Strictly Private and Confidential

In the past 18 months, SNL has released several new tools for our depository clients. As a result of these new features, almost 200 new depositories in 2012 have begun subscribing to SNL. There are now over 1,700 depository clients using the SNL product.

You can find many of these new features in the following pages – these include:

• Basel III template - estimate new capital ratios in less than 5 minutes • Deposit and loan rates at the branch level for 40+ products for all

depositories with $100MM+ in assets • UBPR peer analysis

• Valuation tools – estimate value of bank in minutes • Performance analysis • Demographic and branch analysis

Please call 866.296.3743 or email sales@snl.com to schedule a quick online demonstration.

This product will make you smarter, help you make better decisions, and save you time – please give us an opportunity to show you why.

John Montgomery, CFA, CPA Director of Financial Institutions Group jmontgomery@snl.com 434.951.7669

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Estimate your new Basel III capital and capital ratios in less than 5 minutes

Understand what your Common Equity Tier 1 Ratio will be and how it’s determined

Includes detailed notes explaining how the new rules will impact community banks

Basel III Capital

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Current and historical rate data for over 40 standard depository products and specials

Within the next several months, SNL will offer rate data for all depositories with $100 million or more in assets. Those subscribing to SNL receive comprehensive access to rates for all firms and markets – there is no need to pay by the firm or market

Rate data is available at the branch-level for each depository covered by SNL. In addition, SNL calculates average rates for all geographic markets on a daily basis

Deposit and Loan Rates

Standard Products for All Institutions with

with $100MM+ in Assets

Deposit Consumer MortgageRegular Savings - $1k New Car - 36 Month 1 Yr Arm

Liquid IRA Account - $10k New Car - 48 Month 3/1 Arm

Interest Checking - $5k New Car - 60 Month 5/1 Arm

Money market - $2.5k New Car - 72 Month 7/1 Arm

Money market - $10k Use Car - 36 Month 15 Yr Fixed

Money market- $25k Used Car - 48 Month 20 Yr Fixed

Money market - $50k Used Car - 60 Month 30 yr Fixed

Money market - $100k Used Car - 72 Month

Money market - $250k New RV - 60 Month

3 Mo CD - $10k New Boat - 60 Month

6 Mo CD - $10k Home Equity - LOC

1 Yr CD - $10k Home Equity - 5 Year

18 Mo CD - $10k Home Equity - 10 Year

2 Yr CD - $10k Home Equity - 15 Year

30 Mo CD - $10k Unsecured - 36 Month

3 Yr CD - $10k Credit Card Classic

4 Yr CD - $10k Credit Card Platinum

5 Yr CD - $10k Rewards Credit Card

In addition, SNL also covers 14 Jumbo Deposit products for all depositories with $1BN+ in assets

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Revolutionizes screening and peer comparison for depositories. Key features include:

Default peer logic that has been fully vetted by industry experts – logic is fully customizable and extremely robust

Innovative “comparability score” allows you to quickly compare the similarity of peers to the focus company

Pre-built library of standard industry reports; reports can quickly be customized

UBPR-like industry aggregates that can easily be added to your reports and customized

Peer Analytics

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Uniform Bank Performance Report template allows you to view a 5-period picture of the financial trends and operating results for a bank, alongside a preset group of peer banks. Peers are typically UBPR peer groups, or banks comparable in asset size, geography, or tax status

Using this template, you can easily identify key trends and analyze performance over time, as well as set appropriate goals for future performance

The template uses directional indicators to help you visualize an institution's areas of strengths and weakness against its peers. You can fully customize the percentage threshold to see where an institution is out- or under-performing its peers (i.e. choose any threshold: 10%, 25%, 80%, etc.)

UBPR Analysis

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Performance Analytics

Provides in-depth understanding of the factors driving ROAE for US banks and thrifts

Via a tree-like structure, ROAE is broken down into detailed components, such as yield on loans, cost of deposits, service charges on deposits, salary expense, provision for loan losses and several other metrics

Easily see how a firm is performing relative to its peer group as well as industry aggregates/indexes

Model “what-if” scenarios to see the hypothetical ROAE resulting from changes to performance drivers

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Bank Valuation – “What’s your Bank Worth?”

In less than 10 minutes, quickly estimate the value of your bank or a potential acquisition

Easily see how changes in assumptions, such as growth, yields, costs, and leverage change the value of a bank

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Fully Customizable Charts

Quickly create charts to show trends in financial metrics, visualize the components of a company’s loan portfolio, or compare multiple companies’ financial returns

Both time series and single period charts are available as well as the option to use a secondary axis

Show individual companies within a peer group as well as any pre-defined or custom aggregate

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Branch Analytics

Dynamic tool for analyzing branches, markets and demographics

Main features include:

Deposit Market Share Analysis – Create custom deposit market share reports highlighting deposit growth trends and market demographics. Quickly identify companies and markets with specific characteristics. Proximity-based market share allows you to identify the immediate competition surrounding a bank’s branch network or surrounding a prospective branch location

Transaction HHI Analysis – Calculate pro forma HHI for company or branch acquisitions. Includes a feature that allows you to determine the impact of divesting excess deposits to individual buyers

Market Overlap Analysis – Identify shared branch markets for several firms at once. Determine branch consolidation potential for M&A deals by generating a distance-based branch overlap report for the buyer and seller

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Demographics

Quickly analyze demographics and business composition at several market levels including State, MSA, County, City, Zip Code and Census Tract. Easily screen for markets that meet your criteria

For each market level, hundreds of demographic data points are available as well as business data related to the number of businesses, employees and LTM sales for 50+ business categories

Gain a better understanding for how markets are expected to change by using the historical, current and 5-year projected data points

Business classifications include:

Hotel and Accommodation Health Care & Social Assistance

Admin, Support & Waste Mgmt Svcs Home Improvement

Ag, Forestry, Fishing & Hunting Information

Arts, Entertainment & Recreation Insurance Carriers and Related

Automotive Repair & Maintenance Legal Services

Banks Manufacturing

Building Mat. & Supplies Dealers Mgmt of Companies & Enterprises

Central Bank and Credit Intermed. Mining

Clothing & Clothing Accessories Motor Vehicle & Parts Dealers

Communication Nonstore Retailers

Construction Professional, Scientific & Tech Serv.

Educational Services Public Administration

Electronics & Appliance Stores Real Estate, Rental & Leasing

Finance & Insurance Retail Trade

Food & Beverage Stores Securities and Other Investments

Food Services & Drinking Places Sport, Hobby, Book & Music Stores

Furniture & Home Furnishing Stores Transportation & Warehousing

Gasoline Stations Utilities

General Merchandise Stores Wholesale Trade

Health & Personal Care Stores

Demographic fields include:

Population Per Capita Income Population Age 0-14

Female Population Median Household Income Population Age 15-34

Male Population Average Household Income Population Age 35-54

Population Density (#/sq. mi.) Households with Income < $25K Population Age 55-69

Median Age Households with Income $25K-$49K Population Age 70+

Households Households with Income $50K-$99K

Family Households Households with Income $100K-$199K Caucasian Population

Households with Income $200K+ Black Population

Housing Units American Indian Population

Renter Occupied Housing Units Median Household Net Worth Asian Population

Vacant Housing Units Average Household Net Worth Pacific Islander Population

Owner Occupied Housing Units Households with Net Worth < $35K Other Race Population

Median Value of Own. Occ Hous. Units Households with Net Worth $35K-$74K Multiple Races Population

Average Value of Own. Occ Hous. Units Households with Net Worth $75K-$99K Hispanic Population

Owner Occ Housing Units < $100K Households with Net Worth $100K-$149K Population Diversity Index (%)

Owner Occ Housing Units $100K-$199K Households with Net Worth $150K-$249K

Owner Occ Housing Units $200K-$299K Households with Net Worth $250K-$499K Population with Educ Attainment

Owner Occ Housing Units $300K-$499K Households with Net Worth $500K+ Population with Educ < 9th Grade

Owner Occ Housing Units $500K-$749K Population with Some High School

Owner Occ Housing Units $750K-$999K Median Disposable Income Population with High School Diploma

Owner Occ Housing Units $1M+ Average Disposable Income Population with Some College

Households with Disp Income < $25K Population with Associate's Degree

Unemployment Rate (%) Households with Disp Income $25-49K Population with Bachelor's Degree

Unemployed Population 16+ Households with Disp Income $50-99K Population with Graduate Degree

Households with Disp Income $100-199K

Households with Disp Income $200K+

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Create branch maps with customizable colors, sizes, and shapes for branch locations

Visualize deposits and other attributes of branches by either colors or shapes

Show demographic variables

Add labels based upon branch attributes or add custom text

Mapping Tools

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Net Interest Margin Analysis Page

For any bank, quickly see how changes in volume and rates impacted the income/expense on various types of investments, loans, deposits, and borrowings

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CAMELS Indicators Page

Overview of the factors impacting the CAMELS score (i.e., Capital Adequacy, Asset Quality, Management, Earnings, Liquidity and Sensitivity)

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Asset Quality Pages

Overview of the asset quality details for any bank. View asset quality via a single period or over several periods

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Enforcement Actions

View all enforcements actions issued to depositories

Filter by general and specific enforcement action type as well as issue date, modification date, and termination date

See the actual enforcement action, if publicly available

View a complete listing of current and historical enforcement actions for an individual depository

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FDIC-Assisted Transactions

View detailed information on both the winning bid and losing bids for FDIC-assisted deals

Information on all parties bidding for failed institutions helps you better understand competition for future FDIC deals

Also see details on failed entity at the time of failure, how it was resolved, and other relevant data, such as loss share details