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HomeCompanies1da3e70c E60a 466c A367 419990b1b80f 19000101 000001Consumer Loan Officer

Consumer Loan Officer

1da3e70c E60a 466c A367 419990b1b80f 19000101 000001 · Marlow, OK, US, Marlow, OK · On Site · Active · ADP Workforce Now Recruiting

Job facts

FieldValue
Company1da3e70c E60a 466c A367 419990b1b80f 19000101 000001
TitleConsumer Loan Officer
Normalized title-
Department / team-
LocationMarlow, OK, United States
Work modelOn Site
Employment typeFull Time
Salary-
Statusactive
ATS providerADP Workforce Now Recruiting
Posted / first seen2026-06-04 / 2026-06-05
Changed / last seen2026-06-06 / 2026-06-06

Related slices

PageWhat it containsOpen
Company jobsActive postings from 1da3e70c E60a 466c A367 419990b1b80f 19000101 000001.Open
Company breakdownsRole, location, ATS, and work model facets for this company.Open
ATS provider jobsActive postings observed through ADP Workforce Now Recruiting.Open
Provider filtered searchThe same provider as a filtered job collection.Open
City jobsActive postings in Marlow.Open
Work model jobsActive On Site postings.Open
Lifecycle eventsOpen, update, close, and reopen events for this posting.Open
Original postingCanonical source or apply URL captured from the ATS.Open

Linked records

Company1da3e70c E60a 466c A367 419990b1b80f 19000101 000001
Source4c5d4378-2ea3-4a3a-99f9-899508c3eeb0
ATS providerADP Workforce Now Recruiting

Description

Consumer Loan Officer Marlow, OK Onsite Position 128 W. Main, Marlow 73055 Full Time ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Obtain and develop quality loan portfolio with annual performance goals while managing existing portfolio Promote BancFirst services through cross selling banking products to new and existing clientele Participation in various community and public events Consistent execution of policies and procedures Extraordinary customer service at all times Outside business development calls required Assist with other job related duties and special projects as requested Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. REQUIREMENTS Minimum 3 years experience as an underwriting Consumer Loan Officer Current working knowledge of Regulatory Compliance requirements including but not limited to RESPA, HMDA, and Fair Lending Knowledge of loan processing/collection software required Proficient in Microsoft Office and knowledge of, or the ability to quickly learn, banking software applications Obtain and develop Consumer/Real Estate loan portfolio Outstanding listening and communication skills, both written and verbal Work well under stress and deadlines while managing multiple tasks Excellent organizational skills Demonstrate an independent working attitude within a team framework PREFERRED SKILLS Degree preferred but not required PHYSICAL REQUIREMENTS Constant use of computer screens and reading of reports Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile Regularly required to sit, use hand to finger, handle or feel, reach with hands and arms, and talk, see or hear Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching to file materials Ability to lift and/or move and carry 5 pounds (cash canisters, coin boxes/bags) Hometown service, statewide strength. BancFirst is committed to investing in the future of Oklahoma communities. BancFirst is a $15 billion bank offering personal and commercial products, trust, insurance, and investment services in sixty Oklahoma communities. Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers. EOE - BancFirst is an Equal Opportunity employer. Diversity…Our differences enhance business performance.

Full job record

Job ID8609d58863b7df7b75b06dcd52f0d5ce554e1880
Org ID7bcd3220-6167-473f-8009-8ba3f353a796
Source ID4c5d4378-2ea3-4a3a-99f9-899508c3eeb0
Board ID4c5d4378-2ea3-4a3a-99f9-899508c3eeb0
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Provider Job Key633434
TitleConsumer Loan Officer
Normalized Title
Statusactive
Activeyes
Location TextMarlow, OK, US, Marlow, OK
Department
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Workplace Typeon_site
Remote Policy
CountryUnited States
RegionOK
CityMarlow
Salary Raw
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First Seen At2026-06-05 03:12:03Z
Last Seen At2026-06-06 13:27:32Z
Last Checked At2026-06-06 13:27:32Z
Last Changed At2026-06-06 13:27:32Z
Inactive At
Source Posted At2026-06-04 17:32:00Z
Source Updated At
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Event Fields
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Extensions
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    "requisitionDescription": "<div><div><div><link href=\"https://static.workforcenow.adp.com/mas/mdf-components/24.6.15/styles/froala_editor.pkgd.min.css\" rel=\"stylesheet\" type=\"text/css\">&nbsp;<link href=\"https://static.workforcenow.adp.com/mas/mdf-components/24.6.15/styles/froala_style.min.css\" rel=\"stylesheet\" type=\"text/css\"><div class=\"fr-view\"><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;' id=\"isPasted\"><strong><span style='font-size: 35px; color: rgb(0, 51, 102); font-family: garamond, \"times new roman\", serif;'>Consumer Loan Officer</span></strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;'><span style=\"font-family: garamond,'times new roman',serif;\"><strong><span style=\"font-size:35px;color:#003366;\">Marlow, OK</span></strong></span><span style='font-size: 15px; color: rgb(79, 129, 189); font-family: garamond, \"times new roman\", serif;'>&nbsp;&nbsp;</span><span style='font-size: 15px; font-family: garamond, \"times new roman\", serif;'>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;'><span style='font-size: 15px; font-family: garamond, \"times new roman\", serif;'>&nbsp;</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;'><span style='font-size: 15px; font-family: garamond, \"times new roman\", serif;'>&nbsp;</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;'><span style='font-size: 15px; font-family: garamond, \"times new roman\", serif;'><em>Onsite Position</em></span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;'><span style='font-size: 15px; font-family: garamond, \"times new roman\", serif;'><em>128 W. Main, Marlow 73055</em></span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;'><span style='font-size: 15px; font-family: garamond, \"times new roman\", serif;'><em>Full Time</em></span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;'><span style='font-size: 15px; font-family: garamond, \"times new roman\", serif;'>&nbsp;</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;' data-pasted=\"true\"><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong><span style=\"font-size:15px;\">ESSENTIAL DUTIES AND RESPONSIBILITIES</span></strong><span style=\"font-size:15px;\">&nbsp;include the following. Other duties may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Obtain and develop quality loan portfolio with annual performance goals while managing existing portfolio</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Promote BancFirst services through cross selling banking products to new and existing clientele</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Participation in various community and public events</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Consistent execution of policies and procedures</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Extraordinary customer service at all times</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style='font-size:15px;font-family:\"Arial Unicode MS\";'>Outside business development calls required</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Assist with other job related duties and special projects as requested&nbsp;</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong><span style=\"font-size:15px;\">REQUIREMENTS</span></strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:.25in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong>&nbsp;</strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Minimum 3 years experience as an underwriting Consumer Loan Officer</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Current working knowledge of Regulatory Compliance requirements including but not limited to RESPA, HMDA, and Fair Lending</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Knowledge of loan processing/collection software required</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Proficient in Microsoft Office and knowledge of, or the ability to quickly learn, banking software applications</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style='font-size:15px;font-family:\"Arial Unicode MS\";'>Obtain and develop Consumer/Real Estate loan portfolio</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style='font-size:15px;font-family:\"ProximaNova\",serif;color:black;'>Outstanding listening and communication skills, both written and verbal</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Work well under stress and deadlines while managing multiple tasks</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Excellent organizational skills</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Demonstrate an independent working attitude within a team framework</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong><span style=\"font-size:15px;\">PREFERRED SKILLS</span></strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong>&nbsp;</strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style='font-size:15px;font-family:\"ProximaNova\",serif;color:black;'>Degree preferred but not required</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong>&nbsp;</strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong><span style=\"font-size:15px;\">PHYSICAL REQUIREMENTS</span></strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong>&nbsp;</strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Constant use of computer screens and reading of reports</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Ability to operate a computer keyboard, multi-line telephone, photocopier, scanner and facsimile</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Regularly required to sit, use hand to finger, handle or feel, reach with hands and arms, and talk, see or hear&nbsp;</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:15px;\">Intermittently standing, stooping, bending at the waist, walking, kneeling or crouching to file materials</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:12.0pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-size:14px;\">Ability to lift and/or move and carry 5 pounds (cash canisters, coin boxes/bags)</span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><br></p><p style='margin:0in;font-size:15px;font-family:\"Calibri\",sans-serif;' data-pasted=\"true\"><br></p><p style='margin:0in;font-size:15px;font-family:\"Calibri\",sans-serif;background:white;'><strong><span style='font-size:15px;font-family:\"Garamond\",serif;color:green;background:white;'>Hometown service, statewide strength.</span></strong><span style='font-size:15px;font-family:\"Garamond\",serif;color:black;background:white;'>&nbsp;<strong>BancFirst</strong> is committed to investing in the future of Oklahoma communities. BancFirst is a $15 billion bank offering personal and commercial products, trust, insurance, and investment services in sixty Oklahoma communities. Employees enjoy excellent benefits and a learning environment that allows them to continuously improve their skills to deliver highly personalized service to customers.<br>&nbsp;EOE - BancFirst is an Equal Opportunity employer.</span></p><p style='margin:0in;font-size:15px;font-family:\"Calibri\",sans-serif;background:white;'><br></p><p style='margin:0in;font-size:15px;font-family:\"Calibri\",sans-serif;background:white;'><strong><em><span style='font-size:13px;font-family:\"Garamond\",serif;color:#262321;'>Diversity&hellip;Our differences enhance business performance.</span></em></strong></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><span style=\"font-family: garamond,'times new roman',serif;\"><strong><em><span style=\"font-size:15px;\">&nbsp;</span></em></strong></span></p><p style='margin-top:12.0pt;margin-right:0in;margin-bottom:.0001pt;margin-left:0in;font-size:16px;font-family:\"Times New Roman\",serif;margin:0in;text-align:justify;'><strong><em><span style='font-size: 15px; font-family: garamond, \"times new roman\", serif;'>&nbsp;</span></em></strong></p></div></div></div></div>\n",
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