Assumption Reference

Overview Lending Decisions Commercial & Industrial Construction Commercial Mortgage Residential Mortgage Home Equity Consumer Installment Consumer Credit Card

Funding Decisions Commercial Checking Individual Checking NOW Accounts Money Market Accts Small CDs (<$100K) Large CDs & Public Time Deposits

Financial Instruments Term Federal Funds Loan Participations Purchased Loan Participations Sold Brokered Deposits Securities Sold Under Repurchase Agreements FHLB Advances

Bank Capital & Reserves Allowance & Provision Common Stock & Dividends

Non-Interest Items Non-Interest Income Non-Interest Expense