Confidential. For internal use only.

Grow Smart Maine Summit 2012

Private Sector Capital for Public Good

Confidential. For internal use only.

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Confidential. For internal use only.

3

Confidential. For internal use only.

4

Confidential. For internal use only.

5

Confidential. For internal use only.

6

Confidential. For internal use only.

7

Confidential. For internal use only.

8

Confidential. For internal use only.

9

Confidential. For internal use only.

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Confidential. For internal use only.

The Community Reinvestment Act enacted by Congress in 1977 is intended to encourage financial

institutions to meet the credit needs of communities, including LMI

neighborhoods consistent with safe and sound banking practices.

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Confidential. For internal use only.

Compliance Obligationor

Business Opportunity?

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Confidential. For internal use only.

Business Objectives

Grow CRA lending, investment, and service Serve LMI populations and communities Leverage public sector programs Develop affordable housing Support local economic development Invest in community facilities Practice “ABCD”

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Confidential. For internal use only.

Target Market

Non-profits Community development corporations Public housing authorities Social service agencies Local government State agencies

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Confidential. For internal use only.

Doing Good is Good Business!

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Confidential. For internal use only.

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Public

PrivateNon-Profit

Confidential. For internal use only.

The Results 2009-2012 Lending

$225 Million - First time homeowner mortgage loans $900 Million - Total residential mortgage loans $450 Million - Small business loans

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Confidential. For internal use only.

2009-2012 Lending

$150 Million - Community Development loans : $20 Million - LIHTC projects $22 Million - NMTC projects $5 Million – Native American Reservation projects 330 Units of affordable housing

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Confidential. For internal use only.

2009-2012 Investments

$18.8 million new CRA investments $31.7 million total CRA investment balances

CRA Mortgage Backed Securities LIHTC Funds NMTC Equity Investments Qualified School Construction Bonds CRA Bond Funds Socially Responsible Venture Capital Funds

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Confidential. For internal use only.

PUBLIC DISCLOSURE

April 30, 2012

COMMUNITY REINVESTMENT ACT

PERFORMANCE EVALUATION

INSTITUTION RATING

INSTITUITION’S CRA RATING:

This institution is rated Outstanding.

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Confidential. For internal use only.

Success Stories:Maine businesses are succeeding and Maine

Communities are achieving sustainable prosperity with investments of private sector capital encouraged by public sector development

programs.

Historic Preservation Tax Credits

New Markets Tax Credits

Case Studies

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