included in the Prospectus that the applicant can remove to send for a Statement of Additional Information.
(c) Registrant undertakes
to deliver any Statement of Additional Information and any financial statements required to be made available under this Form promptly upon written or oral request to Lincoln New York at the address or phone number listed in the
Prospectus.
(d) Lincoln Life &
Annuity Company of New York hereby represents that the fees and charges deducted under the contract, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by
Lincoln Life & Annuity Company of New York.
SIGNATURES
(a) As required by the Securities Act of
1933 and the Investment Company Act of 1940, the Registrant certifies that it meets the requirements of Securities Act Rule 485(b) for effectiveness of this Registration Statement and has caused this Post-Effective Amendment No. 4 to
the Registration Statement to be signed on its behalf, in the City of Hartford, and State of Connecticut on this 20th day of December, 2019.
|
|
Lincoln New York Account N for Variable Annuities (Registrant)
Lincoln Core IncomeSM
|
|
By:
|
/s/Delson R. Campbell
Delson R. Campbell
Vice President, Lincoln Life & Annuity Company of New York
(Title)
|
|
|
LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK
(Depositor)
|
|
|
By:
|
/s/Michelle L. Grindle
Michelle L. Grindle
Assistant Vice President, Lincoln Life & Annuity Company of New York
(Title)
|
(b) As required by the Securities Act of
1933, this Amendment to the Registration Statement has been signed by the following persons in their capacities indicated on December 20, 2019.
| Signature
|
Title
|
*/s/ Dennis R. Glass
Dennis R. Glass
|
President
(Principal Executive Officer)
|
*/s/ Ellen Cooper
Ellen Cooper
|
Executive Vice President, Chief Investment Officer and Director
|
*/s/ Randal J. Freitag
Randal J. Freitag
|
Executive Vice President, Chief Financial Officer and Director
(Principal Financial Officer)
|
*/s/ Lisa M. Buckingham
Lisa M. Buckingham
|
Director
|
*/s/ George W. Henderson, III
George W. Henderson, III
|
Director
|
*/s/ Mark E. Konen
Mark E. Konen
|
Director
|
*/s/ M. Leanne Lachman
M. Leanne Lachman
|
Director
|
*/s/ Louis G. Marcoccia
Louis G. Marcoccia
|
Director
|
*/s/ Patrick S. Pittard
Patrick S. Pittard
|
Director
|
*By: /s/ Delson R. Campbell
Delson R. Campbell
|
Pursuant to a Power of Attorney
|