9. Not a penny of FDIC-insured deposits lost.

10. Regulatory requirements have increased significantly Dodd-Frank Act - 2319 pages Gramm Leach Bliley Act 145 pages Sarbanes Oxley Act 61 pages Glass Steagall Act 37 pages

12. 44% of unemployed have been so for over six months.

14. 3.7 million mortgages were seriously delinquent or in foreclosure at the end of 2010.

15. Consumer Loan Demand Remains Low Recessions Source: Federal Reserve. *3-quarter moving average. Net Percentage of Banks Reporting Higher Demand*

16. Regulatory pressure reduces lending.

19. Failed Banks 1989: 531 2010 through Oct. : 139 Source: FDIC

20. Bank failure costs are declining $17.6B $0.1B $36.4B $22.1B

21. 2Q 2010: 11.25% Banks are much more stable Equity Capital to Assets

23. We’ve made it through tough times before.

24. Your community is our community.

25. Talk to us.

26. We are here to serve you.

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