J. Curtis Joyner

Memll Lynch - Mutual Funds:

ML Disciplined EQCL A — Int/Div

ML Global Allocation A — Int/Div

ML IntlValueFDCLA — Int/Div

MLLARGE CAP CORE — Int/Div

Merrill Lynch - Money Account:

ML Bank USA RASP — Int/Div

Citizens - IRA — Interest

Vanguard - Mutual Funds:

International Growth Inv. IRA — Int/Div

U.S. Growth Fund Inv. IRA — Int/Div

DNB Financial Com

Common Stock — Int/Div

DNBF

First Niagara Financial

Common Stock — Int/Div

FNFG

Spouse's income — 2010 — COMMONWEALTH OF PA - HIGHER EDUCATION

A. Section III, Subsection B, Line 2 has changed to DNB Financial Corp., also Section VIL Line 12 to DNB Financial Corp. Line 14 is also changed to DNBF.

This is the same asset, only the name has changed.

B. Section VII, Line 15 has changed due to an acquisition of Willow Grove Financial Bancorp in December, 2008 by Harleyville National Corporation which was

acquired by First Niagara Financial Corporation in April, 2010. Line 17 also has changed to FNFG.