Asset Purchase and Account Assumption Agreement between Union State Bank and La Jolla Bank (May 25, 2000)

Contract Categories: Business Finance › Purchase Agreements
Summary

Union State Bank and La Jolla Bank entered into an agreement where Union State Bank will purchase certain assets and assume specific deposit accounts and related liabilities from La Jolla Bank's branch offices. The agreement details which assets and liabilities are included, the process for updating asset and liability lists, and conditions such as the execution of branch leases. Union State Bank will not assume unrelated liabilities, and the transaction is subject to regulatory and contractual conditions, with a defined closing date.

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EX-10.(OO) 2 0002.txt ASSET PURCHASE AND ACCOUNT ASSUMPTION AGREEMENT Exhibit 10(oo) ASSET PURCHASE AND ACCOUNT ASSUMPTION AGREEMENT AGREEMENT, dated as of May 25, 2000, by and between Union State Bank, a New York State Banking Association with its principal office located at 100 Dutch Hill Road, Orangeburg, New York 10962 ("Buyer"), and La Jolla Bank, a Federally Chartered Savings Association with its principal offices located at 6134 La Granada, Rancho Santa Fe, California 92067 ("Seller"). WITNESSETH: WHEREAS, Seller operates the branch offices listed in Exhibit A hereto (hereinafter referred to as the "Branch Offices"); WHEREAS, Seller desires to transfer and Buyer desires to acquire certain of the assets and assume the deposits and certain other liabilities of the Seller's Branch Offices, including, certain contractual rights associated with the Branch Offices, certain loans, all of the fixtures and personal property located at the Branch Offices and cash on hand at the Branch Offices; NOW THEREFORE, in consideration of the premises, the mutual promises and covenants hereinafter set forth, and other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, Seller and Buyer agree as follows: ARTICLE I DEFINITIONS For the purposes of this Agreement, the definitions in this Article I and elsewhere in this Agreement shall apply: (a) "Account Loans" shall have the meaning set forth in Article IV(b). (b) "Assets" shall have the meaning set forth in Article IV. (c) "Assumption Funds" shall have the meaning set forth in Article V(a). (d) "Branch Offices" means the branch offices of Seller listed on Exhibit A hereto. (e) "Closing Date" shall have the meaning set forth in Article VI(a). (f) "Cut-Off Date" shall have the meaning set forth in Article II(a). (g) "Environmental Laws" means all applicable federal, state and local laws and regulations and rules relating to pollution or discharge of hazardous substances into the environment. (h) "Leases" shall have the meaning set forth in Article III. (i) "Liabilities" shall have the meaning set forth in Article II(a). (j) "Operating Assets" shall have the meaning set forth in Article IV(b). (k) "Records" shall have the meaning set forth in Article VI(e). (l) "Regulatory Approvals" shall have the meaning set forth in X(a). (m) "Material Adverse Effect" shall have the meaning set forth in VII(c). ARTICLE II ASSUMPTION OF LIABILITIES Upon the terms and subject to the conditions hereinafter set forth, Seller agrees to assign, and Buyer agrees to assume liability on the Closing Date for: (a) All deposit accounts, of every kind and description, maintained at or for the Branch Offices as the same shall exist on the Closing Date, as defined in Article VI hereof, together with interest accrued thereon through the "Closing Date" ("Liabilities"). Said Liabilities total approximately $99.0 million as of April 30, 2000 and are more fully identified on Exhibit B and Exhibit B-1 hereto (Seller shall within five (5) days from the date of this Agreement provide a more detailed listing of the Liabilities as of April 30, 2000, to be assumed.) Exhibit B and Exhibit B-1 shall be updated as of a date agreed upon by the parties within ten (10) business days prior to the Closing Date (the "Cut-Off Date") and which updated Exhibit B shall be delivered by Seller to Buyer on the Closing Date. Exhibit B and Exhibit B-l shall be further updated as of the Closing Date and delivered by Seller to Buyer within fifteen (15) days after the Closing Date. In 2 connection with the assumption by Buyer of the Liabilities, Seller shall transfer and deliver to Buyer as of the Closing Date the originals of all records, documents and information relating to the Liabilities, including such as shall be necessary to enable Buyer to comply with any applicable tax withholding requirements relating to the Liabilities. (b) Contractual obligations assumable by Buyer without penalty and related to the operation of the Branch Offices and any other obligations assumed by Buyer associated with the Assets, as defined below, and which are described on Exhibit C hereto. Exhibit C shall also include any other agreements not otherwise assumed affecting the occupancy of the Branch Offices or which restrict the use of the Branch Offices. Seller shall, within five business (5) days from the date of this Agreement, provide copies of the Contracts identified on Exhibit C. Exhibit C shall be further updated as of the Closing Date and delivered by Seller to Buyer at Closing. (c) Except for the liabilities specifically assumed as set forth in Section 11(a) and (b) of this Agreement, Buyer is not assuming any other liabilities or obligations, whether or not the same is in any way involved, either directly or indirectly, with the operation by Seller of its business or to which Seller may have become a party or liable by reason of its business. Liabilities not assumed include, but are not limited to, the following: (i) Excluded Deposits (as described in Exhibit B); (ii) Seller's cashier checks, money orders, interest checks and expense checks issued prior to the Closing Date, consignments of U.S. Government bonds, if any, and any and all traveler's checks; (iii) liabilities or obligations of Seller with respect to any litigation, suits, claims, demands or governmental proceedings existing at the time of or arising out of or relating to acts, events or omissions to act that occurred at or prior to the Closing Date; (iv) liabilities of Seller for or under any data processing contracts; and (v) other equipment leases not assumed by Buyer. 3 ARTICLE III BRANCH LEASES The consummation of the transactions contemplated by this Agreement is expressly conditioned upon the execution and delivery, on the Closing Date, of leases for the Branch Offices in the form set forth at Exhibit H (the "Leases") and the compliance with all conditions precedent set forth in said Leases. ARTICLE IV PURCHASE OF ASSETS On the Closing Date, Buyer shall purchase, acquire and accept, and Seller shall sell, transfer, convey, assign and deliver to Buyer all of the right, title and interest of Seller, free and clear of all liabilities, obligations which are associated with account loans, liens and encumbrances, with the exception of those liabilities and obligations described on Exhibit C hereto, upon the terms and subject to the conditions hereinafter set forth, in the following assets (the "Assets"): (a) The personal property, office equipment and fixtures and improvements located in and being on the premises of the Branch Offices and which are described on Exhibit D hereto ("Operating Assets"). Seller shall, within five business (5) days from the date of this Agreement, provide a detailed list of the Operating Assets. Exhibit D shall be further updated as of the Closing Date and delivered by Seller to Buyer on the Closing Date. The purchase price of the Operating Assets described on Exhibit D shall be $150,000.00. It is understood and agreed that the Operating Assets do not include the artwork presently located in the New York City Branch. (b) All loans and lines of credit secured by or associated with the Liabilities maintained at or for the Branch Offices and which are identified on Exhibit E hereto together with accrued interest thereon ("Account Loans"), which Exhibit shall be updated as of the Cut-Off Date and such updated Exhibit shall be delivered by Seller to Buyer on the Closing Date, and shall be further updated as of the Closing Date and delivered by Seller to Buyer, within fifteen (15) days after the 4 Closing Date. Buyer reserves the right to examine the credit file and credit reports related to the Account Loans and, upon notice to Seller prior to the Closing Date, to delete such Account Loans as do not meet Buyer's reasonable credit criteria. The purchase price for the Account Loans shall be an amount equal to the outstanding principal balance for such Account Loans on the Closing Date plus accrued interest through the Closing Date. ARTICLE V PAYMENT FOR ASSETS AND ASSUMPTION OF LIABILITIES (a) On the Closing Date, Seller shall pay to Buyer by wire transfer an amount equal to: (1) the amount of the Liabilities assumed, plus the net amount of any pro rata items owed by Seller to Buyer under Article V(c) below, if any, less (2) the sum of (i) the amount of the purchase price of the Operating Assets and the Account Loans determined in accordance with Article IV, (ii) the amount of any cash on hand at the Branch Offices to be transferred to Buyer on the Closing Date, (iii) the net amount of any prorated items owed by Buyer to Seller under Article V(c) below, (iv) a premium equal to six and 80/100 (6.80%) percent of the Liabilities as of the Closing Date and (v) the amount of all security or other deposits paid by Seller in connection with any contractual obligations, as set forth in Exhibit C hereto, and assumed by Buyer on the Closing Date (the funds being transferred from Seller to Buyer are hereinafter referred to as the "Assumption Funds"). The amount of Assumption Funds to be paid on the Closing Date shall be based upon the respective balances of the Liabilities and Assets on the Cut-Off Date, provided that the amount of the Assumption Funds shall be subsequently adjusted pursuant to paragraph (d) below. 5 (b) Notwithstanding the provisions of Paragraph (a) above, in the event the amount of the Liabilities is less than $80.0 million as of the Closing Date, Buyer shall have the right but not the obligation to terminate this Agreement without any further liabilities or obligations to perform hereunder. In the event that the Liabilities are in excess of $105.0 million, Buyer's obligations hereunder shall remain in effect, however, there shall be no premium paid on any amount of Liabilities which exceed $105.0 million. (c) Federal deposit insurance premiums, insurance premiums, taxes withheld, collected from or payable on behalf of employees; and other amounts both payable and/or receivable and equipment, alarm, and other service agreement costs with respect to the Branch Offices' premises, including accrued interest, if any, shall be prorated as of the Closing Date and reflected on the Closing Statement as set forth below. Any items susceptible of being prorated but which cannot be prorated by the Closing Date shall be prorated as soon as the requisite information is available and shall be paid promptly thereafter by the appropriate party to the other party. (d) The actual Assumption Funds will be calculated based upon the respective balances of the Liabilities and Assets as of the Closing Date, as soon as the requisite information is available. An amount equal to the difference between the Assumption Funds transferred on the Closing Date and the amount of Assumption Funds determined to be actually due from Seller to Buyer (the "Post-Closing Adjustments") shall be transferred, together with interest accrued thereon at the Federal Funds rate, which shall be determined by the average of the high and low rates quoted for overnight Federal Funds in the "Money Rates" column of the Wall Street Journal on the Closing Date, to Seller from Buyer or to Buyer from Seller, as the case may be. The Post-Closing Adjustments shall be calculated and paid at a mutually agreed upon time and place within twenty (20) days after the Closing Date. 6 (e) An appropriate adjustment to the amount of Assumption Funds shall be made in the event that a good faith error in calculating the amount of the Liabilities or Assets is discovered within ninety (90) days after the Post-Closing Adjustments referred to in paragraph V(d) above. ARTICLE VI CLOSING AND TRANSITIONAL MATTERS (a) The closing of the transactions contemplated by this Agreement shall take place on a Friday within 30 days following the date on which all of the regulatory approvals referred to in Article X(a) of this Agreement shall have been obtained, all applicable waiting periods have expired or on such other date as shall be mutually agreed to by the parties hereto (the "Closing Date"). (b) The closing shall take place at the offices of Buyer at 10:00 a.m., Eastern Time, on the date set forth above or at such other time and place as shall be mutually agreed to by the parties hereto. Seller and Buyer agree to diligently and in good faith take all actions prescribed by this Agreement to effect consummation of the transactions contemplated by this Agreement by on or before August 25, 2000 (the "target date"). The closing of this transaction by the "target date" shall not, however, be binding nor enforceable by either Seller or Buyer. The provisions of this Agreement relating to the closing date shall, in all events, be applicable. (c) The amount of the Assets and Liabilities to be transferred pursuant to this Agreement shall be determined as of the Closing Date, and the assumption of the Liabilities and the transfer of the Assets shall be deemed to take place immediately upon the close of business on the Closing Date. (d) Calculation of the payment for Assets and assumption of Liabilities shall be set forth on a Closing Statement. Seller shall afford Buyer and its accountants and attorneys the opportunity to review all work papers and documents used by Seller in preparing the Closing Statement. 7 (e) On the Closing Date, Seller shall transfer, assign and deliver to Buyer such of the following records (the "Records") pertaining to the Liabilities as exist in whatever form or medium such records are maintained by Seller on the Closing Date: (i) signature cards, orders and contracts between Seller and depositors, and records of similar character, (ii) deposit slips and cancelled checks or withdrawal orders representing charges to depositors, (iii) individual retirement account ("IRA") and Keogh documents and authorization for IRA and Keogh customers, (iv) special customer authorizations, including stop payments, other account holds, wire transfer instructions and automatic transfers, (v) organization and business account resolutions and authorizations, (vi) passbook loan contracts, collateral, and related documents, (vii) overdraft line of credit contracts and related documents, (viii) copies of tax identification numbers, copies of ACH origination forms and records and such other records as may be reasonably requested by Buyer. Seller shall be entitled to retain copies of Records. Buyer acknowledges and agrees that it will preserve and safely keep, for as long as may be required by applicable law, all of the records of account referred to above for the joint benefit of Seller and Buyer, and that, with respect to transactions occurring on or before the Closing Date and involving the Liabilities, it will provide to Seller or its designated representatives, upon request, at any reasonable time and from time to time, information concerning the records of account and/or extracts therefrom or copies thereof. Seller and Buyer each acknowledge and agree that they shall provide to the Internal Revenue Service (IRS), to the extent required by law, Form 1099's with respect to each accountholder in respect of the Liabilities for the periods during which Seller and Buyer respectively administer such Liabilities. At all times each party shall preserve and maintain the confidentiality of all such records of account and other depositor or customer information in accordance with customary banking practice and all applicable federal and state laws, rules and regulations. 8 (f) In order to reduce the continuing charges to Seller through the check clearing system of the banking industry which will result from check forms of Seller being used after the Closing Date by depositors or holders of the Liabilities, Seller shall, not less than thirty (30) days prior to the Closing Date, provide notice to depositors or holders of Liabilities by letter in a form reasonably acceptable to Buyer and in compliance with applicable law and regulations, notifying the depositor or holder of Liabilities of the pending transfer of his or her account pursuant to this Agreement. Buyer, provided that Seller has provided Buyer with customer deposit information in a readable format, at its cost and expense, on or immediately after the Closing Date, shall prepare and mail, and Seller shall cooperate with Buyer in connection therewith, to each depositor or other holder of a Liability, as appropriate, (i) a letter prepared by Buyer and reasonably acceptable to Seller notifying each such depositor or holder of the transfer of his or her account pursuant to this Agreement and requesting where appropriate that effective on a future date at some reasonable time after the Closing Date such depositor or holder cease writing checks, drafts and withdrawal orders on forms provided by Seller and carrying its imprint (including name and transit routing number) against any such account, and that such depositor or holder destroy unused checks and withdrawal orders of Seller, and (ii) as appropriate, signature cards and checks and withdrawal order forms of Buyer with instructions to utilize the checks or withdrawal orders of Buyer from the designated date forward. (g) On or before the Closing Date, Seller and Buyer shall cooperate and shall take all such action as is necessary to arrange for the direct routing to Buyer through the check clearing system of the banking industry, effective immediately after the Closing Date, of all checks, drafts and withdrawal orders on forms provided by Seller and carrying its imprint (including name and transit routing number) and relating to the Liabilities. In the event that after the Closing Date, Seller shall receive any such checks, drafts or withdrawal orders through the check clearing system of the banking industry, Seller shall immediately forward to Buyer or Buyer's agent, at the cost and 9 expense of Buyer, by courier service, overnight delivery service, or such other means as Buyer shall reasonably request, all such checks, drafts, and withdrawal orders for processing by Buyer. (h) Following the Closing Date, Buyer agrees to pay in accordance with law and customary banking practices all properly drawn checks, drafts and withdrawal orders presented to Buyer by mail, over the counter, through the check clearing system of the banking industry, and/or in the manner set forth below, by depositors or holders of the Liabilities, whether drawn on the checks, drafts or withdrawal order forms provided by Seller or by Buyer, and in all other respects, to discharge after the Closing Date, in the usual course of the banking business, all duties and obligations with respect to the balances due and owing to the depositors or holders of the Liabilities. (i) If any such depositors or holders, instead of accepting the obligation of Buyer to pay the Liabilities assumed by Buyer pursuant to this Agreement, shall demand payment from Seller for all or any part of such assumed Liabilities, Seller shall refer all such depositors or holders to Buyer in the manner and with such instructions, if any, as shall be hereafter established by Seller and Buyer, and Buyer shall thereupon be responsible for making such payment (if still demanded) to such depositor or holder. If any of such depositors or holders after the Closing Date shall present to Seller, whether in person by mail, or otherwise, a check, draft or withdrawal order drawn against any of the Liabilities, Seller shall refer such depositor or holder, or deliver such check, draft or withdrawal order, to Buyer as set forth above. Buyer shall pay all such properly drawn checks, drafts and withdrawal orders as set forth above and shall promptly reimburse Seller for all expenses paid and charges incurred, if any, by Seller with respect to all such properly drawn checks, drafts and withdrawal orders. (j) Seller shall provide all information and take all steps required to be taken by it that are reasonably necessary for Buyer to effect the transfer of any direct deposit arrangement affecting any of the Liabilities and shall promptly pay to Buyer any funds received by Seller which are 10 intended to be credited to any such Liability. Buyer shall complete all actions necessary to effect the transfer of such direct deposit arrangements within 60 days of the Closing Date. Seller shall have the right to return to the payor any direct deposit item received by it subsequent to 60 days after the Closing Date, or such other time period as Buyer and Seller may mutually agree upon. (k) Seller shall cooperate and use commercially reasonable efforts to assist in the transfer to Buyer of the Liabilities, Account Loans, and Operating Assets, and shall take all actions necessary to accomplish such transfer, including but not limited to the provision of any required notices to customers in respect of the Liabilities and the Account Loans. Seller shall supply Buyer with such information and records in its possession and control relating to the Liabilities and the Account Loans as Buyer may reasonably request, including, but not limited to, periodic portfolio reports and computer tapes setting forth current account information in machine-readable format and any information required for inclusion in all applications to regulatory authorities necessary to consummate the transactions contemplated by this Agreement. Further, Seller shall assist to facilitate a smooth transfer of information from Seller's processing system to Buyer's processing system. (l) Prior to the Closing Date, Buyer shall designate a successor trustee or custodian, which may be Buyer ("Successor Trustee/Custodian"), as to any IRA or Keogh plan account constituting a Liability and the parties will cooperate with the Successor Trustee/Custodian. Seller will transfer the trusteeship/custody of all such IRA and Keogh plan accounts to the Successor Trustee/Custodian on the Closing Date, subject to the Successor Trustee's/Custodian's written acceptance of its duties as Successor Trustee/Custodian in form and substance acceptable to Seller. Seller shall be responsible for all federal, state and local income tax reporting for such IRAs and Keogh plan accounts for the period of time ending on the Closing Date and the Successor Trustee/Custodian shall be responsible for such reporting thereafter. 11 (m) Holds or stop payment orders that have been placed by Seller on particular Liabilities or on individual checks, drafts or other instruments shall be continued by Buyer under the same terms. Seller shall deliver to Buyer on the Closing Date a schedule of such holds or stop payment orders. ARTICLE VII REPRESENTATIONS AND WARRANTIES OF SELLER Seller represents and warrants to Buyer that: (a) Seller is a savings association duly organized and validly existing under the laws of the United States; has the corporate power and authority to own and operate its properties and to conduct its business as a savings association in the manner in which it is presently being conducted; and has the corporate power and authority to execute and deliver this Agreement and to carry out all of the transactions contemplated by this Agreement. (b) The execution and delivery of this Agreement and each of the documents and instruments contemplated hereby have been duly authorized by all necessary corporate action to be taken on the part of Seller; and upon execution and delivery, this Agreement and each of such other documents and instruments will be valid and binding obligations of Seller, enforceable in accordance with its terms, subject to bankruptcy, insolvency, reorganization, receivership, conservatorship, moratorium, fraudulent conveyance, fraudulent transfer or other similar laws relating to or affecting the enforcement of creditors' rights generally, laws affecting the rights of creditors of financial institutions the deposits of which are insured by the Federal Deposit Insurance Corporation (FDIC) and to general principles of equity, whether considered in a proceeding at law or in equity. (c) The execution and delivery of this Agreement and of the other instruments and documents contemplated hereby do not and will not conflict with, violate, breach or cause a default under the (i) Charter or Bylaws of Seller, (ii) any material agreement or other instrument to which 12 Seller is a party or by which it is bound, or (iii) any order, judgment, injunction, decree or award of any court, arbitrator, government or governmental agency by which Seller is bound; or (iv) any law, ordinance, rule or regulation of any governmental authority as such laws, ordinances, rules or regulations related to the conduct of Seller's business, except in the case of clauses (ii), (iii) and (iv) above, for any conflict, violation, breach or default that, individually or in the aggregate, would not have a Material Adverse Effect. For purposes of this Agreement, "Material Adverse Effect" shall mean: A substantial change in the business presently conducted by Seller or its ability to conduct such business at the Branch Offices in substantially the same manner as presently conducted as of the date of the Agreement. (d) The deposit accounts of Seller are insured by the FDIC to applicable limits and no action is pending or, to the knowledge of Seller, threatened with respect to the termination of such insurance. (e) Seller has good and marketable title to the Operating Assets free and clear of all liens, claims, charges, security interests and encumbrances. (f) All Operating Assets to be conveyed or assigned by Seller are conveyed or assigned "as-is" and without further representation or warranty other than that all such Operating Assets are appropriate for the purposes intended and Seller agrees to maintain the Operating Assets through the Closing Date, ordinary wear and tear excepted. (g) Seller has all approvals, authorizations, consents, permits, licenses and orders of the Office of Thrift Supervision ("OTS") required for the business conducted by Seller at the Branch Offices. Other than compliance with 12 C.F.R. ss. 563.22, no notices, reports or other filings are required to be made by Seller with, nor are any consents, registrations, approvals, permits or authorizations required to be obtained by Seller from any governmental or regulatory authorities of the United States or any state in connection with the execution and delivery of this Agreement by Seller or the consummation of the transactions contemplated hereby by Seller. 13 (h) There are no action, proceedings or, to the knowledge of Seller, investigations pending or threatened against or affecting Seller (or any basis therefor known to Seller) which, if decided adversely, would have a Material Adverse Effect or would have the effect of enjoining or impairing the ability of Seller to consummate the transactions contemplated by this Agreement. (i) Seller has not retained or otherwise engaged any third party agent or broker, or agreed to pay any fee or commission to any such person or entity in connection with or with respect to the transactions contemplated by this Agreement. (j) Each Account Loan is a legal, valid and binding obligation of the borrower, secured by the related Liability in accordance with Seller's underwriting standards as disclosed to Buyer, has been originated and serviced in accordance with all applicable laws, regulations and orders, and is authorized under applicable laws, regulations and orders to be transferred by Seller to Buyer hereunder, and Seller is not subject to any liability for violations of any applicable law, regulation or order with respect to any such Account Loan arising out of actions or events occurring prior to the Closing Date or the transfers contemplated hereby. Seller is the sole owner of each Account Loan free and clear of all liens, claims, security interests, charges and encumbrances and has the exclusive right to transfer each Account Loan to Buyer. ARTICLE VIII REPRESENTATIONS AND WARRANTIES OF BUYER Buyer represents and warrants to Seller that: (a) Buyer is a New York State Banking Association duly organized and validly existing under the laws of the State of New York; it has the corporate power and authority to own and operate its properties and to conduct its business as a bank in the manner in which it is presently being conducted, and it has the corporate power and authority to execute and deliver this Agreement and to carry out all of the transactions contemplated by this Agreement. 14 (b) The execution and delivery of this Agreement and each of the documents and instruments contemplated hereby have been duly authorized by all necessary corporate action to be taken on the part of Buyer; and, upon execution and delivery, this Agreement and each of such other documents and instruments will be valid and binding obligations of Buyer, subject to bankruptcy, insolvency, reorganization, moratorium, fraudulent conveyances, fraudulent transfers or other similar laws relating to or affecting the enforcement of creditors' rights generally, laws affecting the rights of creditors of financial institutions the deposits of which are insured by the Federal Deposit Insurance Corporation (FDIC) and to general principles of equity, whether considered in a proceeding at law or in equity. (c) The execution and delivery of this Agreement and of the other instruments and documents contemplated hereby do not and will not conflict with, violate, breach or cause a default under the Charter or Bylaws of Buyer, or any agreement or other instrument to which Buyer is a party or by which it is bound, or any order, judgment, injunction, decree or award of any court, arbitrator, government or governmental agency by which Buyer is bound; or result in the creation of any lien, charge or encumbrance upon the assets of Buyer or any part thereof; or constitute a violation by Buyer of any law, ordinance, rule or regulation of any governmental authority as such laws, ordinances, rules or regulations relate to Buyer or the conduct of its business. (d) The deposit accounts of Buyer are insured by the FDIC to applicable limits and no action is pending or, to the knowledge of Buyer, threatened with respect to the termination of such insurance. (e) Buyer has not retained or otherwise engaged any third-party agent or broker or finder or agreed to pay any fee or commission to any such person or entity in connection with or with respect to the transactions contemplated by for or on account of this Agreement. (f) Other than as required by Bank Merger Act, the FDIC, the New York State Banking Department and the Connecticut Banking Department, no notices, reports or other filings must be made by Buyer with, nor are any consents, registrations, approvals, permits or authorizations 15 required to be obtained by Buyer from any governmental or regulatory authorities of the United States or any state in connection with the execution and delivery of this Agreement by Buyer or the consummation of the transactions contemplated hereby by Buyer. Buyer has not received any indication from any federal, state or other governmental agency that such agency would oppose or refuse to grant or issue its consent or approval, if required, with respect to the transactions contemplated hereby. ARTICLE IX COVENANTS (a) Upon the execution of this Agreement, Seller shall provide Buyer, its agents, attorneys, accountants and employees access during normal business hours to the premises and records of the Branch Offices in order to conduct such additional investigation of the business of the Branch Offices and the Assets and Liabilities, to be transferred pursuant to this Agreement, and to the collateral and documents related thereto, that Buyer deems necessary or appropriate, provided that such inspection shall not disrupt or unduly interfere with the conduct of Seller's business. Seller will furnish to Buyer copies of such documents and information with respect to the Assets and Liabilities, and the business, properties and personnel of the Branch Offices as Buyer shall from time to time reasonably request. The foregoing shall be coordinated by senior personnel of Seller and Buyer. (b) Between the date hereof and the Closing Date, Seller shall not engage in any transaction related to the Branch Offices except in the ordinary course of business as heretofore conducted, nor shall Seller take any action which would materially impair Buyer's right hereunder to, or the value of, the Assets and Liabilities to be acquired and assumed hereunder and Seller will exercise commercially reasonable efforts to maintain existing customers. (c) From the date hereof until the Closing Date, Seller will use commercially reasonable efforts to obtain and retain deposit accounts and to maintain all other customer and business 16 relations at the Branch Offices in the ordinary course consistent with past practices and shall use commercially reasonable efforts to preserve its business operation as conducted, and to preserve for the Buyer the good will of its customers; exercise reasonable efforts to cooperate with and assist Buyer in assuring the orderly transition of such business from Seller to Buyer (d) With Seller's cooperation as provided herein, Buyer shall promptly file with the New York State Banking Department and the FDIC, and any other regulatory agency all applications or notices necessary for the carrying out of the transactions contemplated by this Agreement, shall publish or distribute such notices as may be required under the Bank Merger Act or otherwise and shall exercise its best efforts to obtain approvals of such applications. (e) Buyer agrees that after the Closing Date the name of Seller shall not be used in any manner in connection with the operation of the Branch Offices without the express, prior written consent of Seller. Buyer shall not state or imply that Seller is in any way involved as a partner, joint venturer or otherwise in the business of Buyer. (f) Neither Seller nor Buyer shall voluntarily undertake any course of action inconsistent with the satisfaction of the requirements applicable to it in this Agreement, and each shall promptly do all such acts and take all such measures as may be appropriate to enable it to perform as early as practicable the obligations herein provided to be performed by it and to cause all the conditions precedent to consummation to be satisfied. (g) Seller shall pay and discharge all taxes, general and special assessments, rents, utilities and other charges of every description which may be levied on or assessed against the Operating Assets and which are payable before the Closing Date and shall not sell, lease or encumber the Operating Assets. In addition, Seller shall maintain insurance with respect to the Operating Assets and the Branch Offices against losses, liabilities and risks of such types and in such amounts at least equal to their respective net book values or such greater amounts as are customarily carried by depository institutions, for the period prior to the Closing Date. 17 (h) Seller shall keep, or cause to be kept, in good repair the Operating Assets (i) Seller, on the one hand, and Buyer on the other shall from time to time, as promptly as possible, give or cause to be given to each other written notice of any information that may become known to it indicating that it may be impossible to satisfy all conditions precedent to Closing hereunder or which, if known on or before the date of this Agreement, would have been subject to disclosure or render any representation herein inaccurate. (j) Until the earlier of the Closing Date or termination of this Agreement, Seller shall not actively solicit any agreement, negotiation or discussion or enter into any agreement, negotiation or discussion with any party other than Buyer regarding the sale, assignment, transfer or other disposition of the Assets or the assumption of the Liabilities. (k) In the event that the transactions contemplated hereby are not consummated for any reason, Buyer agrees that it will return, or cause to be returned, to Seller all information obtained in connection with this transaction and will not, except as otherwise required by law, disclose or use such information in the conduct of Buyer's business. (l) Buyer may offer employment to Seller's employees at such employee's current base salary, and is not assuming, nor shall it have responsibility whatsoever for the continuation of or any liability under or in connection with (i) any employment contract, collective bargaining agreement, plan or arrangement providing for insurance coverage or for deferred compensation, bonuses, stock options or other forms or incentive compensation or post-retirement compensation or benefits which are entered into or maintained, as the case may be, by Seller; (ii) any "employee benefit plan" as defined in Section 3(3) of ERISA which is subject to any provision of ERISA and is maintained, administered or contributed to by Seller or any affiliate of Seller; (iii) any withholding or payroll taxes or penalty related thereto; (iv) any employee benefits; or (v) any other employment-related obligation arising as a result of actions by Seller or any affiliate thereof, whether prior to or subsequent to the Closing Date. This Agreement is not intended to create and 18 shall not create any contractual or legal rights in or enforceable by any employee of Seller. Buyer agrees to obtain prior approval of Seller before sending any communications to any employee thereof concerning the subject matter of this Section, which approval shall not be unreasonably withheld. This Article IX(1) of this Agreement may be amended or terminated without liability to any employee of Seller. ARTICLE X CONDITIONS PRECEDENT TO THE OBLIGATIONS OF BUYER The obligations of Buyer to carry out the transactions contemplated by this Agreement are subject to the fulfillment (or waiver in writing by Buyer), on or prior to the Closing Date, of each of the following conditions: (a) Buyer and Seller shall have received all applicable and required governmental and regulatory approvals, including, but not limited to, that of the New York State Banking Department, FDIC and Federal Trade Commission or Department of Justice, as applicable, with respect to the transactions contemplated by this Agreement, all applicable waiting periods relating thereto shall have expired and Buyer and Seller shall have complied fully with all conditions of such approvals which can be complied with at or prior to the Closing Date (all such approvals and the expiration of such waiting periods, hereinafter the "Regulatory Approvals"). (b) In all material respects, the representations and warranties of Seller shall be true and correct on the Closing Date and Seller shall not have breached any of its covenants under this Agreement and shall have complied in all material respects with all of its obligations under this Agreement. The Chief Executive Officer and the Chief Financial Officer of Seller shall deliver a certificate on the Closing Date to such effect. (c) Buyer shall have received a duly executed Bill of Sale and Assignment of Assets of Seller conveying the Assets in substantially the form set forth in Exhibit G hereto. 19 (d) Seller shall have executed the Assignment and Assumption Agreement in substantially the form set forth in Exhibit H hereto. (e) Seller shall have delivered to Buyer Exhibits B, C, D and E certified by an officer of Seller as complete and correct, listing the Liabilities, Contractual Obligations, Operating Assets and Account Loans, as of the dates specified in Article I. (f) Buyer shall have received on the Closing Date fully executed original Leases for the Branch Offices in the form annexed and as set forth in Exhibit H. (g) Buyer shall have received the opinion of counsel for Seller in satisfactory form substantially as set forth in Exhibit I hereto. (h) No court or governmental or regulatory authority of competent jurisdiction shall have enacted, issued, promulgated, enforced or entered any statute, rule, regulation, judgment, decree, injunction or other order (whether temporary, preliminary or permanent) which is in effect and prohibits consummation of any of the transactions contemplated by the Agreement. (i) Between the date hereof and the Closing Date, there shall have been no material damage to or destruction or condemnation of the Branch Offices. (j) Between the date hereof and the Closing Date, there shall have occurred no Material Adverse Effect in the operations or business of the Branch Offices other than any such change which is a result of changes in general economic conditions which affect the banking industry as a whole. (k) On or prior to the Closing Date, to the extent in Seller's possession, Seller shall deliver to Buyer the Records, and other files, documents, papers, and records as shall be reasonably necessary to conduct a banking business at the Branch Offices and to administer the Assets and the Liabilities or as Buyer shall reasonably request. (l) Buyer shall have received a certificate from Seller, signed by a duly authorized officer thereof, stating that all conditions set forth in this Article X have been fulfilled. 20 ARTICLE XI CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE SELLER The obligations of the Seller to carry out the transactions contemplated by this Agreement are subject to the fulfillment (or waiver in writing by Seller) on or prior to the Closing Date, of each of the following conditions: (a) Seller and Buyer shall have received all Regulatory Approvals and Seller and Buyer shall have complied fully with all reasonable conditions of such approvals which can be complied with, at, or prior to, the Closing Date. (b) The representations and warranties of Buyer shall be true and correct in all material respects on the Closing Date and Buyer shall not have breached any of its covenants under this Agreement and shall have complied in all material respects with all of its obligations under this Agreement. The Chief Executive Officer and Chief Financial Officer of Buyer shall deliver a certificate on the Closing Date to such effect. (c) No court or governmental or regulatory authority of competent jurisdiction shall have enacted, issued, promulgated, enforced or entered any statute, rule, regulation, judgment, decree, injunction or other order (whether temporary, preliminary or permanent) which is in effect and prohibits consummation of any of the transactions contemplated by the Agreement. (d) Buyer shall have executed the Assignment and Assumption Agreement in substantially the form set forth in Exhibit G hereto. (e) Seller shall have received the opinion of counsel for Buyer in satisfactory form substantially as set forth in Exhibit J hereto. (f) Seller shall have received a certificate signed by a duly authorized officer of Buyer stating that all conditions set forth in this Article XI have been fulfilled. 21 ARTICLE XII INDEMNITY (a) Seller agrees to indemnify and hold Buyer harmless for a period of two (2) years following the Closing Date against any and all losses, liabilities, expenses, claims or damages, including reasonable attorneys' fees and expenses, resulting from any third party claim based upon (i) any material breach of Seller's representations and warranties contained in Article VII, (ii) any material breach or failure to perform any agreement or covenant required of Seller pursuant to this Agreement, (iii) actions or omissions by Seller on or before the Closing Date with respect to the Liabilities, employee-related matters and the Branch Offices, and (iv) any material breach or failure by Seller to perform any agreement or covenant required of Seller pursuant to the contracts set forth on Exhibit C to this Agreement. (b) Buyer agrees to indemnify and hold Seller harmless for a period of two (2) years following the Closing Date against any and all liabilities, expenses, claims or damages, including reasonable attorneys' fees and expenses, resulting from any third party claim based upon (i) any material breach of Buyer's representations and warranties contained in Article VIII, (ii) any material breach or failure to perform any agreement or covenant required of Buyer pursuant to this Agreement, and (iii) actions or omissions by Buyer after the Closing Date with respect to the Liabilities, employee-related matters and the Branch Offices. (c) Any party claiming indemnification hereunder (the "Indemnified Party") shall give the other party (the "Indemnifying Party") prompt written notice of any claim which may give rise to indemnification hereunder; provided, however, that any failure promptly to give such notice shall not affect the Indemnified Party's rights hereunder except to the extent that such failure shall adversely affect the Indemnifying Party or its rights hereunder. The Indemnified Party shall afford the Indemnifying Party the opportunity, at its sole cost and expense, to defend against such claims 22 for liability. In any such action or proceeding, the Indemnified Party shall have the right to retain its own counsel, but the fees and expenses of such counsel shall be at its own expense unless (i) both parties mutually agree to the retention of such counsel or (ii) the named parties to any such suit, action or proceeding (including any impleaded parties) include both Buyer and Seller, and in the reasonable judgment of counsel to the Indemnified Party, representation of both parties by the same counsel would be inadvisable due to actual conflicts of interest between them. ARTICLE XIII FURTHER ASSURANCES Each party will execute and deliver all additional documents or instruments reasonably requested by the other party to further evidence or assure the sales, transfers and assignments contemplated by this Agreement or to be used in any application or notice to be filed with applicable regulatory authorities. In the event of any dispute between either party and a holder of a liability or loan assumed or purchased by Buyer under this Agreement, each party shall cooperate with and make its records available to the other to the extent reasonably requested. ARTICLE XIV CONDUCT OF BUSINESS AFTER CLOSING (a) As of the Closing Date, all of the Liabilities described on Exhibit B and as set forth on the Closing Statement shall become the accounts of Buyer of the same amount, terms, rate and maturity. All other Deposit Accounts of Seller shall remain accounts of Seller. (b) After the execution of this Agreement, Seller will avoid causing customers of the Branch Offices to transfer all or part of their business or to otherwise solicit business from such customers. (c) For a period of twelve (12) months after the Closing Date, Seller covenants and agrees not to directly target or solicit any persons within the market areas hereinafter set forth with respect 23 to deposit and related products. The preceding sentence shall not apply to non-deposit customers of Seller. (d) For a period of twelve (12) months after the Closing Date, Seller will not open a deposit taking office or install an ATM or supermarket branches or any other deposit taking facility in any of the market areas hereinafter set forth. (e) Market areas for purposes of the foregoing Paragraph (b) -- (c) shall be the entire area of Fairfield County, Connecticut and New York City, New York. ARTICLE XV MISCELLANEOUS (a) Except as otherwise provided in this Agreement, Buyer and Seller shall pay their own expenses in connection with the transaction contemplated hereby. (b) Notwithstanding any other provision of this Agreement, this Agreement and the transactions contemplated hereby may be terminated at any time before the Closing Date as follows: (1) By mutual written consent of the Boards of Directors of Buyer and Seller. (2) By written notice of either Buyer or Seller if the transactions contemplated hereby are not consummated on or before December 31, 2000 or such later date mutually acceptable to the parties. (3) By written notice of either Buyer or Seller if: (A) Any representation or warranty made herein by the other party or in any exhibit hereto or in any application, report, certificate or financial statement furnished pursuant to the provisions hereof, shall prove to have been false or misleading in any material respect when made or furnished to the extent it has a Material Adverse Effect on Buyer or Seller; or 24 (B) If the other party shall default in any material respect in the performance or observance of any covenant, agreement, provision, or duty hereunder which requires the defaulting party to take or to omit from taking action hereunder and such default shall not be remedied within thirty (30) days after receipt of written notice from the other party; provided that termination pursuant to this provision shall not relieve the breaching party of liability for such breach or otherwise. Notwithstanding anything to the contrary herein contained, neither party hereto shall have the right to terminate this Agreement on account of its own breach. (4) By written notice of either Buyer or Seller at any time after any governmental agency has denied or revoked any Regulatory Approval required to be obtained pursuant to this Agreement. Provided, however, that the imposition of reasonable conditions by any regulatory agency shall not be deemed a denial or revocation of the approvals required to be obtained pursuant to this Agreement. (c) Upon any such termination as described in Article XV(b) above, neither Buyer nor Seller shall have any liability or obligation hereunder to the other, except as follows: (1) Each party will return all documents, work papers and other materials and any and all copies thereof received from the other party relating to the transactions contemplated hereby; (2) All information received by either party hereto with respect to the business of the other party or its subsidiaries (other than information which is a matter of public record or whose disclosure may be required by applicable law) shall be held in confidence and not disclosed to any other person or entity; (3) Buyer shall return promptly after such termination any and all lists of customers of Seller or other materials in its possession or control which identify customers of Seller, and shall not use any information obtained by Buyer in connection with this 25 Agreement or the transactions contemplated herein to solicit in any manner any of Seller's customers or otherwise to interfere with the conduct of Seller's business or the value of its assets or operations; and (4) Notwithstanding Article XV(a) above and any other provision of this Agreement, a party which terminates this Agreement in a manner which is not permitted by Article XV(b) or who provides the basis for a termination by the other party pursuant to the provisions of Article XV(b)(3) above shall be liable in the amount of $250,000.00 to the other party in connection with the transactions contemplated hereby, which amount shall be exclusive and shall constitute full and liquidated damages. (d) All notices or other communications provided for or required under this Agreement shall be in writing and shall be deemed to have been duly given if delivered or mailed (registered or certified mail, postage paid) as follows: If to Seller: La Jolla Bank, FSB Post Office Box 2529 Rancho Santa Fe, CA 92067 Attention: Rick F. Hall, President and Chief Executive Officer Copy to: Steven H. Rice 999 Bedford Street Stamford, Connecticut 06905 Additional Copy to: Gibson Dunn & Crutcher, LLP 1050 Connecticut Avenue, NW Washington, D.C. 20036 Attention: Stephanie Tsacoumis, Esq. If to Buyer: 26 Union State Bank 100 Dutch Hill Road Orangeburg, New York 10962 Attention: Steven T. Sabatini, Chief Financial Officer Copy to: Robert E. Blackburn, General Counsel Additional Copy to: Elias, Matz, Tiernan & Herrick, LLP 734 15th Street, N.W., 12th Floor Washington, D.C. 20005 Attention: Daniel Weitzel, Esq. (e) No party to this Agreement shall make, issue or release any public announcement, statement or acknowledgement of the existence of, or reveal the terms, conditions or the status of, the transactions provided for herein without first attempting to the extent reasonably possible and in all cases with regard to written matter, to clear such announcement, statement, acknowledgement, or revelation with the other party, provided that Buyer or Seller may make any such release or announcement which in the opinion of counsel for Seller or Buyer, as the case may be, is necessary or appropriate to comply with applicable law. The parties hereto agree that they will not unreasonably withhold, condition or delay any such clearances. (f) This Agreement may not be assigned by either Buyer or Seller without the prior written consent of the other. (g) The representations, warranties and covenants made by Seller and Buyer set forth in this Agreement shall survive the Closing Date for one (1) year after the Closing Date. (h) This Agreement shall be governed by and construed in accordance with the law's of the State of New York, to the extent not governed by federal law. (i) If any part of this Agreement shall be adjudged by any court of competent jurisdiction to be invalid, such judgment shall not impair any other provision hereof. 27 (j) This Agreement, including all exhibits referred to herein and made a part hereof, may be executed in duplicate, each of which shall be a valid and binding original, but all of which taken together shall constitute one and the same instrument. (k) This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof and supersedes all prior and contemporaneous agreements and understandings of the parties in connection therewith. No modification or termination of this Agreement shall be binding unless executed in writing by both parties hereto. No waiver of any provision of this Agreement shall be deemed to be, or shall constitute a waiver of any other provision hereof (whether or not similar) nor shall such waiver constitute a continuing waiver. IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the day and year first above written: La Jolla Bank By: /s/ Rick F. Hall ------------------------------------- Rick F. Hall, President Union State Bank By: /s/ Steven T. Sabatini ------------------------------------- Steven T. Sabatini, Senior Executive Vice President and Chief Financial Officer 28 Index to Exhibits A. List of Branch Offices B. Identification of Liabilities B-l. Summary C. Contractual obligations and copies of related documents D. Operating Assets E. Identification of Account Loans F. Bill of Sale and Assignment of Assets G. Assignment and Assumption Agreement H. Executed copies of Leases for the respective Branch Offices I. Form of Seller's Counsel's Opinion J. Form of Buyer's Counsel's Opinion 29 EXHIBIT A LIST OF BRANCH OFFICES 1. 11 East 22nd Street New York, New York 10010 2. 999 Bedford Street Stamford, Connecticut 06905 30 EXHIBIT B IDENTIFICATION OF LIABILITIES Attached as Exhibit B-1 is a summary of the Liabilities to be assumed consisting of various accounts at the Stamford and New York City branches as of April 30, 2000. The Liabilities to be assumed shall not include brokered deposits, loan hold back accounts, overdrawn accounts, other wholesale deposits and Affiliate Deposits** ("Excluded Deposits"). As of April 30, 2000, the Excluded Deposits are as follows: o Officer, director and employee accounts total approximately $602,000.00. Of this total, $542,000.00 is in type 16, three check a month and $60,000.00 is a CD. o Loan Hold back accounts total approximately $328,000.00 and are included in type 03, Statement Savings. o Two overdrawn accounts totaling $471.00. ** Affiliate Deposits are hereby defined as those deposits maintained at the Branches and owned by related entities of Seller including correspondent banks, subsidiaries, employees, officers, directors or major shareholders or entities in which Seller has an interest greater than ten (10%) percent. 31
INST 75P BRANCH 50 SEQ-TYPE 5 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 149 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 59 03 39300 23798.92 29APR00 .00 .00 0 97 ###-###-####.14 08APR00 .00 .00 0 218 03 39300 18.03 02MAY95 .00 .00 0 241 03 39300 26.47 12JUN98 .00 .00 0 276 ###-###-####.93 17APR00 .00 .00 0 342 03 39300 953.83 19AUG99 .00 .00 0 369 03 39300 38938.61 14JAN00 .00 .00 0 370 03 39300 37041.77 14JAN00 .00 .00 0 426 03 39300 86 1332.67 03JUN99 .00 .00 0 437 03 39300 86 2359.02 26APR00 .00 .00 0 439 03 39300 16270.09 15OCT99 .00 .00 0 455 ###-###-####.47 16MAR00 .00 .00 0 498 03 39300 28635.61 11APR00 .00 .00 0 536 03 39300 13694.13 11APR00 .00 .00 0 581 03 39300 779.10 05NOV99 .00 .00 0 592 03 39300 917.32 27DEC99 .00 .00 0 625 03 39300 86 3118.24 07APR00 .00 .00 0 634 03 39300 52.54 04APR00 .00 .00 0 728 03 39300 34.19 15JUL99 .00 .00 0 757 03 39300 64 272.35 28APR00 .00 .00 0 773 03 39300 38 6364.70 09DEC99 .00 .00 0 805 03 39300 401.04 20SEP99 .00 .00 0 848 03 39300 651.05 20SEP99 .00 .00 0 864 03 39300 64 5960.68 18APR00 .00 .00 0 887 03 39300 39272.53 24APR00 .00 .00 0 888 ###-###-####.93 27DEC99 .00 .00 0 893 ###-###-####.31 21OCT99 .00 .00 0 897 ###-###-####.43 06APR00 .00 .00 0 898 ###-###-####.35 09JAN95 .00 .00 0 901 ###-###-####.17 18APR00 .00 .00 0 902 03 39300 14.07 08FEB99 .00 .00 0 908 ###-###-####.02 08MAR00 .00 .00 0 911 ###-###-####.46 24JAN00 .00 .00 0 912 ###-###-####.71 18MAR00 .00 .00 0 915 03 39300 436.48 19APR00 .00 .00 0 929 03 39300 227.27 08SEP99 .00 .00 0 937 03 39300 10084.24 23MAR00 .00 .00 0 938 ###-###-####.98 13JUL99 .00 .00 0 947 ###-###-####.15 13APR00 .00 .00 0 950 03 39300 2.20 23MAR98 .00 .00 0 956 03 39300 72318.49 03APR00 .00 .00 0 958 03 39300 45235.98 11APR00 .00 .00 0 960 03 39300 32386.37 28APR00 .00 .00 0 963 03 39300 10447.01 17APR00 .00 .00 0 964 03 39300 179.68 17APR00 .00 .00 0 969 03 39300 55.45 28OCT99 .00 .00 0 971 03 39300 10830.92 08APR00 .00 .00 0 972 ###-###-####.93 23NOV99 .00 .00 0 976 03 39300 13647.25 19NOV99 .00 .00 0 986 03 39300 65305.58 21MAR00 .00 .00 0 998 ###-###-####.07 15MAR00 .00 .00 0 1000 ###-###-####.05 26APR00 .00 .00 0 1006 03 39300 100.62 06APR00 .00 .00 0 1012 03 39300 86227.18 17FEB00 .00 .00 0 1018 03 39300 29839.57 28OCT99 .00 .00 0 1028 03 39300 64 2265.41 17APR00 .00 .00 0 1033 03 39300 38 2283.37 02JUL96 .00 .00 0 1036 03 39300 979.47 28APR00 .00 .00 0 1045 03 39300 12278.26 20MAR00 .00 .00 0 1057 03 39300 38 35385.36 03APR00 .00 .00 0 1063 03 39300 151.58 02SEP99 .00 .00 0 1068 ###-###-####.25 03APR00 .00 .00 0 1081 03 39300 .52 13DEC99 .00 .00 0 1083 03 39300 280.11 15APR99 .00 .00 0 1084 03 39300 64 308.60 28APR00 .00 .00 0 1085 03 39300 416.94 28APR00 .00 .00 0 1090 ###-###-####.87 18DEC99 .00 .00 0 1093 03 39300 825.96 04APR00 .00 .00 0 1096 03 39300 64 32281.74 09FEB00 .00 .00 0 1102 ###-###-####.64 27APR00 .00 .00 0 1105 03 39300 22.11 23JUL99 .00 .00 0 1107 ###-###-####.54 05MAR97 .00 .00 0 1113 03 39300 2.65 12NOV99 .00 .00 0 1115 ###-###-####.84 23DEC99 .00 .00 0 1120 03 39300 718.02 28APR00 .00 .00 0 1129 ###-###-####.91 26JAN00 .00 .00 0 1130 03 39300 749.31 24MAR00 .00 .00 0 1143 03 39300 4.22 15FEB00 .00 .00 0 1159 03 39300 29780.37 21DEC99 .00 .00 0 1160 ###-###-####.94 24APR00 .00 .00 0 1164 03 39300 167.31 31DEC99 .00 .00 0 1166 ###-###-####.73 03DEC99 .00 .00 0 1167 03 39300 20966.49 06APR00 .00 .00 0 1171 03 39300 853.03 05APR00 .00 .00 0 1172 03 39300 262.23 27APR00 .00 .00 0 1177 03 39300 283.40 14OCT99 .00 .00 0 1183 ###-###-####.42 08MAR00 .00 .00 0 1185 03 39300 10808.14 27DEC99 .00 .00 0 1190 03 39300 154.41 17MAR00 .00 .00 0 1191 03 39300 11.86 10JAN00 .00 .00 0 1196 03 39300 537.75 30MAR98 .00 .00 0 1200 ###-###-####.77 23FEB00 .00 .00 0 1201 03 39300 8.53 04JAN00 .00 .00 0 1203 ###-###-####.29 19APR99 .00 .00 0 1205 03 39300 110.14 20JAN99 .00 .00 0 1208 03 39300 3.81 14SEP98 .00 .00 0 1211 ###-###-####.90 03APR00 .00 .00 0 1212 03 39300 11455.59 28APR00 .00 .00 0 1213 03 39300 .63 29JUN98 .00 .00 0 1214 ###-###-####.14 08NOV99 .00 .00 0 1219 03 39300 64 10070.52 20APR00 .00 .00 0 1224 03 39300 12742.99 11JAN99 .00 .00 0 1226 03 39300 25785.36 13JAN99 .00 .00 0 1230 03 39300 16073.44 22SEP98 .00 .00 0 1235 03 39300 14604.25 28APR00 .00 .00 0 1236 ###-###-####.19 18APR00 .00 .00 0 1237 ###-###-####.30 05APR00 .00 .00 0 1242 ###-###-####.03 03APR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 5 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 150 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1244 03 39300 25975.05 30SEP98 .00 .00 0 1245 03 39300 610.15 24APR00 .00 .00 0 1248 ###-###-####.49 27APR00 .00 .00 0 1252 03 39300 20165.58 19APR00 .00 .00 0 1254 ###-###-####.62 12APR00 .00 .00 0 1258 03 39300 17826.49 03APR00 .00 .00 0 1260 03 39300 507.19 07JAN00 .00 .00 0 1263 ###-###-####.40 20SEP99 .00 .00 0 1264 ###-###-####.56 28JAN00 .00 .00 0 1265 03 39300 45034.07 09NOV98 .00 .00 0 1266 03 39300 30510.79 09NOV98 .00 .00 0 1271 03 39300 18204.31 23NOV98 .00 .00 0 1273 ###-###-####.40 20SEP99 .00 .00 0 1274 ###-###-####.76 01DEC98 .00 .00 0 1276 03 39300 391.13 20SEP99 .00 .00 0 1278 03 39300 10578.30 04DEC98 .00 .00 0 1280 03 39300 35914.74 04FEB00 .00 .00 0 1286 03 39300 44.74 21DEC99 .00 .00 0 1287 ###-###-####.31 08NOV99 .00 .00 0 1302 ###-###-####.39 20APR00 .00 .00 0 20071 03 39300 10669.24 10FEB99 .00 .00 0 20074 ###-###-####.12 02MAR99 .00 .00 0 20088 03 39300 15932.93 28APR00 .00 .00 0 20115 ###-###-####.98 10MAY99 .00 .00 0 20135 03 39300 16915.93 23FEB99 .00 .00 0 20137 ###-###-####.17 24JAN00 .00 .00 0 20138 03 39300 .00 24FEB99 .00 .00 0 20218 03 39300 15481.54 13OCT99 .00 .00 0 20253 03 39300 22.74 11MAY99 .00 .00 0 20257 03 39300 49 32330.09 19MAR99 .00 .00 0 20264 03 39300 283.91 15FEB00 .00 .00 0 20265 03 39300 75783.18 27DEC99 .00 .00 0 20284 03 39300 11.74 27MAY99 .00 .00 0 20296 03 39300 60 1490.03 26MAR99 .00 .00 0 20297 ###-###-####.97 27APR00 .00 .00 0 20306 03 39300 39 6128.31 25APR00 .00 .00 0 20312 ###-###-####.74 29MAR99 .00 .00 0 20316 03 39300 30660.37 25APR00 .00 .00 0 20318 03 39300 319.03 22DEC99 .00 .00 0 20365 03 39300 19350.21 19APR99 .00 .00 0 20369 ###-###-####.54 14APR99 .00 .00 0 20374 ###-###-####.84 15APR99 .00 .00 0 20383 ###-###-####.66 19APR99 .00 .00 0 20389 03 39300 22341.50 20APR99 .00 .00 0 20439 03 39300 251.51 06JAN00 .00 .00 0 20446 03 39300 30092.80 08NOV99 .00 .00 0 20451 03 39300 743.84 11JAN00 .00 .00 0 20490 ###-###-####.79 05APR00 .00 .00 0 20513 03 39300 11028.37 20MAY99 .00 .00 0 20706 03 39300 12425.76 07MAR00 .00 .00 0 20708 03 39300 21601.98 27APR00 .00 .00 0 20710 ###-###-####.77 11FEB00 .00 .00 0 20716 03 39300 85769.92 24JUN99 .00 .00 0 20729 ###-###-####.36 24JUN99 .00 .00 0 20744 ###-###-####.37 27APR00 .00 .00 0 20745 02 48900 47.07 25FEB00 .00 .00 0 20746 02 48900 48.08 25FEB00 .00 .00 0 20854 02 48900 722.73 28MAR00 .00 .00 0 20856 02 48900 748.32 23DEC99 .00 .00 0 20858 02 48900 748.32 23DEC99 .00 .00 0 20969 00 39300 515.22 27JUL99 .00 .00 0 21000 ###-###-####.79 30JUL99 .00 .00 0 21231 02 48900 1.00 26AUG99 .00 .00 0 21232 02 48900 1.00 26AUG99 .00 .00 0 21301 03 39300 155.95 24FEB00 .00 .00 0 21318 03 39300 551.30 12OCT99 .00 .00 0 21534 02 48900 509.65 10DEC99 .00 .00 0 21550 00 39300 20352.01 16DEC99 .00 .00 0 21677 ###-###-####.37 26JAN00 .00 .00 0 21678 ###-###-####.27 04APR00 .00 .00 0 21679 00 39300 100.79 17FEB00 .00 .00 0 21681 ###-###-####.24 01MAR00 .00 .00 0 21682 03 39300 88 1143.32 28APR00 .00 .00 0 21683 00 39300 88 1834.66 18APR00 .00 .00 0 21684 00 39300 88 1566.37 18APR00 .00 .00 0 21686 00 39300 88 15448.04 04APR00 .00 .00 0 21688 00 39300 88 1302.78 05APR00 .00 .00 0 21689 00 39300 88 939.83 21APR00 .00 .00 0 21690 00 39300 88 681.46 11APR00 .00 .00 0 21692 02 48900 88 5.01 18APR00 .00 .00 0 21693 02 48900 88 5.01 18APR00 .00 .00 0 21694 02 48900 88 5.01 18APR00 .00 .00 0 21695 02 48900 88 5.01 18APR00 .00 .00 0 50086 03 39300 105039.75 12FEB99 .00 .00 0 900110 01 24800 39 27042.76 11MAR98 .00 .00 0 900114 01 24800 39 16550.29 08OCT99 .00 .00 0 900124 01 24800 39 22411.88 19FEB98 .00 .00 0 900147 01 24800 39 79209.23 01JUL98 .00 .00 0 900149 01 24800 39 17778.81 07MAY99 .00 .00 0 900166 01 24800 39 4154.26 16SEP98 .00 .00 0 900178 01 24800 39 156378.45 11JUN99 .00 .00 0 900180 01 24800 39 28128.03 10SEP99 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 151 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 12 00000 .01 17MAY99 .00 .00 0 2 19 00000 38 .01 17MAY99 .00 .00 0 1413 11 27200 86 188.93 26APR00 .00 .00 0 1693 11 27200 373.79 24APR00 .00 .00 0 1804 11 27200 613.74 28APR00 .00 .00 0 1812 11 27200 10330.86 27APR00 .00 .00 0 1901 11 27200 269.34 12NOV99 .00 .00 0 1936 11 27200 686.40 28APR00 .00 .00 0 1944 11 27200 18257.99 19APR00 .00 .00 0 10028 11 27200 10375.46 19APR00 12.53 .00 0 10044 ###-###-####.73 17APR00 4.50 .00 0 10050 14 00000 1702.02 29APR00 .00 .00 0 10051 15 00000 351331.74 27APR00 .00 .00 0 10052 ###-###-####.13 28APR00 .78 .00 0 10053 18 29600 16934.46 28APR00 11.43 .00 0 10056 ###-###-####.12 29APR00 2.96 .00 0 10058 ###-###-####.21 28APR00 6.28 .00 0 10059 15 00000 5360.14 14APR00 .00 .00 0 10061 15 00000 61.00 06JUL99 .00 .00 0 10064 ###-###-####.67 27APR00 .80 .00 0 10065 16 51300 132953.67 19NOV99 37.37 .00 0 10067 14 00000 453.46 28APR00 .00 .00 0 10068 18 29600 441.71 15MAROO 1 .07 .00 0 10069 ###-###-####.62 21OCT99 .16 .00 0 10070 15 00000 64 3548.37 28APR00 .00 .00 0 10071 ###-###-####.48 26APR00 .41 .00 0 10072 15 00000 1432.71 27APR00 .00 .00 0 10073 ###-###-####.82 28APR00 .20 .00 0 10074 18 29600 14987.93 07DEC99 2.43 .00 0 10075 15 00000 42.56 22FEB00 .00 .00 0 10076 ###-###-####.63 17APR00 .42 .00 0 10079 16 51300 105353.48 02JUN99 29.61 .00 0 10081 16 51300 23079.42 06APR00 .00 .00 0 10084 ###-###-####.62 24APR00 .00 .00 0 10085 ###-###-####.47 12MAY99 .00 .00 0 10086 16 51300 15723.65 21APR00 .00 .00 0 10087 16 51300 11225.74 14APR00 .00 .00 0 10088 16 51300 37770.39 31MAR00 .00 .00 0 10089 16 51300 19760.78 11APR00 .00 .00 0 10090 ###-###-####.79 31MAR00 .00 .00 0 10091 16 51300 16650.19 27MAR00 .00 .00 0 10092 ###-###-####.54 20MAY99 .00 .00 0 10095 16 51300 38135.93 20APR00 .00 .00 0 10096 16 00000 2.94 09MAR00 .00 .00 0 10098 16 51300 104187.13 24APR00 .00 .00 0 10099 16 51300 64 47041.49 14APR00 .00 .00 0 10100 16 51300 16110.32 24MAR00 52.08 .00 0 10102 11 27200 301.96 30JUN99 .52 .00 0 10103 16 51300 88448.62 28MAY99 285.92 .00 0 10104 ###-###-####.65 19APR00 29.67 .00 0 10105 16 51300 33632.28 05JAN00 108.72 .00 0 10106 ###-###-####.55 05JAN00 25.34 .00 0 10107 ###-###-####.14 28APR00 8.00 .00 0 10108 ###-###-####.22 15FEB00 7.96 .00 0 10109 16 51300 12308.70 13APR00 40.53 .00 0 10110 ###-###-####.96 01SEP99 28.10 .00 0 10111 16 51300 70891.72 20JUL99 229.16 .00 0 10112 16 51300 34152.66 03JUN99 110.40 .00 0 10113 16 51300 114721.48 03JUN99 370.85 .00 0 10114 16 51300 25993.86 19APR00 83.87 .00 0 10115 ###-###-####.86 28APR00 3.06 .00 0 10116 16 51300 10763.45 07APR00 34.79 .00 0 10117 ###-###-####.84 07JAN00 18.23 .00 0 10119 16 51300 99346.97 08JUN99 332.39 .00 0 10120 16 51300 21291.15 08JUN99 47.88 .00 0 10122 16 51300 62361.85 08JUN99 140.24 .00 0 10123 16 51300 10745.53 08JUN99 24.16 .00 0 10124 ###-###-####.93 13SEP99 15.86 .00 0 10125 16 51300 42783.58 23MAR00 96.21 .00 0 10126 16 51300 94261.20 10SEP99 211.97 .00 0 10127 ###-###-####.39 25FEB00 8.44 .00 0 10128 16 51300 206372.57 18APR00 500.76 .00 0 10129 16 51300 15539.69 13APR00 34.95 .00 0 10130 16 51300 20870.36 15JUN99 46.93 .00 0 10131 ###-###-####.22 29APR00 3.50 .00 0 10132 ###-###-####.24 30JUN99 22.32 .00 0 10133 ###-###-####.02 21JUL99 10.05 .00 0 10134 16 51300 23921.74 23MAR00 53.79 .00 0 10135 ###-###-####.91 18JUN99 3.17 .00 0 10136 16 51300 97166.40 17NOV99 218.50 .00 0 10137 16 51300 78562.11 29JUN99 176.67 .00 0 10138 16 51300 10535.00 21JUN99 23.69 .00 0 10139 ###-###-####.63 14OCT99 3.39 .00 0 10140 16 51300 10854.88 03AUG99 13.73 .00 0 10143 ###-###-####.15 04NOV99 9.96 .00 0 10145 16 51300 14560.02 24JUN99 18.42 .00 0 10146 19 39300 995.54 27APR00 1.12 .00 0 10147 16 51300 16226.78 25APR00 24.74 .00 0 10148 16 51300 111.28 03JAN00 .14 .00 0 10149 16 51300 10518.76 15NOV99 13.31 .00 0 10150 16 51300 49 79609.13 06JUL99 257.34 .00 0 10151 16 00000 45.30 22FEB00 .00 .00 0 10153 16 51300 58398.36 07JUL99 73.87 .00 0 10154 18 29600 20782.30 27APR00 14.92 .00 0 10155 ###-###-####.09 07JUL99 1.75 .00 0 10156 ###-###-####.34 21OCT99 18.97 .00 0 10157 16 51300 42978.02 19APR00 151.28 .00 0 10158 ###-###-####.84 10JAN00 5.84 .00 0 10159 16 51300 21912.83 20DEC99 27.72 .00 0 10160 16 51300 193214.84 22DEC99 54.31 .00 0 10161 16 51300 41703.02 30DEC99 134.81 .00 0 10162 16 51300 55261.08 13JUL99 178.64 .00 0 10163 ###-###-####.34 23MAR00 22.28 .00 0 10164 09 53700 543.97 14APR00 10.67 .00 0 10165 09 53700 52174.43 14JUL99 15.35 .00 0 10167 09 53700 26540.22 04APR00 7.81 .00 0 10169 09 53700 19384.18 27APR00 5.70 .00 0 10170 09 00000 33.54 13APR00 .69 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 152 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10171 09 53700 45150.08 15NOV99 13.29 .00 0 10172 ###-###-####.05 22MAR00 11.07 .00 0 10173 16 51300 12377.19 28MAR00 40.01 .00 0 10174 16 51300 33194.53 15MAR00 9.33 .00 0 10175 16 51300 41631.14 19JUL99 11.70 .00 0 10176 16 51300 20739.01 03APR00 67.04 .00 0 10178 16 51300 17779.23 13DEC99 5.00 .00 0 10179 ###-###-####.03 29APR00 .23 .00 0 10181 ###-###-####.96 22MAR00 .00 .00 0 10182 16 00000 55.93 21APR00 .00 .00 0 10183 ###-###-####.05 09MAR00 4.04 .00 0 10184 16 51300 73232.26 23DEC99 236.73 .00 0 10186 ###-###-####.48 21APR00 .00 .00 0 10188 16 51300 57412.74 28JUL99 .00 .00 0 10190 16 51300 49 7807.90 09DEC99 .00 .00 0 10191 ###-###-####.11 29JUL99 .00 .00 0 10192 ###-###-####.97 12OCT99 7.77 .00 0 10193 16 51300 20649.48 30JUL99 66.75 .00 0 10194 ###-###-####.48 14APR00 .00 .00 0 10195 16 51300 10975.92 20AUG99 .00 .00 0 10196 16 51300 43762.38 20APR00 .00 .00 0 10197 16 51300 20768.97 06AUG99 .00 .00 0 10198 10 29600 10034.86 24APR00 .00 .00 0 10199 16 51300 113.95 26JAN00 .37 .00 0 10200 16 51300 17573.23 22FEB00 56.81 .00 0 10201 16 51300 18834.77 18OCT99 60.89 .00 0 10202 16 51300 60 6674.52 27APR00 34.93 .00 0 10203 ###-###-####.49 03APR00 9.08 .00 0 10204 ###-###-####.90 23FEB00 30.95 .00 0 10205 10 29600 778.43 28APR00 1.54 .00 0 10206 ###-###-####.54 28APR00 20.66 .00 0 10207 16 51300 43492.61 03AUG99 140.59 .00 0 10208 16 51300 55549.15 09MAR00 179.57 .00 0 10210 16 51300 89641.17 27APR00 289.81 .00 0 10211 16 51300 110314.22 27APR00 356.64 .00 0 10212 16 51300 63599.81 28MAR00 205.59 .00 0 10213 16 51300 80973.30 29MAR00 261.75 .00 0 10214 16 51300 33211.75 05AUG99 107.36 .00 0 10215 16 51300 91720.98 25APR00 293.57 .00 0 10216 ###-###-####.88 15OCT99 6.98 .00 0 10217 16 51300 25100.00 24APR00 91.56 .00 0 10218 16 51300 139680.01 09AUG99 451.53 .00 0 10219 16 51300 100019.67 13APR00 323.75 .00 0 10220 16 51300 64 44541.04 27JAN00 .00 .00 0 10221 ###-###-####.73 03MAR00 14.70 .00 0 10222 16 51300 30545.54 18APR00 70.30 .00 0 10223 ###-###-####.67 21APR00 .00 .00 0 10224 16 51300 101792.67 25MAY99 228.91 .00 0 10226 11 27200 457.81 15FEB00 .55 .00 0 10228 16 51300 11387.59 26APR00 35.11 .00 0 10229 ###-###-####.52 05APR00 20.93 .00 0 10230 16 51300 21018.49 07JAN00 47.27 .00 0 10231 ###-###-####.53 27MAR00 27.37 .00 0 10234 16 51300 27012.35 25FEB00 60.74 .00 0 10236 16 51300 40 96350.91 21APR00 218.43 .00 0 10237 ###-###-####.42 27APR00 25.90 .00 0 10238 16 51300 10803.68 19APR00 23.99 .00 0 10239 16 51300 171801.08 17AUG99 386.34 .00 0 10240 ###-###-####.46 16AUG99 10.48 .00 0 10241 16 51300 47080.69 27APR00 148.22 .00 0 10243 16 51300 101575.38 20MAR00 128.49 .00 0 10244 16 51300 97078.31 28APR00 58.64 .00 0 10245 ###-###-####.06 06MAR00 24.42 .00 0 10246 16 51300 16970.41 24MAR00 21.47 .00 0 10247 ###-###-####.77 09SEP99 8.77 .00 0 10248 16 51300 11891.43 06MAR00 15.04 .00 0 10250 16 51300 55165.09 20AUG99 178.33 .00 0 10251 16 51300 24447.12 07APR00 30.92 .00 0 10252 16 51300 47796.00 27APR00 60.44 .00 0 10254 16 51300 79800.65 07JAN00 257.96 .00 0 10255 16 51300 15275.44 28APR00 47.57 .00 0 10256 16 51300 42494.11 16MAR00 53.75 .00 0 10257 16 51300 60755.79 19APR00 76.85 .00 0 10258 16 51300 82786.39 10SEP99 104.72 .00 0 10259 16 51300 83069.30 21APR00 105.08 .00 0 10261 16 51300 38606.80 08MAR00 10.85 .00 0 10262 16 51300 64444.83 26APR00 18.12 .00 0 10263 ###-###-####.89 17APR00 1.55 .00 0 10264 ###-###-####.40 26APR00 1.28 .00 0 10265 ###-###-####.33 26APR00 1.02 .00 0 10266 16 51300 43344.74 27AUG99 140.12 .00 0 10267 16 51300 40049.80 27AUG99 11.26 .00 0 10268 16 51300 50248.70 27AUG99 14.12 .00 0 10269 16 51300 23168.46 20APR00 94.91 .00 0 10270 ###-###-####.63 17MAR00 .73 .00 0 10271 16 51300 28716.00 10APR00 8.07 .00 0 10272 ###-###-####.12 28APR00 .47 .00 0 10273 16 51300 16659.27 28APR00 4.68 .00 0 10274 16 51300 64 1555.05 03SEP99 .44 .00 0 10275 ###-###-####.70 03SEP99 2.33 .00 0 10276 16 51300 232.69 21JAN00 .07 .00 0 10277 ###-###-####.42 10APR00 2.68 .00 0 10278 ###-###-####.15 10APR00 1.32 .00 0 10279 ###-###-####.47 09SEP99 1.29 .00 0 10280 ###-###-####.92 13SEP99 2.90 .00 0 10281 ###-###-####.85 01NOV99 .00 .00 0 10282 ###-###-####.32 15SEP99 .00 .00 0 10283 ###-###-####.18 24APR00 .00 .00 0 10285 16 51300 344.11 20MAR00 .00 .00 0 10286 16 51300 10185.63 21SEP99 .00 .00 0 10289 16 51300 32539.74 24APR00 .00 .00 0 10290 ###-###-####.93 13APR00 .00 .00 0 10291 16 51300 51537.89 28SEP99 .00 .00 0 10292 ###-###-####.21 28FEB00 .00 .00 0 10293 ###-###-####.37 17APR00 .00 .00 0 10294 ###-###-####.30 19APR00 .00 .00 0 10295 16 51300 15525.37 27APR00 .00 .00 0 10296 16 51300 12699.09 06MAR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 153 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10297 16 51300 21601.26 24FEB00 .00 .00 0 10298 16 51300 123.54 18APR00 .00 .00 0 10299 16 51300 46748.11 03MAR00 .00 .00 0 10300 16 51300 104085.70 08OCT99 336.47 .00 0 10301 16 51300 248.37 06MAR00 .80 .00 0 10302 16 51300 114583.35 15OCT99 370.40 .00 0 10303 10 29600 319.51 26APR00 1.18 .00 0 10304 ###-###-####.14 25FEB00 6.15 .00 0 10305 16 51300 27799.39 25APR00 116.57 .00 0 10306 16 51300 15082.33 11APR00 48.76 .00 0 10307 16 51300 27189.02 28APR00 85.51 .00 0 10308 16 51300 14710.22 22DEC99 47.55 .00 0 10309 ###-###-####.69 27MAR00 12.82 .00 0 10310 ###-###-####.45 05APR00 4.74 .00 0 10311 09 53700 16346.93 28FEB00 55.32 .00 0 10312 16 51300 20027.67 06APR00 64.74 .00 0 10313 ###-###-####.04 24APR00 21.03 .00 0 10314 16 51300 10162.92 03APR00 32.85 .00 0 10315 16 51300 53947.52 28APR00 162.72 .00 0 10318 16 51300 69015.17 07APR00 223.10 .00 0 10319 16 51300 15589.19 22OCT99 50.39 .00 0 10320 16 51300 61745.52 25OCT99 138.85 .00 0 10321 16 51300 10947.84 25OCT99 24.62 .00 0 10322 ###-###-####.21 27OCT99 13.59 .00 0 10323 16 00000 25.28 03APR00 .00 .00 0 10324 16 51300 47108.14 04APR00 105.94 .00 0 10326 16 51300 20468.23 02NOV99 46.03 .00 0 10327 11 27200 516.01 29APR00 .45 .00 0 10328 16 51300 23264.91 01MAR00 52.32 .00 0 10329 ###-###-####.45 27APR00 6.36 .00 0 10330 16 51300 31759.09 09NOV99 71.42 .00 0 10331 ###-###-####.92 10APR00 7.26 .00 0 10332 16 51300 191878.82 20APR00 432.04 .00 0 10333 16 51300 10124.86 20APR00 20.94 .00 0 10334 ###-###-####.25 25APR00 7.51 .00 0 10335 16 51300 839.42 22MAR00 1.89 .00 0 10336 16 51300 50807.67 17NOV99 114.25 .00 0 10337 16 51300 53915.58 22NOV99 121.24 .00 0 10338 16 51300 102005.79 03APR00 229.39 .00 0 10339 16 51300 30599.18 26NOV99 68.81 .00 0 10340 16 51300 13745.06 19APR00 17.39 .00 0 10343 ###-###-####.31 21APR00 2.18 .00 0 10344 16 51300 98222.78 30NOV99 124.25 .00 0 10345 16 51300 15835.96 21APR00 20.03 .00 0 10346 16 51300 62181.07 07APR00 78.65 .00 0 10347 16 51300 29030.38 08MAR00 36.72 .00 0 10348 16 51300 92750.35 07DEC99 117.32 .00 0 10349 ###-###-####.29 03APR00 2.57 .00 0 10350 16 51300 30189.00 09MAR00 38.19 .00 0 10351 19 39300 598.84 29APR00 .54 .00 0 10352 16 51300 90744.49 29DEC99 114.79 .00 0 10354 ###-###-####.53 07APR00 10.18 .00 0 10355 ###-###-####.34 17APR00 7.83 .00 0 10357 ###-###-####.03 17DEC99 6.95 .00 0 10360 16 51300 20655.31 08FEB00 5.81 .00 0 10362 ###-###-####.82 30DEC99 .34 .00 0 10363 ###-###-####.57 30DEC99 .52 .00 0 10364 16 51300 91565.24 20APR00 25.74 .00 0 10365 16 51300 59132.33 10MAR00 16.62 .00 0 10366 ###-###-####.90 11JAN00 2.57 .00 0 10367 ###-###-####.69 08MAR00 1.50 .00 0 10368 ###-###-####.89 27MAR00 2.57 .00 0 10369 ###-###-####.81 04JAN00 1.84 .00 0 10370 ###-###-####.65 05JAN00 1.52 .00 0 10371 ###-###-####.36 24APR00 2.75 .00 0 10372 ###-###-####.86 27APR00 .32 .00 0 10373 ###-###-####.00 04APR00 1.86 .00 0 10374 ###-###-####.94 20APR00 2.31 .00 0 10375 16 51300 16864.86 08MAR00 4.74 .00 0 10376 16 51300 14736.52 21JAN00 4.14 .00 0 10377 ###-###-####.25 27APR00 .60 .00 0 10378 16 51300 10670.90 05APR00 3.00 .00 0 10379 ###-###-####.78 14JAN00 .41 .00 0 10381 ###-###-####.34 24APR00 .00 .00 0 10382 ###-###-####.05 28APR00 .00 .00 0 10383 19 39300 202.34 14JAN00 .00 .00 0 10385 16 51300 21197.61 27JAN00 .00 .00 0 10386 16 51300 62828.18 24APR00 .00 .00 0 10387 16 51300 618.83 26APR00 .00 .00 0 10388 ###-###-####.34 24APR00 19.99 .00 0 10390 16 51300 101.45 20JAN00 .00 .00 0 10391 16 51300 15325.41 10APR00 .00 .00 0 10392 16 51300 60 9231.18 20JAN00 .00 .00 0 10393 19 39300 622.99 28APR00 .00 .00 0 10394 16 51300 101510.15 08MAR00 .00 .00 0 10395 ###-###-####.10 21JAN00 .00 .00 0 10396 19 39300 434.06 19APR00 .00 .00 0 10398 ###-###-####.84 24JAN00 .00 .00 0 10399 ###-###-####.94 28APR00 .00 .00 0 10400 ###-###-####.39 07MAR00 3.60 .00 0 10401 16 51300 10471.08 17APR00 33.58 .00 0 10402 19 39300 92.93 07APR00 .23 .00 0 10403 19 39300 174.55 14APR00 .43 .00 0 10404 ###-###-####.56 27APR00 6.29 .00 0 10405 19 39300 111.02 27APR00 .37 .00 0 10406 19 39300 47.88 17APR00 .16 .00 0 10407 19 39300 64 2204.91 28APR00 12.54 .00 0 10408 19 39300 12078.68 05APR00 29.91 .00 0 10409 ###-###-####.58 31JAN00 3.26 .00 0 10410 ###-###-####.15 06APR00 5.35 .00 0 10411 19 39300 100.72 01FEB00 .25 .00 0 10412 ###-###-####.03 24APR00 18.30 .00 0 10413 16 51300 13224.61 02FEB00 42.75 .00 0 10415 ###-###-####.15 28APR00 11.22 .00 0 10416 ###-###-####.58 02FEB00 4.54 .00 0 10417 16 51300 157723.29 24APR00 415.37 .00 0 10418 ###-###-####.02 03FEB00 2.49 .00 0 10419 16 51300 11541.35 19APR00 33.33 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 154 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10420 19 39300 100.78 03FEB00 .17 .00 0 10421 ###-###-####.30 03FEB00 4.54 .00 0 10422 16 51300 38534.14 12APR00 86.65 .00 0 10423 16 51300 24368.92 12APR00 54.80 .00 0 10424 19 39300 603.22 27APR00 1.21 .00 0 10425 ###-###-####.54 27MAR00 10.17 .00 0 10426 ###-###-####.02 20APR00 3.54 .00 0 10427 16 51300 73362.23 08FEB00 164.97 .00 0 10428 ###-###-####.52 16MAR00 17.28 .00 0 10429 16 51300 10093.00 09FEB00 22.70 .00 0 10430 19 39300 100.71 03MAR00 .17 .00 0 10431 ###-###-####.24 19APR00 20.32 .00 0 10432 16 51300 31182.54 22MAR00 70.12 .00 0 10433 16 51300 90342.01 13MAR00 203.16 .00 0 10434 ###-###-####.10 11FEB00 15.88 .00 0 10435 19 39300 435.71 27APR00 .35 .00 0 10436 16 00000 17.27 28APR00 1.68 .00 0 10437 16 51300 141.15 06APR00 .46 .00 0 10438 16 51300 60 7594.51 14FEB00 23.47 .00 0 10439 16 51300 63340.60 24APR00 142.00 .00 0 10440 16 51300 74716.45 15FEB00 94.51 .00 0 10441 ###-###-####.36 21MAR00 3.82 .00 0 10442 16 51300 22183.80 08MAR00 28.06 .00 0 10443 16 51300 51 26468.09 16FEB00 33.48 .00 0 10444 16 51300 10092.98 16FEB00 12.77 .00 0 10445 ###-###-####.11 16FEB00 7.65 .00 0 10446 ###-###-####.15 04APR00 7.07 .00 0 10447 ###-###-####.73 17FEB00 1.91 .00 0 10448 16 51300 100.91 17FEB00 .13 .00 0 10449 ###-###-####.88 25APR00 3.12 .00 0 10450 19 39300 12612.43 28APR00 10.19 .00 0 10451 ###-###-####.76 25APR00 6.75 .00 0 10452 19 39300 52 100.69 18FEB00 .10 .00 0 10453 ###-###-####.90 22FEB00 2.55 .00 0 10454 ###-###-####.18 06APR00 10.08 .00 0 10455 ###-###-####.00 24APR00 8.89 .00 0 10456 ###-###-####.84 23FEB00 2.69 .00 0 10457 19 39300 60 3078.89 24APR00 2.34 .00 0 10458 19 39300 100.63 23FEB00 .10 .00 0 10460 ###-###-####.78 28APR00 6.25 .00 0 10461 ###-###-####.40 28APR00 1.89 .00 0 10462 19 39300 704.83 24MAR00 .15 .00 0 10463 ###-###-####.35 20MAR00 .35 .00 0 10464 19 39300 116.81 28APR00 1.87 .00 0 10465 ###-###-####.04 14APR00 1.91 .00 0 10466 19 39300 100.63 01MAR00 .02 .00 0 10467 16 51300 17640.60 31MAR00 4.96 .00 0 10468 19 39300 10326.69 24APR00 2.22 .00 0 10469 ###-###-####.26 13APR00 .97 .00 0 10470 16 51300 27159.53 19APR00 34.35 .00 0 10471 ###-###-####.26 24MAR00 .46 .00 0 10472 ###-###-####.80 28APR00 .90 .00 0 10473 19 00000 470.00-20MAR00 .00 .00 0 10474 19 39300 41020.27 27APR00 8.83 .00 0 10475 ###-###-####.77 28MAR00 .85 .00 0 10476 19 39300 86.30 21MAR00 .02 .00 0 10477 ###-###-####.95 27APR00 .71 .00 0 10478 ###-###-####.51 18APR00 1.24 .00 0 10479 19 39300 29019.90 11APR00 6.25 .00 0 10480 ###-###-####.86 17APR00 .00 .00 0 10481 19 39300 869.54 28MAR00 .00 .00 0 10482 ###-###-####.72 21APR00 .00 .00 0 10483 16 51300 28848.78 26APR00 .00 .00 0 10484 19 39300 100.52 13MAR00 .00 .00 0 10485 16 51300 15103.48 13MAR00 .00 .00 0 10486 ###-###-####.36 14APR00 .00 .00 0 10487 ###-###-####.51 14MAR00 .00 .00 0 10488 16 51300 62887.22 14MAR00 .00 .00 0 10489 19 39300 765.42 19APR00 .00 .00 0 10490 19 39300 27287.77 28APR00 .00 .00 0 10491 ###-###-####.74 28APR00 .00 .00 0 10492 19 39300 65.16 28APR00 .00 .00 0 10493 19 39300 60 100.48 17MAR00 .00 .00 0 10494 ###-###-####.33 21MAR00 .00 .00 0 10495 16 51300 50389.24 20MAR00 .00 .00 0 10496 16 51300 46501.54 20MAR00 .00 .00 0 10497 19 39300 411.23 27APR00 .00 .00 0 10498 16 51300 85346.38 04APR00 .00 .00 0 10499 ###-###-####.87 27APR00 .00 .00 0 10500 ###-###-####.10 28APR00 2.56 .00 0 10501 19 39300 604.52 28APR00 .72 .00 0 10502 ###-###-####.61 24APR00 12.39 .00 0 10503 ###-###-####.48 28APR00 69.68 .00 0 10504 16 51300 12350.57 22MAR00 39.92 .00 0 10505 ###-###-####.91 04APR00 3.91 .00 0 10506 19 39300 507.76 25APR00 1.21 .00 0 10507 ###-###-####.24 23MAR00 16.20 .00 0 10508 ###-###-####.04 19APR00 7.18 .00 0 10509 ###-###-####.31 05APR00 16.85 .00 0 10510 16 51300 10522.14 24MAR00 34.01 .00 0 10511 16 51300 16279.71 28APR00 35.03 .00 0 10512 19 39300 572.04 28APR00 .36 .00 0 10513 ###-###-####.62 24MAR00 2.48 .00 0 10514 ###-###-####.40 27MAR00 25.49 .00 0 10515 ###-###-####.63 27APR00 3.80 .00 0 10516 19 39300 100.12 28MAR00 .25 .00 0 10517 19 39300 60 100.12 28MAR00 .25 .00 0 10518 16 51300 13466.70 29MAR00 43.53 .00 0 10519 ###-###-####.28 26APR00 5.67 .00 0 10520 ###-###-####.18 12APR00 12.16 .00 0 10521 ###-###-####.32 05APR00 11.88 .00 0 10522 ###-###-####.25 30MAR00 2.25 .00 0 10523 19 39300 226.17 28APR00 .20 .00 0 10524 19 39300 88 997.56 27APR00 1.61 .00 0 10525 16 51300 88 75158.12 31MAR00 169.01 .00 0 10526 16 51300 88 6053.27 14APR00 13.61 .00 0 10527 19 39300 88 80.86 27APR00 .60 .00 0 10528 16 51300 88 22534.48 18APR00 46.47 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 155 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10529 19 39300 88 100.13 03APR00 .17 .00 0 10530 16 51300 88 3947.35 03APR00 8.88 .00 0 10531 16 51300 88 3518.27 18APR00 3.28 .00 0 10532 19 39300 88 4340.42 28APR00 7.62 .00 0 10533 19 39300 88 3592.73 18APR00 6.19 .00 0 10534 16 51300 88 950.82 27APR00 20.23 .00 0 10535 19 39300 88 250.27 05APR00 .43 .00 0 10536 19 39300 88 50.11 24APR00 .13 .00 0 10537 16 51300 88 9148.93 28APR00 18.13 .00 0 10538 16 51300 88 1802.53 05APR00 4.05 .00 0 10539 19 39300 60 298.03 28APR00 .58 .00 0 10540 19 39300 88 138.65 27APR00 .12 .00 0 10541 16 51300 88 773.67 17APR00 .98 .00 0 10542 16 51300 88 1001.69 10APR00 1.27 .00 0 10543 19 39300 88 100.13 10APR00 .10 .00 0 10544 19 39300 88 100.13 10APR00 .10 .00 0 10545 16 51300 88 4006.18 11APR00 5.07 .00 0 10547 19 39300 88 684.02 29APR00 1.82 .00 0 10548 19 39300 88 100.11 12APR00 .10 .00 0 10549 16 51300 60 2063.61 13APR00 2.61 .00 0 10550 19 39300 88 2001.72 14APR00 1.94 .00 0 10551 19 39300 88 100.05 17APR00 .10 .00 0 10552 16 51300 88 1501.05 17APR00 1.90 .00 0 10553 16 51300 60 84013.28 17APR00 106.27 .00 0 10554 19 39300 88 100.05 17APR00 .10 .00 0 10555 16 51300 88 5003.51 17APR00 6.33 .00 0 10556 19 39300 88 3100.03 24APR00 2.36 .00 0 10557 16 51300 88 95040.06 19APR00 120.22 .00 0 10558 19 39300 88 4409.92 19APR00 4.27 .00 0 10559 19 39300 88 66.40 20APR00 .06 .00 0 10560 19 39300 88 100.01 21APR00 .10 .00 0 10561 19 39300 88 284.41 21APR00 .06 .00 0 10562 19 39300 88 840.21 26APR00 .18 .00 0 10563 19 39300 88 100.05 24APR00 .02 .00 0 10564 19 39300 88 100.05 24APR00 .02 .00 0 10565 19 39300 88 100.04 25APR00 .02 .00 0 10566 19 39300 88 100.04 25APR00 .02 .00 0 10567 19 39300 88 3001.29 25APR00 .65 .00 0 10568 19 39300 88 100.02 27APR00 .02 .00 0 10569 19 39300 88 100.02 27APR00 .02 .00 0 10570 19 39300 88 200.04 27APR00 .04 .00 0 10571 19 39300 88 639.18 28APR00 .14 .00 0 10572 16 51300 88 24276.41 28APR00 6.82 .00 0 400036 15 00000 2581.00 21MAR00 .00 .00 0 400338 15 00000 2217.10 26APR00 .00 .00 0 401202 15 00000 14891.36 28APR00 .00 .00 0 401318 15 00000 7470.06 19APR00 .00 .00 0 401539 15 00000 28907.89 28APR00 .00 .00 0 401547 15 00000 3026.26 20APR00 .00 .00 0 401598 15 00000 11056.98 28APR00 .00 .00 0 401601 15 00000 3109.39 25APR00 .00 .00 0 401679 15 00000 5.00 06DEC99 .00 .00 0 401687 ###-###-####.27 28FEB00 .00 .00 0 401725 15 00000 4.59 18OCT99 .00 .00 0 401849 15 00000 68.89 28APR00 .00 .00 0 401865 15 00000 197.05 28APR00 .00 .00 0 401911 15 00000 14295.54 28APR00 .00 .00 0 401938 15 00000 58817.45 27APR00 .00 .00 0 402063 15 00000 64 3194.05 24APR00 .00 .00 0 402101 15 00000 18919.92 19APR00 .00 .00 0 402128 15 00000 25.62 06JAN00 .00 .00 0 402136 15 00000 6095.26 28APR00 .00 .00 0 402144 15 00000 .09 25FEB00 .00 .00 0 402179 15 00000 60.08 22FEB00 .00 .00 0 402187 15 00000 3906.93 20APR00 .00 .00 0 402195 15 00000 30.00 12APR00 .00 .00 0 402268 15 00000 21791.95 24APR00 .00 .00 0 402284 15 00000 1160.47 28APR00 .00 .00 0 402292 15 00000 .00 16JUN99 .00 .00 0 402306 15 00000 25606.59 27APR00 .00 .00 0 402373 15 00000 963.12 20APR00 .00 .00 0 402403 15 00000 9851.00 17JUN98 .00 .00 0 402489 15 00000 40 20446.30 28APR00 .00 .00 0 402519 15 00000 158.98 28JAN00 .00 .00 0 402535 15 00000 1864.84 19APR00 .00 .00 0 402586 15 00000 270.89 27APR00 .00 .00 0 501576 ###-###-####.43 15OCT99 .00 .00 0 501673 16 51300 39542.22 05APR00 .00 .00 0 501894 16 51300 89089.85 05APR00 .00 .00 0 502211 ###-###-####.62 28APR00 .00 .00 0 503587 16 51300 86 16516.91 25APR00 .00 .00 0 503633 16 51300 16094.89 10APR00 .00 .00 0 503722 16 51300 18640.79 24APR00 .00 .00 0 503919 16 51300 50745.97 10APR00 .00 .00 0 503978 16 51300 67543.55 19NOV91 .00 .00 0 504036 16 00000 2.21 24FEB98 .00 .00 0 504591 ###-###-####.75 31MAR00 .00 .00 0 504672 ###-###-####.05 17MAR99 .00 .00 0 504761 ###-###-####.12 19FEB99 .00 .00 0 504885 16 51300 48160.65 18FEB00 .00 .00 0 504974 ###-###-####.05 20FEB98 .00 .00 0 505008 16 51300 13560.53 06APR00 .00 .00 0 505032 16 51300 12959.59 27DEC99 .00 .00 0 505075 16 51300 55881.48 27APR00 .00 .00 0 505083 16 51300 847.33 26APR00 .00 .00 0 505199 16 51300 27719.66 30DEC99 .00 .00 0 505202 16 51300 107924.01 28MAR00 .00 .00 0 505229 16 51300 138.05 12JUL99 .00 .00 0 505253 16 51300 26083.30 29AUG97 .00 .00 0 505326 16 51300 275773.13 11APR00 .00 .00 0 505334 16 51300 11995.49 28APR00 .00 .00 0 505377 16 51300 21899.67 02APR98 .00 .00 0 505385 16 51300 27338.75 15APR98 .00 .00 0 505512 16 51300 601.06 21APR00 .00 .00 0 600241 ###-###-####.06 27APR00 .00 .00 0 601116 ###-###-####.77 28APR00 .00 .00 0 700173 17 00000 .00 03JAN00 .00 .00 0 700203 17 00000 .00 20MAR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 156 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 800089 ###-###-####.50 29APR00 .00 .00 0 800291 ###-###-####.03 28APR00 .00 .00 0 800445 11 27200 2.24 05APR00 .00 .00 0 800895 ###-###-####.94 27APR00 .00 .00 0 800933 11 27200 86 23444.08 12APR00 .00 .00 0 801093 11 27200 16435.73 28APR00 .00 .00 0 801158 11 27200 482.13 21APR92 .00 .00 0 801174 ###-###-####.73 01APR00 .00 .00 0 801328 11 27200 533.99 14DEC99 .00 .00 0 801344 11 27200 277.26 31JAN00 .00 .00 0 801581 11 27200 11544.63 28APR00 .00 .00 0 801956 11 27200 24509.98 21APR00 .00 .00 0 801999 ###-###-####.23 28APR00 .00 .00 0 802138 ###-###-####.02 28APR00 .00 .00 0 802391 ###-###-####.83 28APR00 .00 .00 0 802588 ###-###-####.94 29APR00 .00 .00 0 802723 11 27200 314.06 15SEP98 .00 .00 0 802731 11 27200 279.26 24FEB00 .00 .00 0 803088 11 27200 485.54 29APR00 .00 .00 0 803282 11 27200 40.99 28APR00 .00 .00 0 803428 ###-###-####.64 29APR00 .00 .00 0 803738 11 27200 10456.04 26APR00 .00 .00 0 803819 ###-###-####.43 28APR00 .00 .00 0 803827 ###-###-####.42 19APR00 .00 .00 0 804106 11 27200 86 4121.05 29APR00 .00 .00 0 804297 ###-###-####.91 28APR00 .00 .00 0 804386 ###-###-####.62 28APR00 .00 .00 0 805072 ###-###-####.39 28APR00 .00 .00 0 805358 10 29600 64 2183.80 29APR00 .00 .00 0 805447 11 27200 356.28 28APR00 .00 .00 0 805544 ###-###-####.59 29APR00 .00 .00 0 805684 11 27200 718.08 28APR00 .00 .00 0 805781 ###-###-####.28 20APR00 .00 .00 0 805889 ###-###-####.91 28APR00 .00 .00 0 805994 11 27200 259.77 24APR00 .00 .00 0 806087 11 27200 559.37 17APR00 .00 .00 0 806176 11 27200 170.96 04APR00 .00 .00 0 806249 11 27200 2.93 08MAR00 .00 .00 0 806346 ###-###-####.23 10NOV99 .00 .00 0 806354 ###-###-####.88 28APR00 .00 .00 0 806575 ###-###-####.86 28APR00 .00 .00 0 806605 ###-###-####.98 28APR00 .00 .00 0 806702 ###-###-####.22 27APR00 .00 .00 0 806796 11 27200 12769.27 19APR00 .00 .00 0 806907 11 27200 10.92 03APR00 .00 .00 0 807024 11 27200 974.45 28APR00 .00 .00 0 807245 11 27200 764.89 29APR00 .00 .00 0 807253 ###-###-####.07 28APR00 .00 .00 0 807318 ###-###-####.63 28APR00 .00 .00 0 807326 ###-###-####.73 28APR00 .00 .00 0 807385 ###-###-####.63 28APR00 .00 .00 0 807407 ###-###-####.61 08MAR00 .00 .00 0 807504 11 27200 86 1558.44 13JAN00 .00 .00 0 807555 ###-###-####.33 17APR00 .00 .00 0 807598 ###-###-####.92 28APR00 .00 .00 0 807644 11 27200 86 3047.71 28APR00 .00 .00 0 807652 ###-###-####.04 28APR00 .00 .00 0 807709 11 27200 .00 28FEB00 .00 .00 0 807733 ###-###-####.52 04APR00 .00 .00 0 807768 ###-###-####.06 05APR00 .00 .00 0 807814 11 27200 239.11 19APR00 .00 .00 0 807822 ###-###-####.70 19APR00 .00 .00 0 807857 11 27200 11251.56 26APR00 .00 .00 0 807938 11 27200 973.14 24APR00 .00 .00 0 808004 ###-###-####.45 24APR00 .00 .00 0 808012 11 27200 86 1.72 26APR00 .00 .00 0 808047 ###-###-####.10 27APR00 .00 .00 0 808101 11 27200 38 .00 22JUN98 .00 .00 0 808128 ###-###-####.35 27MAR00 .00 .00 0 808136 11 27200 16113.92 26APR00 .00 .00 0 808144 11 27200 12952.79 28APR00 .00 .00 0 808209 ###-###-####.42 10APR00 .00 .00 0 808225 ###-###-####.90 28APR00 .00 .00 0 808268 11 27200 475.38 16NOV99 .00 .00 0 808373 ###-###-####.75 24APR00 .00 .00 0 808489 ###-###-####.47 27APR00 .00 .00 0 808551 11 27200 40 2545.91 10MAR00 .00 .00 0 808578 ###-###-####.18 28APR00 .00 .00 0 808608 ###-###-####.38 24APR00 .00 .00 0 808632 ###-###-####.12 27APR00 .00 .00 0 808675 11 27200 257.55 20APR00 .00 .00 0 808683 11 27200 20348.61 21APR00 .00 .00 0 808705 11 27200 66.63 28APR00 .00 .00 0 808756 11 27200 272.61 24APR00 .00 .00 0 808764 ###-###-####.27 28APR00 .00 .00 0 808845 11 27200 689.79 27APR00 .00 .00 0 808853 11 27200 112.69 28APR00 .00 .00 0 808861 ###-###-####.97 26APR00 .00 .00 0 808888 11 27200 12078.90 24APR00 .00 .00 0 808926 11 27200 544.00 12APR00 .00 .00 0 808942 11 27200 583.99 26APR00 .00 .00 0 808977 11 27200 610.87 28APR00 .00 .00 0 808985 11 27200 9.65 13MAY99 .00 .00 0 809027 ###-###-####.55 14APR00 2.22 .00 0 809051 ###-###-####.83 28APR00 .00 .00 0 809078 11 27200 20.33 28APR00 .00 .00 0 809108 11 27200 14262.33 27APR00 .00 .00 0 809124 ###-###-####.69 28APR00 .00 .00 0 900023 11 27200 439.44 27JUL99 .00 .00 0 900201 11 27200 86 27.75 03APR00 .00 .00 0 900538 ###-###-####.43 28APR00 .00 .00 0 900635 11 27200 86 1375.62 12APR00 .00 .00 0 900724 ###-###-####.68 17APR00 .00 .00 0 900856 ###-###-####.68 28APR00 .00 .00 0 900872 ###-###-####.08 24APR00 .00 .00 0 901003 ###-###-####.37 28APR00 .00 .00 0 901062 ###-###-####.13 28APR00 .00 .00 0 902204 11 27200 319.81 24APR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 85 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 163 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 88 41700 38 .01 17MAY99 .00 .00 0 2 89 41700 38 .01 17MAY99 .00 .00 0 20119 86 40700 8708.07 19FEB99 30.10 .00 0 20248 86 53700 13228.34 17MAR99 60.33 .00 0 20292 87 41700 49 34652.81 25MAR99 122.73 .00 0 20324 86 40700 10954.67 31MAR99 37.87 .00 0 20332 87 41700 49 4547.53 05APR99 16.11 .00 0 20357 86 40700 2393.16 12APR99 8.27 .00 0 20436 86 40700 1284.97 03MAY99 4.44 .00 0 20437 86 40700 29174.54 03MAY99 100.85 .00 0 20459 86 40700 3312.66 10MAY99 11.45 .00 0 20460 86 40700 4416.82 10MAY99 15.27 .00 0 20466 83 39300 28638.01 14MAY99 95.59 .00 0 20512 86 40700 81503.08 26NOV99 281.73 .00 0 20544 86 40700 11089.44 26MAY99 38.33 .00 0 20605 86 40700 11577.67 09JUN99 40.02 .00 0 21187 86 40700 49 22850.19 17AUG99 78.99 .00 0 21188 86 40700 49 5772.80 17AUG99 19.95 .00 0 21189 86 40700 49 22850.19 17AUG99 78.99 .00 0 21190 86 40700 49 22850.19 17AUG99 78.99 .00 0 21191 86 40700 49 11545.59 17AUG99 39.91 .00 0 21192 86 40700 49 22850.19 17AUG99 78.99 .00 0 21913 87 58400 49 30221.17 16MAR00 149.90 .00 0 21914 83 55900 49 30211.68 16MAR00 143.44 .00 0 21921 83 55900 49 30211.68 16MAR00 143.44 .00 0 21922 87 58400 49 30221.17 16MAR00 149.90 .00 0 21253 86 53500 49 26272.37 20MAR00 12.14 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 164 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 90 43100 38 .01 17MAY99 .00 .00 0 2 91 43100 38 .01 17MAY99 .00 .00 0 2203 93 00000 88 .00 10APR00 .00 .00 0 20012 92 60600 60956.96 25JAN00 313.74 .00 0 20013 92 60200 10161.06 27JAN00 51.95 .00 0 20014 92 60200 49 60966.33 27JAN00 311.71 .00 0 20016 92 58400 49 10651.26 25JAN99 52.83 .00 0 20017 92 58400 14756.25 26JAN99 1 73.19 .00 0 20019 92 47900 28350.60 27JAN00 115.34 .00 0 20021 92 58400 37410.03 27JAN99 185.55 .00 0 20022 92 58400 34638.89 27JAN99 171.81 .00 0 20023 92 60600 24191.19 03FEB00 124.51 .00 0 20027 92 58400 47 4085.62 28JAN99 20.26 .00 0 20028 ###-###-####.34 28JAN99 32.13 .00 0 20030 92 61500 47437.06 29JAN99 247.78 .00 0 20033 92 58400 54781.43 02FEB00 271.72 .00 0 20034 92 47900 19537.55 29JAN99 79.48 .00 0 20036 92 58400 20759.01 29JAN99 102.96 .00 0 20038 92 62500 40 20239.09 01FEB99 107.43 .00 0 20041 92 58400 21282.87 01FEB99 105.56 .00 0 20048 92 62500 69549.10 03FEB99 369.18 .00 0 20049 92 62500 69447.58 03FEB00 368.64 .00 0 20050 92 61600 50728.35 28APR00 265.40 .00 0 20051 92 47900 37992.78 03FEB99 154.56 .00 0 20052 92 47900 10609.89 04FEB99 43.16 .00 0 20053 92 60600 3043.54 04FEB00 15.66 .00 0 20054 ###-###-####.12 04FEB99 37.35 .00 0 20055 ###-###-####.02 05FEB99 27.77 .00 0 20056 92 60600 14351.68 05FEB99 73.87 .00 0 20058 92 58400 49 5317.35 05FEB99 26.37 .00 0 20060 92 60600 27685.56 08FEB99 142.49 .00 0 20062 92 61100 68666.86 07OCT99 356.33 .00 0 20067 92 47900 16481.62 14FEB00 67.05 .00 0 20068 92 60600 21287.18 09FEB00 109.56 .00 0 20073 92 60600 15202.74 11FEB00 78.25 .00 0 20075 92 60600 5570.77 10FEB99 28.67 .00 0 20076 ###-###-####.08 11FEB99 21.56 .00 0 20077 93 58400 10437.85 09FEB00 51.77 .00 0 20080 92 60600 24694.82 14FEB00 127.10 .00 0 20089 92 60600 49 12450.27 16FEB99 64.08 .00 0 20093 92 60600 49 45472.59 16FEB99 234.04 .00 0 20096 92 60600 49 14885.33 16FEB99 76.61 .00 0 20106 92 47900 49 105921.82 17FEB00 430.91 .00 0 20107 92 62500 75241.59 17FEB99 399.40 .00 0 20108 92 62500 75241.60 17FEB99 399.40 .00 0 20114 92 58400 29474.10 19FEB99 146.19 .00 0 20116 92 60600 49 10615.54 19FEB99 54.64 .00 0 20118 92 60600 49 10116.05 22FEB00 52.07 .00 0 20120 92 60600 49 1312.21 19FEB99 6.75 .00 0 20124 99 60600 49 31687.49 22FEB99 1920.26 .00 0 20127 92 60600 49 7637.87 22FEB99 39.31 .00 0 20129 92 60600 49 17501.58 23FEB99 90.08 .00 0 20132 92 60600 49 27290.13 23FEB99 140.46 .00 0 20139 92 47900 49 15873.20 24FEB99 64.58 .00 0 20141 92 60600 49 76061.49 24FEB99 391.48 .00 0 20142 93 58400 49 9230.70 26NOV99 45.78 .00 0 20143 93 58400 49 9235.83 26NOV99 45.81 .00 0 20144 92 58400 49 12475.53 26NOV99 61.88 .00 0 20146 92 60600 49 31692.97 24FEB99 163.12 .00 0 20149 92 60600 49 13303.76 25FEB99 68.47 .00 0 20150 92 58400 49 69596.37 25FEB99 345.20 .00 0 20151 92 62500 49 16760.92 25FEB99 88.97 .00 0 20152 ###-###-####.58 25FEB00 9.05 .00 0 20154 93 47900 49 49859.40 25FEB99 202.84 .00 0 20157 92 60600 49 13176.58 26FEB99 67.82 .00 0 20161 92 60600 49 1210.20 26FEB99 6.23 .00 0 20170 92 60600 49 10000.00 29FEBOO 1 51.47 .00 0 20172 93 47900 49 2720.72 01MAR99 11.07 .00 0 20173 92 62500 49 53555.45 02MAR00 284.28 .00 0 20174 92 62500 49 9094.71 07MAR00 48.28 .00 0 20175 92 60600 49 30305.09 03MAR00 155.98 .00 0 20176 92 60600 49 34759.96 01MAR99 178.90 .00 0 20177 92 60600 49 28189.46 01MAR99 145.09 .00 0 20178 92 60600 49 28189.46 01MAR99 145.09 .00 0 20180 92 60600 49 28582.98 01MAR99 147.11 .00 0 20181 92 60600 49 12969.88 01MAR99 66.75 .00 0 20184 92 60600 49 100999.47 03MAR00 519.83 .00 0 20189 92 60600 49 74158.39 03MAR99 381.68 .00 0 20190 92 60600 49 10000.00 03MAROO 1 51.47 .00 0 20191 92 60600 49 26577.67 03MAR99 136.79 .00 0 20192 92 60600 49 15000.00 07MAROO 1 77.20 .00 0 20193 92 47900 49 15223.92 03MAR99 61.93 .00 0 20195 92 62500 49 14508.02 03MAR99 77.01 .00 0 20197 92 47900 49 37216.63 03MAR99 151.41 .00 0 20200 92 62500 49 1178.18 04MAR99 6.25 .00 0 20201 92 62500 49 36175.13 04MAR99 192.03 .00 0 20202 92 62500 49 36175.13 04MAR99 192.03 .00 0 20203 92 62500 49 5721.56 04MAR99 30.37 .00 0 20205 92 62500 49 12399.73 04MAR99 65.82 .00 0 20206 92 62500 49 60045.29 05MAR99 318.73 .00 0 20208 99 62500 49 20662.97 08MAR00 1294.89 .00 0 20209 92 62500 49 20196.02 07MAR00 107.20 .00 0 20212 92 62500 49 22866.92 08MAR99 121.38 .00 0 20214 92 62500 49 41379.97 08MAR00 219.65 .00 0 20215 92 65800 49 22211.74 09MAR00 124.13 .00 0 20217 92 65800 49 10097.67 09MAR00 56.43 .00 0 20221 92 65800 49 33545.57 09MAR99 187.47 .00 0 20223 92 65800 35713.83 09MAR99 199.59 .00 0 20224 92 47900 49 10564.15 09MAR99 42.98 .00 0 20225 93 65800 80128.85 24APR00 447.80 .00 0 20226 92 64500 40 91154.83 09MAR00 499.35 .00 0 20227 92 60600 49 28336.00 10MAR99 145.84 .00 0 20228 92 60600 49 6381.34 10MAR00 32.84 .00 0 20231 ###-###-####.21 14MAR00 44.38 .00 0 20232 92 65800 49 13764.05 11MAR99 76.92 .00 0 20233 92 65800 49 10097.83 13MAR00 56.43 .00 0 20235 92 65800 49 59493.92 11MAR99 332.48 .00 0 20236 93 65800 29426.53 12MAR99 164.45 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 157 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 902212 11 27200 7.99 28APR00 .00 .00 0 902328 11 27200 15386.60 26APR00 .00 .00 0 902379 11 27200 86 31538.04 26APR00 .00 .00 0 902417 11 27200 12216.96 28APR00 .00 .00 0 902425 11 27200 889.28 28APR00 .00 .00 0 902433 11 27200 16558.60 29APR00 .00 .00 0 902441 ###-###-####.29 28APR00 .00 .00 0 902468 ###-###-####.30 10FEB00 .00 .00 0 902506 11 27200 19353.77 28APR00 .00 .00 0 902557 ###-###-####.09 05APR00 .00 .00 0 902565 ###-###-####.42 28APR00 .00 .00 0 902581 ###-###-####.53 28APR00 .00 .00 0 902638 11 27200 32329.72 28APR00 .00 .00 0 902646 ###-###-####.49 06MAR00 .00 .00 0 902654 ###-###-####.04 30JUL99 .00 .00 0 902719 ###-###-####.60 20APR00 .00 .00 0 902751 ###-###-####.41 27APR00 .00 .00 0 902786 11 27200 551.00 28APR00 .00 .00 0 902808 11 27200 888.29 25APR00 .00 .00 0 902859 ###-###-####.31 29APR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 35 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 158 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 35 00000 38 .01 17MAY99 .00 .00 0 820 38 58300 38 71850.98 28APR00 355.77 .00 0 2094 38 63000 22345.36 23MAY97 119.56 .00 0 2349 34 58300 86086.47 23NOV90 426.26 .00 0 2457 38 58300 19251.10 20AUG98 95.32 .00 0 2492 38 60600 5000.00 08MAY92 1 25.73 .00 0 2499 38 60600 5000.00 08MAY92 1 25.73 .00 0 2584 38 61600 17807.44 23DEC93 1 93.16 .00 0 2595 30 52100 28157.94 12MAY94 124.60 .00 0 2613 38 58300 17634.17 20JUL94 1 87.32 .00 0 2687 30 60600 2931.79 12MAY97 15.09 .00 0 2727 34 58300 42588.M8 27MAY98 210.88 .00 0 2733 38 60600 17500.00 22NOV94 1 90.07 .00 0 2734 38 60600 17500.00 22NOV94 1 90.07 .00 0 2784 38 55900 18000.00 19DEC94 1 85.46 .00 0 2796 38 61600 36221.06 05JAN95 1 189.50 .00 0 2814 ###-###-####.84 09JAN95 16.81 .00 0 2838 ###-###-####.95 20JAN95 5.60 .00 0 2910 38 73700 98994.15 28APR00 619.65 .00 0 2911 38 73700 105423.43 28APR00 659.89 .00 0 2925 38 55000 27551.14 14MAR95 128.70 .00 0 3054 ###-###-####.07 01MAY95 34.59 .00 0 3069 38 59200 65813.28 08MAY95 1 330.91 .00 0 3087 38 59700 33628.72 15MAY95 170.51 .00 0 3119 ###-###-####.26 30MAY95 24.75 .00 0 3138 38 60600 100000.00 06JUN95 1 514.68 .00 0 3146 30 61600 107575.57 11JUN97 562.81 .00 0 3149 38 60600 20889.99 12JUN95 107.52 .00 0 3162 38 60200 62872.25 08SEP99 321.46 .00 0 3163 38 60200 64946.17 08SEP99 332.06 .00 0 3175 38 61600 11007.31 27JUN95 1 57.59 .00 0 3185 ###-###-####.38 05JUL95 32.04 .00 0 3189 38 58300 100000.00 07JUL95 1 495.15 .00 0 3195 38 56900 59478.91 10JUL95 287.44 .00 0 3213 36 55900 38 23356.77 15NOV99 110.89 .00 0 3221 38 61600 60000.00 14JUL97 1 313.91 .00 0 3272 38 53500 25614.84 10AUG98 116.39 .00 0 3281 36 52100 7663.47 11AUG95 33.91 .00 0 3289 38 58300 23689.56 18AUG95 117.30 .00 0 3297 38 53500 26727.55 22AUG95 121.45 .00 0 3305 36 52100 5188.12 28AUG95 22.96 .00 0 3317 38 58300 51045.08 13SEP95 1 252.75 .00 0 3318 38 58300 51045.08 13SEP95 1 252.75 .00 0 3415 38 60600 8570.29 27OCT97 44.11 .00 0 3424 38 60600 38 26439.22 31OCT95 136.08 .00 0 3425 38 60600 50484.20 29OCT99 259.83 .00 0 3452 38 51200 34294.38 12NOV97 149.13 .00 0 3479 38 60600 13027.80 21NOV95 67.05 .00 0 3512 ###-###-####.40 04DEC95 33.32 .00 0 3523 ###-###-####.33 05DEC95 25.89 .00 0 3547 38 58700 38 94910.58 15DEC99 473.17 .00 0 3548 38 58700 38 91850.24 15DEC99 457.92 .00 0 3551 38 59200 25000.00 13DEC95 1 125.70 .00 0 3552 38 59200 25000.00 13DEC95 1 125.70 .00 0 3597 ###-###-####.01 02JAN96 40.49 .00 0 3598 ###-###-####.01 02JAN96 40.49 .00 0 3602 ###-###-####.98 02JAN96 45.54 .00 0 3610 38 59200 85872.28 09JAN96 431.76 .00 0 3628 38 59200 102635.31 16JAN96 516.04 .00 0 3785 38 55900 110836.13 11MAR96 526.21 .00 0 3816 38 55000 2526.60 25MAR96 11.80 .00 0 3890 38 56900 100000.00 06MAY96 1 483.26 .00 0 3928 34 55000 1242.57 31MAY96 5.80 .00 0 3958 ###-###-####.82 04JUN96 31.08 .00 0 3959 ###-###-####.49 04JUN96 33.08 .00 0 3984 ###-###-####.09 06JUN96 9.37 .00 0 4001 38 58300 62145.24 07JUN96 1 307.71 .00 0 4004 38 58300 38 21014.72 28APR00 104.05 .00 0 4008 38 58300 37633.32 10JUN96 186.34 .00 0 4021 38 61600 37895.84 11JUN96 198.26 .00 0 4117 ###-###-####.14 08JUL96 41.15 .00 0 4126 38 58300 64159.38 09JUL96 1 317.69 .00 0 4138 38 60600 38 11354.40 09DEC99 58.44 .00 0 4154 38 58300 38 26589.39 20JAN00 131.66 .00 0 4155 38 61600 38 26863.68 09DEC99 140.54 .00 0 4167 38 58300 24692.51 19AUG96 1 122.27 .00 0 4177 38 60600 38 5437.63 10DEC99 27.99 .00 0 4199 38 60200 32500.00 30JUL96 1 166.17 .00 0 4204 34 52100 19691.41 02AUG96 87.13 .00 0 4223 38 60600 29000.00 12AUG96 1 149.26 .00 0 4226 30 58300 11586.80 14AUG97 57.37 .00 0 4235 34 52100 6595.24 15AUG96 29.18 .00 0 4239 38 60600 38 17472.14 09DEC99 89.93 .00 0 4254 38 55900 10003.07 08OCT96 1 47.49 .00 0 4262 38 60600 38 7606.34 10DEC99 39.15 .00 0 4312 34 52100 26169.92 31AUG99 1 115.80 .00 0 4334 34 54000 38 44704.61 15DEC99 205.03 .00 0 4338 34 52100 71914.16 01OCT98 318.22 .00 0 4354 34 49700 36255.03 08OCT96 153.04 .00 0 4363 34 63000 38 4012.54 20MAR00 21.47 .00 0 4367 38 60600 12389.58 17OCT96 63.77 .00 0 4377 38 63000 6864.30 25OCT96 36.73 .00 0 4381 38 64900 25121.89 25OCT96 138.47 .00 0 4382 38 64900 25121.89 25OCT96 138.47 .00 0 4383 38 64900 12560.98 25OCT96 69.24 .00 0 4384 38 64900 25121.89 25OCT96 138.47 .00 0 4385 38 64900 12560.98 25OCT96 69.24 .00 0 4386 38 64900 12560.98 25OCT96 69.24 .00 0 4387 38 64900 12560.98 25OCT96 69.24 .00 0 4388 38 64900 25121.89 25OCT96 138.47 .00 0 4389 38 64900 12560.98 25OCT96 69.24 .00 0 4390 38 64000 50263.11 03APR00 273.21 .00 0 4397 38 63000 10621.90 28OCT96 56.83 .00 0 4399 38 63000 31178.59 28OCT96 166.83 .00 0 4409 38 60600 11518.00 20JAN98 59.28 .00 0 4410 38 63000 12510.11 01NOV96 66.94 .00 0 4431 34 49700 23408.65 16MAY97 98.81 .00 0 4432 34 49700 67634.38 12NOV96 285.49 .00
INST 75P BRANCH 50 SEQ-TYPE 35 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 159 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 4434 38 64000 100526.22 03APR00 546.42 .00 0 4436 38 63000 5500.00 14NOV96 1 29.43 .00 0 4439 34 48800 26921.80 15NOV96 111.58 .00 0 4445 38 63000 3106.00 18NOV96 16.62 .00 0 4448 34 48800 114761.59 19NOV96 475.65 .00 0 4452 38 60600 6729.19 19NOV96 34.63 .00 0 4453 38 63000 68333.63 19NOV96 365.63 .00 0 4454 38 63000 38 9612.04 10DEC99 51.43 .00 0 4472 38 63000 30991.31 02DEC96 165.82 .00 0 4474 38 63000 30991.31 02DEC96 165.82 .00 0 4477 38 63000 55784.41 02DEC96 298.48 .00 0 4478 38 63000 12396.53 02DEC96 66.33 .00 0 4482 34 48800 18946.61 03DEC96 78.53 .00 0 4484 38 60600 3688.09 03DEC96 18.98 .00 0 4488 38 63000 24784.55 04DEC96 132.61 .00 0 4497 38 63000 6194.51 05DEC96 33.14 .00 0 4517 38 60600 5891.16 13DEC96 30.32 .00 0 4519 38 60600 7363.94 13DEC96 37.90 .00 0 4541 38 60600 1223.88 30DEC96 6.30 .00 0 4542 34 48800 19668.50 31DEC96 81.52 .00 0 4543 38 60600 5626.98 02JAN97 28.96 .00 0 4544 38 60600 5626.98 02JAN97 28.96 .00 0 4548 ###-###-####.43 03JAN97 9.22 .00 0 4557 38 60600 86631.11 07JAN97 445.88 .00 0 4599 38 60600 38 52955.02 24JAN97 272.55 .00 0 4602 38 60600 11517.41 20JAN98 59.28 .00 0 4610 38 60600 34655.12 13NOV97 178.36 .00 0 4623 38 60600 27001.62 28JAN97 138.97 .00 0 4639 38 60600 12185.70 07FEB97 62.72 .00 0 4640 38 60600 2435.19 30JAN97 12.53 .00 0 4651 38 60600 38 33733.51 01FEB99 173.62 .00 0 4652 38 60600 97342.63 03FEB97 501.01 .00 0 4726 38 60600 18185.20 25FEB97 93.60 .00 0 4728 38 60600 75150.78 25FEB97 386.79 .00 0 4734 38 60600 5512.41 27FEB97 28.37 .00 0 4880 38 60600 6013.63 14APR97 30.95 .00 0 4884 38 60600 35749.78 17APR97 184.00 .00 0 4917 38 63000 12092.20 25APR97 64.70 .00 0 4918 38 63000 12092.20 25APR97 64.70 .00 0 4919 38 63000 24184.34 25APR97 129.40 .00 0 4920 38 63000 24184.34 25APR97 129.40 .00 0 4921 38 63000 24184.34 25APR97 129.40 .00 0 4922 38 63000 24184.34 25APR97 129.40 .00 0 4923 38 63000 24184.34 25APR97 129.40 .00 0 4924 38 63000 24184.34 25APR97 129.40 .00 0 4931 38 60600 17993.04 30APR97 92.61 .00 0 4942 38 60600 39000.00 05JUN97 1 200.73 .00 0 4943 38 60600 53000.00 05JUN97 1 272.78 .00 0 4945 38 60600 7191.22 05MAY97 37.01 .00 0 4956 38 60600 29948.56 08MAY97 154.14 .00 0 4957 38 60600 29948.56 08MAY97 154.14 .00 0 4958 38 60600 23954.84 09MAY97 123.29 .00 0 4995 38 61600 47898.57 28MAY97 250.59 .00 0 5004 38 61600 50000.00 30MAY97 1 261.59 .00 0 5029 38 62500 116282.97 08DEC97 617.26 .00 0 5041 ###-###-####.83 11JUN97 40.97 .00 0 5043 38 61600 11942.37 13JUN97 62.48 .00 0 5044 38 60600 5954.01 13JUN97 30.64 .00 0 5054 38 61600 95389.95 16JUN97 499.06 .00 0 5055 38 61600 14652.25 16JUN97 76.66 .00 0 5056 ###-###-####.63 18JUN97 44.60 .00 0 5060 ###-###-####.13 19JUN97 37.45 .00 0 5064 38 61600 10000.00 20JUN97 1 52.32 .00 0 5067 38 61600 17892.40 20JUN97 93.61 .00 0 5073 ###-###-####.01 23JUN97 18.43 .00 0 5082 38 61600 11914.17 27JUN97 62.33 .00 0 5091 38 61600 38 59843.66 30JUN97 313.09 .00 0 5095 38 61600 102392.85 01JUL97 535.70 .00 0 5099 38 63000 38 35731.92 13JUL99 191.19 .00 0 5100 38 63000 38 83092.80 13JUL99 444.60 .00 0 5102 ###-###-####.00 03JUL97 1 26.16 .00 0 5128 38 61600 15658.95 11JUL97 81.92 .00 0 5131 38 63000 105420.35 26JUL99 564.07 .00 0 5140 38 63000 105420.35 26JUL99 564.07 .00 0 5150 38 61600 28019.24 17JUL97 146.59 .00 0 5152 38 61600 18454.71 17JUL97 96.55 .00 0 5164 ###-###-####.50 21JUL97 47.25 .00 0 5165 38 62600 97634.23 22JUL97 519.09 .00 0 5201 38 61600 67901.61 29JUL97 1 355.25 .00 0 5212 ###-###-####.15 30JUL97 38.53 .00 0 5215 ###-###-####.62 30JUL97 12.40 .00 0 5226 38 61600 35532.10 01AUG97 185.90 .00 0 5240 38 61600 35612.36 04AUG97 186.32 .00 0 5247 ###-###-####.94 05AUG97 22.73 .00 0 5248 38 55900 38 122763.17 05AUG97 582.84 .00 0 5253 ###-###-####.78 07AUG97 35.10 .00 0 5255 38 58300 38 56725.06 07AUG97 280.87 .00 0 5271 ###-###-####.74 15AUG97 12.80 .00 0 5278 ###-###-####.79 19AUG97 13.29 .00 0 5287 38 58300 10000.00 25AUG97 1 49.52 .00 0 5294 38 58300 13575.64 29AUG97 67.22 .00 0 5295 38 58300 10184.11 29AUG97 50.43 .00 0 5296 38 58300 10184.11 29AUG97 50.43 .00 0 5299 38 58300 11684.84 29AUG97 57.86 .00 0 5303 38 58300 38 79356.42 09FEB99 392.93 .00 0 5304 38 58300 38 17761.17 02SEP97 87.94 .00 0 5311 38 58300 41000.00 08SEP97 1 203.01 .00 0 5325 38 60600 10546.03 18SEP97 54.28 .00 0 5327 38 60600 52053.19 01SEP99 267.91 .00 0 5328 38 60600 52053.19 01SEP99 267.91 .00 0 5335 38 61600 58692.84 23SEP97 307.07 .00 0 5345 38 60600 7022.53 25SEP97 36.14 .00 0 5352 38 61600 33576.66 08SEP99 175.67 .00 0 5353 38 61600 33576.66 08SEP99 175.67 .00 0 5359 38 61100 2828.63 21JUN99 14.68 .00 0 5379 38 60600 100000.00 02AUG99 1 514.68 .00 0 5386 38 60600 23058.98 27JAN98 118.68 .00 0 5387 38 60600 7309.81 09OCT97 37.62 .00
INST 75P BRANCH 50 SEQ-TYPE 35 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 160 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 5388 38 60600 88795.49 10OCT97 457.02 .00 0 5398 38 60600 93338.80 14OCT97 480.40 .00 0 5413 38 60600 100000.00 17OCT97 1 514.68 .00 0 5419 38 60600 40000.00 17OCT97 1 205.87 .00 0 5426 38 60600 5827.85 20OCT97 30.00 .00 0 5427 38 60600 5827.85 20OCT97 30.00 .00 0 5429 38 60600 3496.74 20OCT97 18.00 .00 0 5442 38 60600 5825.92 22OCT97 29.99 .00 0 5443 38 60600 18703.40 22OCT97 96.26 .00 0 5448 38 61100 38 72571.50 30DEC97 376.60 .00 0 5450 38 60600 22333.87 23OCT97 114.95 .00 0 5465 38 60600 100000.00 18AUG99 1 514.68 .00 0 5491 38 60600 100000.00 06NOV97 1 514.68 .00 0 5496 38 60600 107340.57 10MAR99 552.47 .00 0 5502 38 60600 11609.36 13NOV97 59.75 .00 0 5507 38 60600 2321.48 14NOV97 11.95 .00 0 5518 38 60600 1159.79 19NOV97 5.97 .00 0 5519 38 60600 1159.79 19NOV97 5.97 .00 0 5520 38 60600 1159.79 19NOV97 5.97 .00 0 5521 38 60600 1159.79 19NOV97 5.97 .00 0 5522 38 60600 1159.79 19NOV97 5.97 .00 0 5523 38 60600 1159.79 19NOV97 5.97 .00 0 5524 38 60600 1159.79 19NOV97 5.97 .00 0 5525 38 60600 1159.79 19NOV97 5.97 .00 0 5526 38 60600 1159.79 19NOV97 5.97 .00 0 5527 38 60600 1159.79 19NOV97 5.97 .00 0 5528 38 61600 81369.57 20NOV97 425.71 .00 0 5529 38 61600 81369.57 20NOV97 425.71 .00 0 5537 38 60600 29869.79 21NOV97 153.74 .00 0 5538 38 60600 38 29135.32 29MAR99 149.96 .00 0 5542 38 60600 28970.51 24NOV97 149.11 .00 0 5545 38 60600 100000.00 18OCT99 1 514.68 .00 0 5549 38 60600 54022.47 28NOV97 278.05 .00 0 5568 38 60600 23137.94 04DEC97 119.09 .00 0 5570 38 60600 22555.75 05DEC97 116.09 .00 0 5577 38 60600 94554.84 08DEC97 486.66 .00 0 5582 38 60600 10001.71 08DEC97 1 51.48 .00 0 5586 38 60600 2889.85 14DEC98 14.87 .00 0 5599 38 60600 28884.06 12DEC97 148.66 .00 0 5602 38 60600 100000.00 15DEC97 1 514.68 .00 0 5605 38 60600 8082.16 16DEC97 41.60 .00 0 5620 38 60600 15539.78 22DEC97 79.98 .00 0 5624 38 60200 47705.82 08SEP99 243.91 .00 0 5626 38 60600 11530.63 01MAR99 59.35 .00 0 5627 38 60600 37161.51 23DEC97 191.26 .00 0 5628 38 60600 4530.16 23DEC97 23.32 .00 0 5632 38 59200 26063.30 30DEC97 131.04 .00 0 5639 ###-###-####.95 06JAN98 11.33 .00 0 5643 ###-###-####.17 07JAN98 22.66 .00 0 5644 38 58300 11442.93 07JAN98 56.66 .00 0 5646 ###-###-####.21 08JAN98 11.33 .00 0 5659 38 58300 28575.38 14JAN98 141.49 .00 0 5665 38 58300 58006.14 15JAN98 28722 .00 0 5667 ###-###-####.55 16JAN98 39.60 .00 0 5668 ###-###-####.97 16JAN98 16.97 .00 0 5701 ###-###-####.51 31MAR98 10.67 .00 0 5712 ###-###-####.54 07APR98 5.38 .00 0 5713 ###-###-####.54 07APR98 5.38 .00 0 5717 ###-###-####.22 08APR98 10.12 .00 0 5718 ###-###-####.46 08APR98 5.34 .00 0 5755 38 55900 16797.27 22APR98 79.75 .00 0 5777 38 55900 36705.60 01MAY98 174.27 .00 0 5806 ###-###-####.39 15MAY98 11.40 .00 0 5812 34 58300 40000.00 30NOV98 1 198.06 .00 0 5818 34 58300 28028.45 15MAY98 138.18 .00 0 5819 38 59200 28077.90 15MAY98 141.17 .00 0 5827 38 59200 14000.00 01DEC99 1 70.39 .00 0 5843 ###-###-####.77 19MAY98 11.29 .00 0 5863 34 58300 30241.75 21MAY98 149.74 .00 0 5866 38 59700 28076.77 21MAY98 142.36 .00 0 5870 38 59700 42487.81 22MAY98 215.43 .00 0 5872 34 58300 83991.42 22MAY98 415.88 .00 0 5874 ###-###-####.57 22MAY98 8.73 .00 0 5879 ###-###-####.84 27MAY98 28.18 .00 0 5883 34 58300 100000.00 27MAY98 1 495.15 .00 0 5884 38 59700 22440.22 27MAY98 113.78 .00 0 5911 38 58300 80464.53 04JUN98 398.42 .00 0 5914 38 58300 44695.35 05JUN98 221.31 .00 0 5922 38 58300 14512.08 11JUN98 71.86 .00 0 5945 38 56900 17780.68 23JUN98 85.93 .00 0 5951 38 58300 37342.91 25JUN98 184.90 .00 0 5952 38 58300 37342.91 25JUN98 184.90 .00 0 6080 34 55000 77190.93 21JUL98 360.58 .00 0 6081 38 56900 22129.03 21JUL98 106.94 .00 0 6082 38 56900 22129.00 21JUL98 106.94 .00 0 6092 38 55900 27505.80 30JUL98 130.59 .00 0 6108 38 55900 45105.69 25AUG98 214.15 .00 0 6111 ###-###-####.36 27AUG98 19.93 .00 0 6117 ###-###-####.63 04SEP98 9.92 .00 0 6122 34 52100 34831.59 14SEP98 154.13 .00 0 6126 38 55900 38 10942.20 31OCT98 51.95 .00 0 6137 ###-###-####.79 28SEP98 5.41 .00 0 6139 34 52100 10862.66 29DEC99 48.07 .00 0 6141 38 53500 14149.33 30SEP98 64.29 .00 0 6142 38 53500 23945.03 30SEP98 108.80 .00 0 6149 38 51200 38 9875.48 15DEC99 42.94 .00 0 6166 38 52100 108198.12 26OCT98 478.77 .00 0 6171 38 51200 22933.53 29OCT98 99.73 .00 0 6179 ###-###-####.18 18MAY99 18.93 .00 0 6180 ###-###-####.47 06NOV98 32.72 .00 0 6182 38 65800 55534.52 10NOV98 310.35 .00 0 6194 34 48800 10732.97 18NOV98 44.68 .00 0 6200 38 48800 45748.72 20NOV98 189.61 .00 0 6205 ###-###-####.98 27NOV98 8.69 .00 0 6206 ###-###-####.98 27NOV98 8.69 .00
INST 75P BRANCH 50 SEQ-TYPE 45 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 161 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 2601 44 60000 99000.00 27MAY94 1 504.49 .00 0 3438 45 52500 99000.00 02NOV95 1 441.43 .00 0 3459 45 63000 99000.00 13NOV95 1 529.72 .00 0 3529 47 60500 99000.00 06DEC95 1 508.70 .00 0 3538 45 62500 99000.00 07DEC95 1 525.51 .00 0 3550 45 62500 99000.00 07DEC95 1 525.51 .00 0 3737 47 57500 99000.00 29FEB96 1 483.47 .00
INST 75P BRANCH 50 SEQ-TYPE 75 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 162 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 71 00000 38 .01 17MAY99 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 165 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20237 92 64900 49 13707.90 14MAR00 75.56 .00 0 20238 92 65800 49 23288.84 12MAR99 130.15 .00 0 20239 93 65800 35316.47 13MAR00 197.37 .00 0 20240 92 65800 49 43726.16 17MAR00 244.36 .00 0 20241 92 60600 49 30000.39 16MAR99 154.41 .00 0 20249 92 65800 49 64982.86 20MAR00 1 363.16 .00 0 20250 92 65800 49 5595.35 17MAR00 31.27 .00 0 20251 92 60600 49 2113.92 17MAR99 10.88 .00 0 20255 93 65800 49 10834.29 17MAR99 60.55 .00 0 20256 92 60600 49 7087.29 18MAR99 36.48 .00 0 20258 93 65800 24716.32 18MAR99 138.13 .00 0 20260 92 47900 49 12683.73 18MAR99 51.60 .00 0 20261 92 65800 49 20390.69 20MAR00 113.95 .00 0 20267 92 64400 49 90080.28 19MAR99 492.70 .00 0 20269 92 47900 49 7681.53 19MAR99 31.25 .00 0 20270 92 47900 49 7681.53 19MAR99 31.25 .00 0 20271 92 47900 49 7681.52 19MAR99 31.25 .00 0 20273 93 65800 49 14136.56 19MAR99 79.00 .00 0 20274 92 65800 49 13910.08 22MAR99 77.74 .00 0 20278 92 47900 49 74566.99 23MAR00 1 303.35 .00 0 20280 92 47900 49 14250.88 22MAR99 57.98 .00 0 20287 92 47900 49 10546.19 22MAR99 42.90 .00 0 20290 92 65800 49 16050.96 07APR00 89.70 .00 0 20291 92 62500 49 8267.23 23MAR99 43.88 .00 0 20293 92 65800 49 1846.08 25MAR99 10.32 .00 0 20298 93 65800 12051.72 19APR00 67.35 .00 0 20299 93 65800 11070.66 27MAR00 61.87 .00 0 20300 92 64400 49 22164.17 26MAR99 121.23 .00 0 20301 93 65800 49 32099.56 26MAR99 179.39 .00 0 20302 92 64400 49 4614.74 26MAR99 25.24 .00 0 20304 92 60600 49 2110.74 26MAR99 10.86 .00 0 20307 92 66300 49 32933.10 26MAR99 185.44 .00 0 20308 92 66300 49 32933.10 26MAR99 185.44 .00 0 20309 92 60600 49 2110.74 26MAR99 10.86 .00 0 20311 93 65800 10794.86 08JUL99 1 60.33 .00 0 20313 92 47900 49 10536.50 29MAR99 42.86 .00 0 20314 93 65800 49 20309.45 29MAR99 113.50 .00 0 20319 92 65800 49 10050.89 06APR00 56.17 .00 0 20320 92 65800 49 71008.01 30MAR00 396.83 .00 0 20321 92 47900 49 2106.74 31MAR99 8.57 .00 0 20322 92 47900 49 2106.74 31MAR99 8.57 .00 0 20323 92 64400 49 37111.79 31MAR99 202.99 .00 0 20325 92 64400 49 19120.55 31MAR99 104.58 .00 0 20327 92 65800 49 7470.24 03APR00 41.75 .00 0 20330 92 64400 49 26621.57 05APR00 145.61 .00 0 20331 92 64400 49 30137.62 05APR00 164.84 .00 0 20333 92 64400 49 10539.17 05APR99 57.64 .00 0 20334 92 66300 49 22103.81 06APR00 124.47 .00 0 20335 93 67700 49 11457.25 05APR00 65.88 .00 0 20336 93 67700 49 10943.47 05APR99 62.92 .00 0 20339 92 60600 69 4330.00 08APR99 22.29 .00 0 20340 92 64400 49 25450.00 18APR00 1 139.20 .00 0 20341 92 64400 49 2367.52 08APR99 12.95 .00 0 20343 92 64400 49 2367.52 08APR99 12.95 .00 0 20345 92 64400 49 84254.25 09APR99 460.84 .00 0 20346 92 65600 49 12123.16 09APR99 67.54 .00 0 20347 92 47900 49 96300.19 09APR99 391.77 .00 0 20348 92 64400 49 7026.55 11APR00 38.43 .00 0 20350 93 67700 49 3636.42 09APR99 20.91 .00 0 20352 92 64400 49 10039.25 14APR00 54.91 .00 0 20354 93 67700 49 90317.17 12APR00 519.31 .00 0 20355 92 66300 49 2105.46 12APR99 11.86 .00 0 20356 92 66300 49 2105.46 12APR99 11.86 .00 0 20359 92 64400 49 37124.04 12APR00 203.05 .00 0 20361 92 64400 49 72237.32 14APR99 395.11 .00 0 20362 92 66300 49 3137.08 13APR00 17.66 .00 0 20363 92 66300 49 3137.08 13APR00 17.66 .00 0 20366 92 66300 49 13794.01 14APR99 77.67 .00 0 20367 92 66300 49 13794.01 14APR99 77.67 .00 0 20368 92 47900 49 2439.80 14APR99 9.93 .00 0 20372 ###-###-####.44 14APR99 4.28 .00 0 20373 92 64400 49 31567.60 14APR99 172.66 .00 0 20375 92 47900 49 2338.26 15APR99 9.51 .00 0 20378 92 65800 49 11332.73 19APR00 1 72.22* .00 0 20379 92 64400 49 50133.62 19APR00 274.21 .00 0 20382 92 47900 49 13211.15 19APR99 53.75 .00 0 20385 92 64400 49 60127.04 19APR00 328.87 .00 0 20386 92 64400 49 23356.27 20APR99 127.75 .00 0 20387 92 64400 49 23356.27 20APR99 127.75 .00 0 20388 93 65800 49 11873.53 26NOV99 66.36 .00 0 20390 92 66300 49 91069.11 20APR99 512.81 .00 0 20395 92 66300 49 1101.97 24APR00 6.21 .00 0 20396 92 64400 49 3898.99 24NOV99 21.33 .00 0 20397 92 64400 49 1465.54 24N0V99 8.02 .00 0 20398 92 64400 49 105518.38 21APR99 577.14 .00 0 20401 92 66300 49 58209.48 21APR99 327.78 .00 0 20402 92 47900 49 5570.62 22APR99 22.66 .00 0 20403 92 64400 49 30105.35 25APR00 164.66 .00 0 20404 92 64400 49 10507.73 22APR99 57.47 .00 0 20406 99 64400 49 59526.94 26APR99 3844.04 .00 0 20407 92 64400 49 11462.82 23APR99 62.70 .00 0 20408 92 66300 49 15070.94 25APR00 84.86 .00 0 20411 92 66300 49 12715.93 23APR99 71.60 .00 0 20412 92 64400 49 52501.52 26APR99 287.16 .00 0 20415 92 64400 49 8792.22 26APR99 48.09 .00 0 20419 92 47900 49 2338.58 27APR99 9.51 .00 0 20422 92 47900 49 26233.42 29APR99 106.72 .00 0 20423 92 47900 49 10493.79 29APR99 42.69 .00 0 20424 92 47900 49 23529.28 29APR99 95.72 .00 0 20425 92 47900 49 23529.28 29APR99 95.72 .00 0 20426 92 47900 49 23529.28 29APR99 95.72 .00 0 20627 92 47900 49 23529.28 29APR99 95.72 .00 0 20428 92 47900 49 1299.71 29APR99 5.29 .00 0 20429 92 47900 49 4202.19 29APR99 17.10 .00 0 20430 92 47900 49 3429.72 29APR99 13.95 .00 0 20431 92 47900 49 5246.22 30APR99 21.34 .00 0 20435 92 47900 49 10488.29 03MAY99 42.67 .00 0 20443 92 47900 49 5607.24 06MAY99 22.81 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 166 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20444 92 47900 49 12071.59 07MAY99 49.11 .00 0 20447 92 47900 49 6457.44 04MAY99 26.27 .00 0 20449 92 47900 49 63388.90 07MAY99 257.88 .00 0 20450 92 47900 49 10482.82 07MAY99 42.65 .00 0 20456 92 47900 49 4805.43 10MAY99 19.55 .00 0 20457 92 47900 49 11762.72 10MAY99 47.85 .00 0 20458 92 47900 49 30668.61 10MAY99 124.77 .00 0 20461 92 47900 49 6365.48 10MAY99 25.90 .00 0 20463 99 47900 49 35025.73 10MAY99 1686.93 .00 0 20464 92 47900 49 3594.14 11MAY99 14.62 .00 0 20465 92 47900 49 3999.85 11MAY99 16.27 .00 0 20467 92 47900 49 4691.50 17MAY99 19.09 .00 0 20468 92 47900 49 2468.90 17MAY99 10.04 .00 0 20469 92 49800 49 7464.33 12MAY99 31.57 .00 0 20472 92 49800 49 31481.45 13MAY99 133.15 .00 0 20473 92 47900 49 2984.38 13MAY99 12.14 .00 0 20475 92 49800 49 20987.64 13MAY99 88.77 .00 0 20476 92 49800 49 23713.67 13MAY99 100.30 .00 0 20477 92 49800 49 17142.48 13MAR00 72.51 .00 0 20478 92 49800 49 14252.06 13MAY99 60.28 .00 0 20479 92 49800 49 2096.76 20MAY99 8.87 .00 0 20480 92 49800 49 2095.96 20MAY99 8.87 .00 0 20481 92 49800 49 39324.37 20MAY99 166.33 .00 0 20482 92 49800 49 39286.90 20MAY99 166.17 .00 0 20484 92 49800 49 62954.33 14MAY99 266.27 .00 0 20485 92 49800 49 59581.15 14MAY99 252.00 .00 0 20486 92 47900 49 5236.60 14MAY99 21.30 .00 0 20487 92 49800 49 10492.38 14MAY99 44.38 .00 0 20488 92 47900 49 2221.49 14MAY99 9.04 .00 0 20489 92 49800 49 73446.70 14MAY99 310.65 .00 0 20492 92 49800 49 52440.52 17MAY99 221.80 .00 0 20493 92 49800 49 18878.59 17MAY99 79.85 .00 0 20494 92 47900 49 87424.41 17MAY99 355.66 .00 0 20495 92 49800 49 26220.26 17MAY99 110.90 .00 0 20496 92 49800 49 25364.31 17MAY99 107.28 .00 0 20498 92 47900 49 12583.59 17MAY99 51.19 .00 0 20499 92 47900 49 26793.14 17MAY99 109.00 .00 0 20500 92 49800 49 12523.67 17MAY99 52.97 .00 0 20503 92 49800 49 23750.31 18MAY99 100.45 .00 0 20504 92 49800 49 21269.42 18MAY99 89.96 .00 0 20507 92 49800 49 55734.11 19MAY99 235.73 .00 0 20508 92 49800 49 14384.84 19MAY99 60.84 .00 0 20509 92 49800 49 94114.39 19MAY99 398.07 .00 0 20514 92 49800 49 14885.71 09DEC99 1 62.96 .00 0 20516 92 49800 49 10483.83 20MAY99 44.34 .00 0 20518 92 49800 49 100000.00 20MAY99 1 422.96 .00 0 20519 92 49800 49 14090.45 20MAY99 59.60 .00 0 20520 92 49800 49 11676.54 21MAY99 49.39 .00 0 20521 92 49800 49 11118.82 21MAY99 47.03 .00 0 20522 92 47900 49 5330.46 21MAY99 21.69 .00 0 20523 92 49800 49 28961.23 28SEP99 122.49 .00 0 20524 92 49800 49 66972.14 21MAY99 283.26 .00 0 20527 92 49800 49 25982.97 24MAY99 109.90 .00 0 20528 92 49800 49 10478.11 24MAY99 44.32 .00 0 20529 92 49800 49 9998.03 24MAY99 42.29 .00 0 20530 92 49800 49 17039.66 24MAY99 72.07 .00 0 20531 92 49800 49 61975.79 24MAY99 262.13 .00 0 20532 92 49800 49 52390.55 24MAY99 221.59 .00 0 20533 92 49800 49 52390.55 24MAY99 221.59 .00 0 20534 92 49800 49 52390.55 24MAY99 221.59 .00 0 20535 92 49800 49 11090.69 25MAY99 46.91 .00 0 20536 92 49800 49 104845.41 25MAY99 443.45 .00 0 20537 92 49800 49 16555.42 25MAY99 70.02 .00 0 20538 92 47900 49 8701.54 25MAY99 35.40 .00 0 20539 92 49800 49 33448.60 25MAY99 141.47 .00 0 20540 92 49800 49 85718.05 25MAY99 362.55 .00 0 20542 92 49800 49 63437.26 25MAY99 268.31 .00 0 20543 92 49800 49 43269.95 26MAY99 183.01 .00 0 20545 92 49800 49 10532.68 26MAY99 44.55 .00 0 20546 92 47900 49 3456.78 26MAY99 14.06 .00 0 20547 92 49800 49 18441.10 27MAY99 78.00 .00 0 20548 92 47900 49 1217.03 27MAY99 4.95 .00 0 20549 92 49800 49 10473.83 27MAY99 44.30 .00 0 20550 92 49800 49 129715.36 28MAY99 548.64 .00 0 20551 92 47900 49 2360.09 28MAY99 9.60 .00 0 20552 92 49800 49 11106.54 28MAY99 46.98 .00 0 20553 92 49800 49 10472.40 28MAY99 44.29 .00 0 20554 92 49800 15686.76 28MAY99 66.35 .00 0 20555 92 49800 49 10472.40 28MAY99 44.29 .00 0 20556 92 49800 49 48408.07 28MAY99 204.75 .00 0 20557 92 49800 49 11284.01 28MAY99 47.73 .00 0 20558 92 47900 49 1045.41 28MAY99 4.25 .00 0 20559 92 49800 49 17719.00 01JUN99 74.94 .00 0 20560 92 49800 49 34932.00 01JUN99 147.75 .00 0 20561 92 47900 49 6462.92 01JUN99 26.29 .00 0 20562 92 49800 49 19025.17 01JUN99 80.47 .00 0 20565 92 49800 49 28682.12 02JUN99 121.31 .00 0 20566 92 47900 49 2224.22 02JUN99 9.05 .00 0 20567 92 47900 49 2224.22 02JUN99 9.05 .00 0 20568 92 49800 49 11103.88 02JUN99 46.96 .00 0 20569 92 47900 49 2222.24 02JUN99 9.04 .00 0 20570 92 49800 49 27793.42 03JUN99 117.55 .00 0 20571 92 49800 49 18205.11 03JUN99 77.00 .00 0 20575 92 49800 49 36658.45 04JUN99 155.05 .00 0 20576 92 49800 49 62448.54 04JUN99 264.13 .00 0 20577 92 51400 49 50000.00 04JUN99 1 218.27 .00 0 20578 92 49800 49 19878.58 04JUN99 84.08 .00 0 20579 92 49800 49 21447.95 04JUN99 90.72 .00 0 20580 92 49800 49 15614.92 20OCT99 66.04 .00 0 20581 92 49800 49 14156.16 04JUN99 59.87 .00 0 20582 92 51400 49 75064.18 07JUN99 327.69 .00 0 20583 92 49800 49 10000.00 07JUN99 1 42.30 .00 0 20584 92 49800 49 54381.09 07JUN99 230.01 .00 0 20585 92 49800 49 26145.37 07JUN99 110.58 .00 0 20586 92 49800 49 29282.83 07JUN99 123.85 .00 0 20587 92 49800 49 16296.67 08JUL99 1 68.93 .00 0 20588 92 49800 49 24687.07 07JUN99 104.42 .00 0 20589 92 49800 49 4439.84 07JUN99 18.78 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 167 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20590 92 47900 49 2655.53 07JUN99 10.80 .00 0 20591 92 49800 49 28261.85 07JUN99 119.54 .00 0 20592 92 49800 49 19103.44 07JUN99 80.80 .00 0 20593 92 49800 49 10456.72 08JUN99 44.23 .00 0 20594 92 49800 49 16535.75 08JUN99 69.94 .00 0 20595 92 47900 49 1139.18 10JUN99 4.63 .00 0 20596 92 47900 49 7957.10 08JUN99 32.37 .00 0 20597 92 49800 49 23649.69 08JUN99 100.03 .00 0 20598 92 49800 49 20913.46 08JUN99 88.46 .00 0 20599 92 49800 49 26333.61 08JUN99 111.38 .00 0 20600 92 49800 49 34912.82 08JUN99 147.67 .00 0 20601 92 49800 49 34912.82 08JUN99 147.67 .00 0 20602 92 49800 49 34912.82 08JUN99 147.67 .00 0 20603 92 49800 49 12338.28 08JUN99 52.19 .00 0 20604 92 49800 49 83653.81 08JUN99 353.82 .00 0 20606 92 49800 49 24673.71 09JUN99 104.36 .00 0 20607 92 49800 49 11141.08 09JUN99 47.12 .00 0 20608 92 49800 49 86800.68 09JUN99 367.13 .00 0 20610 92 49800 49 30829.63 09JUN99 130.40 .00 0 20611 92 49800 49 11099.95 09JUN99 46.95 .00 0 20613 92 49800 49 20907.75 10JUN99 88.43 .00 0 20614 92 49800 49 47032.02 10JUN99 198.93 .00 0 20615 92 49800 49 5311.56 10JUN99 22.47 .00 0 20617 92 49800 13175.02 10JUN99 55.72 .00 0 20619 92 50200 49 53128.53 10JUN99 226.52 .00 0 20620 92 51300 49 8166.03 11JUN99 35.58 .00 0 20621 92 49800 49 10452.46 11JUN99 44.21 .00 0 20623 92 49800 49 27490.99 11JUN99 116.28 .00 0 20624 92 49800 49 10448.19 14JUN99 44.19 .00 0 20625 92 49800 49 73337.96 14JUN99 310.19 .00 0 20626 92 51400 49 35364.50 14JUN99 154.38 .00 0 20627 92 49800 49 14722.71 14MAR00 62.27 .00 0 20628 92 49800 49 23055.46 14JUN99 97.52 .00 0 20629 92 49800 49 20896.39 14JUN99 88.38 .00 0 20630 92 49800 49 20023.70 14JUN99 84.69 .00 0 20635 92 49800 49 21357.71 13MAR00 90.33 .00 0 20636 92 47900 49 6387.31 14JUN99 25.98 .00 0 20637 92 49800 49 19518.70 15JUN99 82.56 .00 0 20638 92 49800 49 82139.44 15JUN99 347.42 .00 0 20639 92 49800 49 13177.15 15JUN99 55.73 .00 0 20640 92 49800 49 62559.48 15JUN99 264.60 .00 0 20641 92 49800 49 22270.90 15JUN99 94.20 .00 0 20643 92 49800 49 16643.76 15JUN99 70.40 .00 0 20644 92 49800 49 92464.07 16JUN99 391.09 .00 0 20645 92 49800 49 15668.01 16JUN99 66.27 .00 0 20646 92 49800 49 11689.89 16JUN99 4944 .00 0 20647 92 49800 49 80989.78 16JUN99 342.55 .00 0 20648 92 49800 49 51047.48 13DEC99 215.91 .00 0 20649 92 51400 49 3978.33 17JUN99 17.37 .00 0 20650 92 51400 49 34996.05 17JUN99 152.77 .00 0 20651 92 51400 49 96966.28 17JUN99 423.30 .00 0 20652 92 51400 49 12933.28 17JUN99 56.46 .00 0 20657 92 51400 49 10611.22 17JUN99 46.32 .00 0 20658 92 51400 49 14112.60 17JUN99 61.61 .00 0 20659 92 51400 49 31375.44 17JUN99 136.97 .00 0 20661 92 51400 49 18721.44 17JUN99 81.73 .00 0 20662 92 51400 49 29621.43 17JUN99 129.31 .00 0 20663 ###-###-####.50 18JUN99 22.82 .00 0 20664 92 51400 49 6274.21 18JUN99 27.39 .00 0 20665 92 51400 49 24751.42 18JUN99 108.05 .00 0 20666 ###-###-####.49 18JUN99 9.72 .00 0 20667 92 51400 49 98000.00 18JUN99 1 427.82 .00 0 20668 92 51400 49 2612.00 18JUN99 11.40 .00 0 20669 92 51400 49 6924.45 18JUN99 30.23 .00 0 20670 92 51400 49 9418.67 18JUN99 41.12 .00 0 20672 92 51400 49 15507.69 18JUN99 67.70 .00 0 20674 92 51400 49 11144.54 18JUN99 48.65 .00 0 20675 92 51400 49 11144.54 18JUN99 48.65 .00 0 20676 92 51400 49 11144.54 18JUN99 48.65 .00 0 20677 92 51400 49 11144.54 18JUN99 48.65 .00 0 20678 92 51400 49 3137.11 18JUN99 13.69 .00 0 20679 92 51400 49 12707.74 18JUN99 55.48 .00 0 20680 92 51400 49 10661.19 21JUN99 46.54 .00 0 20682 92 51400 49 33414.21 21JUN99 145.87 .00 0 20683 92 51400 49 18814.68 21JUN99 82.14 .00 0 20684 92 51400 49 49000.00 21JUN99 1 213.91 .00 0 20685 92 51400 49 4378.76 21JUN99 19.12 .00 0 20686 92 51400 49 5304.72 21JUN99 23.16 .00 0 20687 92 51400 49 20905.19 21JUN99 91.26 .00 0 20688 92 51400 49 83620.82 21JUN99 365.04 .00 0 20691 92 51400 49 1139.03 22JUN99 4.97 .00 0 20692 92 51400 49 19255.10 22JUN99 84.06 .00 0 20693 92 51400 49 33974.68 22JUN99 148.32 .00 0 20694 92 51400 49 12250.15 22JUN99 53.48 .00 0 20695 92 51400 49 6926.84 22JUN99 30.24 .00 0 20696 92 51400 49 3340.93 22JUN99 14.58 .00 0 20698 92 51400 49 34810.16 23JUN99 151.96 .00 0 20700 92 51400 49 14629.52 23JUN99 63.86 .00 0 20701 92 51400 49 30000.00 23JUN99 1 130.96 .00 0 20702 92 51400 49 23595.60 23JUN99 103.01 .00 0 20703 92 51400 49 16705.07 23JUN99 72.93 .00 0 20704 92 51400 49 2915.58 23JUN99 12.73 .00 0 20707 92 51400 49 18809.41 23JUN99 82.11 .00 0 20712 92 51400 49 8784.87 21MAR00 38.35 .00 0 20713 92 51400 49 2229.43 23JUN99 9.73 .00 0 20714 92 51400 49 2229.43 23JUN99 9.73 00 0 20723 92 51400 49 6405.47 24JUN99 27.96 .00 0 20724 92 51400 49 17444.55 24JUN99 76.15 .00 0 20725 92 51400 49 21217.70 09DEC99 92.63 .00 0 20726 92 51400 49 24786.08 24JUN99 108.20 .00 0 20727 92 51400 49 100000.00 24JUN99 1 436.55 .00 0 20728 92 51400 49 2229.52 25JUN99 9.73 .00 0 20732 92 51400 49 100000.00 24JUN99 1 436.55 .00 0 20733 92 51400 49 73137.34 24JUN99 319.28 .00 0 20734 92 51400 49 14627.48 24JUN99 63.86 .00 0 20735 92 51400 49 10448.20 24JUN99 45.61 .00 0 20736 92 51400 49 5376.73 16MAR00 23.47 .00 0 20737 92 51400 49 5376.73 16MAR00 23.47 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 168 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20738 92 51400 49 26116.81 25JUN99 114.01 .00 0 20739 92 51400 49 5223.36 25JUN99 22.80 .00 0 20740 92 51400 49 11491.40 25JUN99 50.17 .00 0 20741 92 51400 49 11491.40 25JUN99 50.17 .00 0 20742 92 51400 49 11398.36 25JUN99 49.76 .00 0 20743 92 51400 49 16705.71 25JUN99 72.93 .00 0 20747 92 51400 49 105604.63 28JUN99 461.01 .00 0 20749 92 51400 49 4706.51 28JUN99 20.55 .00 0 20750 92 51400 49 46518.17 29JUN99 203.07 .00 0 20752 92 51400 49 2610.59 28JUN99 11.40 .00 0 20753 92 51400 49 7309.42 28JUN99 31.91 .00 0 20754 92 51400 49 24017.33 28JUN99 104.85 .00 0 20756 92 51400 49 40000.00 11AUG99 1 174.62 .00 0 20757 92 51400 49 5221.15 28JUN99 22.79 .00 0 20758 92 51400 49 88759.65 28JUN99 387.48 .00 0 20759 92 51400 49 8353.85 28JUN99 36.47 .00 0 20760 92 51400 49 11761.79 28JUN99 51.35 .00 0 20761 92 51400 49 7459.74 28JUN99 32.57 .00 0 20762 92 51400 49 58348.55 28JUN99 254.72 .00 0 20763 92 51400 49 100000.00 01JUL99 1 436.55 .00 0 20764 92 51400 49 41412.12 28JUN99 180.78 .00 0 20765 92 51400 49 2367.67 28JUN99 10.34 .00 0 20766 92 51400 49 12106.37 28JUN99 52.85 .00 0 20769 92 51400 49 5568.97 29JUN99 24.31 .00 0 20770 92 51400 49 5568.97 29JUN99 24.31 .00 0 20771 92 51400 49 74647.23 29JUN99 325.87 .00 0 20772 92 51400 49 71842.60 29JUN99 313.63 .00 0 20773 92 51400 49 34286.21 29JUN99 149.68 .00 0 20774 92 51400 49 31322.53 29JUN99 136.74 .00 0 20775 92 51400 49 6752.54 29JUN99 29.48 .00 0 20776 92 51400 49 18004.13 29JUN99 78.60 .00 0 20777 92 51400 49 41763.36 29JUN99 182.32 .00 0 20778 92 51400 49 22844.93 09FEB00 99.73 .00 0 20779 92 51400 49 93954.36 30JUN99 410.16 .00 0 20780 92 51400 49 22240.75 30JUN99 97.09 .00 0 20781 92 54000 49 33468.69 02JUL99 153.50 .00 0 20785 92 51400 49 7069.04 30JUN99 30.86 .00 0 20786 92 54000 49 94580.58 01JUL99 433.78 .00 0 20787 92 54000 49 3702.82 01JUL99 16.98 .00 0 20788 92 54000 5580.10 01JUL99 25.59 .00 0 20789 92 54000 49 5588.47 01JUL99 25.63 .00 0 20790 92 54000 49 37478.90 01JUL99 171.89 .00 0 20791 92 54000 49 49341.54 01JUL99 226.30 .00 0 20793 92 54000 49 67558.77 01JUL99 309.84 .00 0 20794 92 54000 49 23459.04 03AUG99 107.59 .00 0 20795 92 54000 49 33000.00 31AUG99 1 151.35 .00 0 20796 92 54000 49 10460.50 01JUL99 47.98 .00 0 20797 92 54000 49 20917.94 02JUL99 95.94 .00 0 20798 92 54000 49 6885.47 02JUL99 31.58 .00 0 20799 92 54000 49 12701.92 02JUL99 58.25 .00 0 20800 92 54000 49 24730.20 02JUL99 113.42 .00 0 20803 92 54000 49 10044.60 12APR00 46.07 .00 0 20804 92 53700 49 10456.36 02JUL99 47.69 .00 0 20805 92 54000 10458.97 02JUL99 47.97 .00 0 20806 92 54000 49 6526.46 02JUL99 29.93 .00 0 20807 92 54000 49 10458.97 02JUL99 47.97 .00 0 20808 92 53700 49 102506.12 02JUL99 467.51 .00 0 20810 92 54000 49 34052.49 02JUL99 156.17 .00 0 20811 92 51600 49 27071.30 02JUL99 118.64 .00 0 20812 92 53700 49 45846.00 02JUL99 209.10 .00 0 20813 92 54000 49 1893.04 02JUL99 8.68 .00 0 20814 92 54000 49 23762.68 06JUL99 108.98 .00 0 20815 92 54000 49 2607.31 06JUL99 11.96 .00 0 20816 92 54000 49 98256.36 06JUL99 450.63 .00 0 20817 92 54000 49 5871.13 06JUL99 26.93 .00 0 20818 92 54000 49 15322.60 06JUL99 70.27 .00 0 20821 92 54000 49 32230.77 06JUL99 147.82 .00 0 20822 92 54000 49 10551.55 06JUL99 48.39 .00 0 20823 92 54000 49 12020.73 06JUL99 55.13 .00 0 20825 92 54000 49 68706.23 07JUL99 315.11 .00 0 20826 92 54000 49 14430.94 07JUL99 66.18 .00 0 20827 92 54000 49 100000.00 11AUG99 1 458.63 .00 0 20828 92 54000 49 1990.66 07JUL99 9.13 .00 0 20829 92 54000 49 62707.57 07JUL99 287.60 .00 0 20830 92 54000 49 100000.00 01SEP99 1 458.63 .00 0 20831 92 54000 49 30596.30 07JUL99 140.32 .00 0 20832 92 54000 49 9406.13 07JUL99 43.14 .00 0 20833 92 54000 49 20902.53 07JUL99 95.87 .00 0 20835 92 54000 24296.10 08JUL99 111.43 .00 0 20836 92 54000 5094.27 14JUL99 23.36 .00 0 20837 92 54000 49 5082.49 09JUL99 23.31 .00 0 20838 92 54000 49 11686.11 08JUL99 53.60 .00 0 20839 92 54000 49 32148.01 08JUL99 147.44 .00 0 20840 92 54000 49 86915.84 08JUL99 398.62 .00 0 20841 92 54000 49 116577.23 08JUL99 1 534.66 .00 0 20842 92 54000 49 19828.61 08JUL99 90.94 .00 0 20843 92 54000 49 28896.97 08JUL99 132.53 .00 0 20844 92 54000 49 8489.10 08JUL99 38.93 .00 0 20845 92 54000 1471.08 08JUL99 6.75 .00 0 20846 92 54000 49 13584.63 08JUL99 62.30 .00 0 20847 92 54000 49 30299.73 09JUL99 138.96 .00 0 20848 92 54000 49 21418.75 09JUL99 98.23 .00 0 20849 92 54000 49 3317.28 09JUL99 15.21 .00 0 20850 92 54000 49 7365.97 09JUL99 33.78 .00 0 20851 92 54000 49 49538.62 09JUL99 227.20 .00 0 20852 92 54000 49 64455.23 09JUL99 295.61 .00 0 20853 92 54000 49 4179.28 09JUL99 19.17 .00 0 20855 92 53700 49 1044.57 09JUL99 4.76 .00 0 20860 92 54000 49 1044.81 09JUL99 4.79 .00 0 20861 92 54000 49 94961.89 09JUL99 435.52 .00 0 20862 92 47900 49 3955.30 12JUL99 16.09 .00 0 20864 92 54000 49 83548.49 12JUL99 383.18 .00 0 20865 92 54000 10823.39 12JUL99 49.64 .00 0 20866 92 54000 49 10442.02 13JUL99 47.89 .00 0 20867 92 54000 49 66272.38 13JUL99 303.95 .00 0 20868 92 54000 49 6681.91 13JUL99 30.65 .00 0 20869 92 54000 49 10442.02 13JUL99 47.89 .00 0 20871 92 54000 49 11097.70 13JUL99 50.90 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 169 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20872 92 54000 49 2194.55 13AUG99 10.06 .00 0 20873 92 54000 49 24571.84 13JUL99 112.69 .00 0 20874 92 54000 49 10442.02 13JUL99 47.89 .00 0 20875 92 53700 13168.27 14JUL99 60.06 .00 0 20876 92 53700 17212.81 14JUL99 78.50 .00 0 20877 92 54000 49 15660.72 14JUL99 71.82 .00 0 20878 92 54000 49 15660.72 14JUL99 71.82 .00 0 20879 92 54000 49 16849.85 14JUL99 77.28 .00 0 20880 92 54000 49 105461.40 14JUL99 483.68 .00 0 20881 92 54000 49 6590.83 14JUL99 30.23 .00 0 20882 92 54000 49 18630.60 14JUL99 85.45 .00 0 20883 92 54000 49 15656.10 16JUL99 71.80 .00 0 20884 92 54000 49 48331.25 15JUL99 221.66 .00 0 20885 92 54000 49 9396.43 15JUL99 43.09 .00 0 20886 92 54000 49 56183.25 15JUL99 1 257.67 .00 0 20887 92 54000 49 3131.68 15JUL99 14.36 .00 0 20888 92 54000 49 52194.98 15JUL99 239.38 .00 0 20889 92 54000 49 21196.43 15JUL99 97.21 .00 0 20890 92 54000 49 44461.05 15JUL99 203.91 .00 0 20891 92 54000 49 35846.84 15JUL99 164.40 .00 0 20892 92 54000 49 104389.39 15JUL99 478.76 .00 0 20893 92 57500 49 9723.70 15JUL99 47.49 .00 0 20894 ###-###-####.08 16JUL99 20.61 .00 0 20895 92 54000 49 2490.28 16JUL99 11.42 .00 0 20897 92 53700 49 21903.68 19JUL99 99.90 .00 0 20898 92 54000 49 5218.70 16JUL99 23.93 .00 0 20899 92 56000 49 111589.50 16JUL99 530.74 .00 0 20900 92 54000 49 22461.28 16JUL99 103.01 .00 0 20901 92 56000 49 111589.50 16JUL99 530.74 .00 0 20902 92 56000 49 131106.05 16JUL99 623.56 .00 0 20903 92 54000 2087.47 16JUL99 9.57 .00 0 20904 92 54000 49 58898.13 16JUL99 270.12 .00 0 20905 92 53700 49 99751.75 19JUL99 454.95 .00 0 20906 92 53700 49 10380.77 19JUL99 47.34 .00 0 20907 92 53700 49 10380.77 19JUL99 47.34 .00 0 20908 92 53700 49 58733.92 19JUL99 267.87 .00 0 20909 92 53700 49 35327.39 19JUL99 161.12 .00 0 20910 92 53700 49 6716.58 19JUL99 30.63 .00 0 20911 92 53700 49 18633.55 19JUL99 84.98 .00 0 20912 92 53700 49 31290.98 19JUL99 142.71 .00 0 20913 92 53700 49 12516.40 19JUL99 57.09 .00 0 20914 92 53700 49 11665.22 19JUL99 53.20 .00 0 20915 92 53700 49 31286.38 20JUL99 142.69 .00 0 20916 92 53700 49 43800.94 20JUL99 199.77 .00 0 20917 92 53700 49 7300.16 20JUL99 33.29 .00 0 20918 92 53700 49 38300.74 20JUL99 174.68 .00 0 20919 92 53700 49 6913.44 20JUL99 31.53 .00 0 20920 92 53700 69 48934.67 20JUL99 223.18 .00 0 20921 92 53700 49 27019.70 21JUL99 123.23 .00 0 20922 92 53700 49 13785.42 21JUL99 62.87 .00 0 20923 92 53700 49 26395.46 21JUL99 120.38 .00 0 20924 92 53700 49 30530.69 21JUL99 139.25 .00 0 20925 92 53700 49 2559.78 21JUL99 11.67 .00 0 20926 92 53700 49 20854.54 21JUL99 95.11 .00 0 20927 92 53700 49 63922.12 26JUL99 291.54 .00 0 20928 92 53700 49 14307.44 21JUL99 65.25 .00 0 20929 92 53700 49 31352.39 22JUL99 1 142.99 .00 0 20930 92 53700 49 54984.17 22JUL99 250.77 .00 0 20931 92 53700 49 55745.80 22JUL99 254.25 .00 0 20932 92 53700 49 11684.36 22JUL99 53.29 .00 0 20933 92 53700 49 19415.82 22JUL99 88.55 .00 0 20934 92 53700 49 20495.07 23JUL99 93.47 .00 0 20935 92 53700 49 93817.79 23JUL99 427.89 .00 0 20936 92 53700 10424.21 23JUL99 47.54 .00 0 20938 92 53700 49 23248.41 23JUL99 106.03 .00 0 20939 92 53700 49 10425.81 23JUL99 47.55 .00 0 20940 92 53700 49 5212.10 23JUL99 23.77 .00 0 20941 92 53700 49 8797.18 23JUL99 40.12 .00 0 20942 92 53700 49 21497.78 23JUL99 98.05 .00 0 20943 92 53700 49 10031.64 23JUL99 1 45.75 .00 0 20944 92 53700 49 39948.85 23JUL99 182.20 .00 0 20945 92 53700 49 23279.86 21MAR00 106.18 .00 0 20947 92 53700 49 10893.54 27JUL99 49.68 .00 0 20948 92 53700 11996.79 26JUL99 54.72 .00 0 20949 92 53700 14517.39 26JUL99 66.21 .00 0 20950 92 53700 15666.98 26JUL99 71.45 .00 0 20951 92 53700 49 73921.65 26JUL99 337.14 .00 0 20952 92 53700 50000.00 26JUL99 1 228.04 .00 0 20953 92 53700 49 11493.46 26JUL99 52.42 .00 0 20955 92 53700 49 20839.21 26JUL99 95.04 .00 0 20956 92 53700 14722.83 26JUL99 67.15 .00 0 20957 92 53700 72937.24 26JUL99 332.65 .00 0 20958 92 53700 93776.46 26JUL99 427.70 .00 0 20959 92 56100 49 104387.22 26JUL99 497.37 .00 0 20960 92 53700 49 10419.62 26JUL99 47.52 .00 0 20961 92 53700 49 23878.25 26JUL99 108.90 .00 0 20962 92 53700 49 49845.69 26JUL99 227.34 .00 0 20963 92 53700 105679.10 26JUL99 481.98 .00 0 20964 92 53700 49 2255.08 27JUL99 10.29 .00 0 20965 92 53700 49 14855.15 27JUL99 67.75 .00 0 20966 92 53700 49 11851.76 27JUL99 54.05 .00 0 20967 92 53700 49 65308.19 27JUL99 297.86 .00 0 20968 ###-###-####.55 27JUL99 12.29 .00 0 20970 92 53700 49 25623.91 27JUL99 116.87 .00 0 20971 92 53700 49 1144.79 27JUL99 5.22 .00 0 20972 92 53700 49 5209.05 27JUL99 23.76 .00 0 20973 92 53700 49 13541.51 28JUL99 61.76 .00 0 20974 92 53700 15624.83 28JUL99 71.26 .00 0 20975 92 53700 49 64175.23 28JUL99 292.69 .00 0 20976 92 53700 63 5000.00 02AUG99 1 22.80 .00 0 20977 92 53700 49 100055.43 28JUL99 456.33 .00 0 20979 ###-###-####.00 02AUG99 1 22.80 .00 0 20980 ###-###-####.00 03SEP99 1 27.36 .00 0 20981 92 53700 49 5208.27 28JUL99 23.75 .00 0 20982 ###-###-####.87 28JUL99 25.59 .00 0 20983 92 53700 49 13820.82 28JUL99 63.03 .00 0 20984 92 53700 49 9374.89 28JUL99 42.76 .00 0 20985 92 53700 49 3327.74 29JUL99 15.18 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 170 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20986 92 53700 49 29637.86 29JUL99 135.17 .00 0 20987 92 53700 49 48774.30 29JUL99 222.45 .00 0 20988 92 53700 49 33277.07 29JUL99 151.77 .00 0 20989 92 53700 49 3543.28 29JUL99 16.16 .00 0 20990 92 53700 49 30868.23 29JUL99 140.78 .00 0 20991 92 53700 49 11542.76 29JUL99 52.64 .00 0 20992 92 53700 49 16608.46 29JUL99 75.75 .00 0 20993 92 53700 49 8600.71 29JUL99 39.23 .00 0 20994 92 53700 49 19830.23 29JUL99 90.44 .00 0 20995 92 53700 49 62480.87 30JUL99 284.96 .00 0 20996 92 53700 49 26033.71 30JUL99 118.74 .00 0 20997 92 53700 49 83307.83 30JUL99 379.95 .00 0 20998 92 53700 49 46860.66 30JUL99 213.72 .00 0 20999 92 53700 49 38732.41 30JUL99 176.65 .00 0 21001 92 53700 49 3499.55 30JUL99 15.96 .00 0 21002 92 53700 49 6727.49 30JUL99 30.68 .00 0 21003 92 53700 49 8605.54 30JUL99 39.25 .00 0 21004 92 53700 49 57248.89 02AUG99 261.10 .00 0 21005 92 53700 49 81065.91 07FEB00 369.73 .00 0 21006 92 56000 49 104267.30 02AUG99 495.91 .00 0 21007 92 53700 49 13305.10 02AUG99 60.68 .00 0 21008 92 53700 49 8241.92 02AUG99 37.59 .00 0 21010 92 53700 49 14514.74 02AUG99 66.20 .00 0 21011 92 53700 49 14478.77 02AUG99 66.04 .00 0 21012 92 53700 49 33561.03 02AUG99 153.07 .00 0 21013 92 56000 49 100733.48 10APR00 479.10 .00 0 21014 92 53700 49 50452.76 14MAR00 230.11 .00 0 21015 92 56000 49 51524.59 24JAN00 245.06 .00 0 21017 92 53700 49 24901.28 02AUG99 113.57 .00 0 21018 92 53700 49 7983.18 03AUG99 36.41 .00 0 21019 92 53700 49 48069.50 02AUG99 219.24 .00 0 21020 92 53700 49 39625.19 02AUG99 180.72 .00 0 21021 92 53700 49 20817.76 02AUG99 94.95 .00 0 21023 92 53700 11758.48 03AUG99 53.63 .00 0 21024 92 53700 49 11758.68 03AUG99 53.63 .00 0 21025 92 53700 49 50000.00 15SEP99 1 228.04 .00 0 21026 92 53700 49 34004.94 03AUG99 155.09 .00 0 21027 92 53700 11059.88 03AUG99 50.44 .00 0 21028 92 53700 49 7383.69 03AUG99 33.68 .00 0 21029 92 53700 49 3499.55 03AUG99 15.96 .00 0 21030 92 53700 49 24528.53 03AUG99 111.87 .00 0 21031 92 53700 49 7418.58 03AUG99 33.83 .00 0 21032 92 53700 49 11087.87 03AUG99 50.37 .00 0 21033 92 53700 49 12833.21 03AUG99 58.53 .00 0 21034 92 53700 49 11651.74 03AUG99 53.14 .00 0 21035 92 53700 49 74933.04 03AUG99 341.76 .00 0 21036 92 53700 49 98000.00 03AUG99 1 446.96 .00 0 21037 92 53700 49 6804.45 03AUG99 31.03 .00 0 21038 92 53700 49 15611.06 03AUG99 71.20 .00 0 21039 92 53700 49 13941.50 03AUG99 63.58 .00 0 21040 92 53700 49 100367.33 03AUG99 457.76 .00 0 21041 92 53700 49 9738.90 03AUG99 44.42 .00 0 21043 92 53700 49 30176.92 04AUG99 137.63 .00 0 21044 92 53700 49 104486.50 04AUG99 476.54 .00 0 21045 92 53700 58311.42 04AUG99 265.95 .00 0 21046 92 53700 49 58311.42 04AUG99 265.95 .00 0 21047 92 53700 49 43659.61 04AUG99 199.12 .00 0 21048 92 53700 49 35964.44 04AUG99 164.03 .00 0 21049 92 53700 49 32436.21 04AUG99 147.94 .00 0 21050 92 53700 49 52288.86 04AUG99 238.48 .00 0 21051 92 53700 49 19982.98 05AUG99 91.14 .00 0 21052 92 56000 49 104219.55 05AUG99 495.69 .00 0 21053 92 53700 30024.07 05AUG99 1 136.93 .00 0 21054 92 53700 49 5202.16 05AUG99 23.73 .00 0 21055 92 53700 49 15310.96 05AUG99 69.83 .00 0 21056 92 53700 12485.18 05AUG99 56.94 .00 0 21057 92 53700 14894.82 05AUG99 67.93 .00 0 21058 92 53700 49 5804.61 05AUG99 26.47 .00 0 21059 92 53700 49 37420.59 11AUG99 1 170.67 .00 0 21060 92 53700 49 12189.03 05AUG99 55.59 .00 0 21061 92 53700 49 37739.85 11AUG99 1 172.12 .00 0 21062 92 53700 49 37580.21 11AUG99 1 171.40 .00 0 21063 92 53700 49 11081.08 05AUG99 50.54 .00 0 21067 92 53700 49 13540.52 06AUG99 61.76 .00 0 21068 92 53700 49 5769.56 06AUG99 26.31 .00 0 21069 92 53700 49 68683.89 06AUG99 313.25 .00 0 21070 92 53700 49 10758.94 06AUG99 49.07 .00 0 21071 92 53700 49 7601.06 06AUG99 34.67 .00 0 21072 92 53700 49 3891.23 06AUG99 17.75 .00 0 21073 92 53700 49 13340.89 06AUG99 60.85 .00 0 21074 92 53700 49 21229.90 06AUG99 96.83 .00 0 21075 92 53700 49 21325.73 06AUG99 97.26 .00 0 21076 92 53700 49 5862.15 06AUG99 26.74 .00 0 21077 92 53700 49 45365.77 06AUG99 206.91 .00 0 21078 92 53700 49 11079.45 06AUG99 50.53 .00 0 21079 92 53700 49 7475.73 06AUG99 34.10 .00 0 21080 92 53700 49 7475.68 06AUG99 34.10 .00 0 21081 92 53700 49 7475.68 06AUG99 34.10 .00 0 21082 92 53700 49 70055.90 06AUG99 1 319.51 .00 0 21083 92 53700 49 64590.34 06AUG99 294.59 .00 0 21084 92 53700 49 100079.86 06AUG99 1 456.45 .00 0 21085 92 53700 49 17410.68 06AUG99 79.41 .00 0 21086 ###-###-####.68 06AUG99 34.10 .00 0 21088 92 53700 49 29355.53 06AUG99 133.89 .00 0 21089 92 53700 49 1246.84 06AUG99 5.69 .00 0 21090 92 53700 49 11826.42 06AUG99 53.94 .00 0 21093 92 53700 49 15597.33 09AUG99 71.14 .00 0 21094 92 53700 49 74946.82 09AUG99 341.82 .00 0 21096 92 53700 49 27083.63 09AUG99 1 123.52 .00 0 21097 92 53700 49 5539.07 09AUG99 25.26 .00 0 21098 92 53700 49 72787.33 09AUG99 331.97 .00 0 21099 92 53700 49 39167.93 09AUG99 178.64 .00 0 21100 92 53700 49 20796.45 09AUG99 94.85 .00 0 21101 92 53700 49 41592.88 09AUG99 189.70 .00 0 21102 92 53700 49 100000.00 09AUG99 1 456.08 .00 0 21103 92 53700 49 20917.21 09AUG99 95.40 .00 0 21104 92 53700 49 12667.33 09AUG99 57.77 .00 0 21105 92 53700 49 18000.00 09AUG99 1 82.09 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 171 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 21106 92 53700 49 20476.02 09AUG99 93.39 .00 0 21107 92 53700 49 21488.37 09AUG99 98.00 .00 0 21108 92 53700 49 46785.12 10AUG99 213.38 .00 0 21109 92 53700 49 5543.55 10AUG99 25.28 .00 0 21110 92 53700 49 5822.16 10AUG99 26.55 .00 0 21111 92 53700 49 14719.73 10AUG99 67.13 .00 0 21112 92 53700 49 31190.07 10AUG99 142.25 .00 0 21113 92 53700 49 31190.07 10AUG99 142.25 .00 0 21114 92 53700 49 10772.60 10AUG99 49.13 .00 0 21115 92 53700 49 37428.10 10AUG99 170.70 .00 0 21116 92 53700 49 64502.39 10AUG99 294.18 .00 0 21117 92 53700 49 22156.82 11AUG99 101.05 .00 0 21118 92 53700 49 22203.06 11AUG99 101.26 .00 0 21119 92 53700 49 42136.48 11AUG99 192.18 .00 0 21120 92 53700 49 5538.23 11AUG99 25.26 .00 0 21121 92 53700 49 27696.03 11AUG99 126.32 .00 0 21123 92 53700 49 19335.30 11AUG99 88.18 .00 0 21124 92 53700 49 6879.35 11AUG99 31.38 00 0 21125 92 56000 49 65564.35 11AUG99 311.83 .00 0 21126 92 56000 49 68650.72 11AUG99 326.51 .00 0 21127 92 47900 12991.55 11AUG99 52.85 .00 0 21129 92 53700 49 7456.36 11AUG99 34.01 .00 0 21130 92 53700 49 6566.31 12AUG99 29.95 .00 0 21132 92 53700 49 25630.00 12AUG99 116.89 .00 0 21133 92 53700 49 5920.33 21MAR00 27.00 .00 0 21134 92 53700 49 53534.04 12AUG99 244.16 .00 0 21135 92 53700 49 34466.63 17AUG99 157.20 .00 0 21136 92 53700 69 8484.55 18AUG99 38.70 .00 0 21137 92 53700 49 3888.63 18AUG99 17.74 .00 0 21138 92 53700 49 30888.21 17AUG99 140.88 .00 0 21139 92 53700 49 2480.80 12AUG99 11.31 .00 0 21140 92 53700 49 14551.09 12AUG99 66.36 .00 0 21141 92 53700 49 14551.09 12AUG99 66.36 .00 0 21142 92 53700 49 44626.41 13AUG99 203.53 .00 0 21143 92 53700 49 7274.49 13AUG99 33.18 .00 0 21144 92 53700 49 14502.78 17AUG99 66.14 .00 0 21145 92 53700 49 5196.07 13AUG99 23.70 .00 0 21146 92 53700 49 20784.24 13AUG99 94.79 .00 0 21147 92 53700 49 28258.50 13AUG99 128.88 .00 0 21148 92 53700 49 98725.14 13AUG99 450.27 .00 0 21149 92 53700 49 97571.44 13AUG99 445.01 .00 0 21150 92 56000 49 104092.15 13AUG99 495.08 .00 0 21151 92 53700 49 9235.59 13AUG99 42.12 .00 0 21152 92 53700 49 9235.59 13AUG99 42.12 .00 0 21153 92 53700 49 10739.43 13AUG99 48.98 .00 0 21154 92 53700 49 11090.61 13AUG99 50.58 .00 0 21155 92 53700 49 46510.24 16AUG99 212.12 .00 0 21156 92 53700 49 46510.24 16AUG99 212.12 .00 0 21157 92 53700 49 6878.81 16AUG99 31.37 .00 0 21158 92 53700 49 6274.08 16AUG99 28.61 .00 0 21159 92 53700 49 8210.49 16AUG99 37.45 .00 0 21160 92 53700 49 8210.49 16AUG99 37.45 .00 0 21161 92 53700 49 98681.70 16AUG99 450.07 .00 0 21162 92 53700 49 103875.46 16AUG99 473.76 .00 0 21163 92 53700 49 103875.46 16AUG99 473.76 .00 0 21164 92 53700 49 15581.33 16AUG99 71.06 .00 0 21165 92 53700 49 10387.55 16AUG99 47.38 .00 0 21166 92 53700 49 24938.73 16AUG99 113.74 .00 0 21167 92 53700 49 31162.64 16AUG99 142.13 .00 0 21168 92 53700 49 31162.64 16AUG99 142.13 .00 0 21169 92 53700 49 31162.64 16AUG99 142.13 .00 0 21170 92 53700 49 10423.21 16AUG99 47.54 .00 0 21171 92 53700 49 93487.92 16AUG99 426.38 .00 0 21172 92 53700 49 14177.92 16AUG99 64.66 .00 0 21173 92 53700 49 10387.55 16AUG99 47.38 .00 0 21174 92 53700 49 20775.09 16AUG99 94.75 .00 0 21175 92 53700 49 2748.67 16AUG99 12.54 .00 0 21176 92 53700 49 2476.13 16AUG99 11.29 .00 0 21177 92 53700 49 15579.04 17AUG99 71.05 .00 0 21178 92 53700 49 6805.33 17AUG99 31.04 .00 0 21179 92 53700 49 20772.04 17AUG99 94.74 .00 0 21180 92 53700 49 8537.21 17AUG99 38.94 .00 0 21181 92 53700 49 28713.12 17AUG99 130.96 .00 0 21182 92 53700 49 5470.11 17AUG99 24.95 .00 0 21183 92 53700 49 10494.96 17AUG99 47.87 .00 0 21184 92 53700 49 10386.01 17AUG99 47.37 .00 0 21185 92 53700 49 6201.47 17AUG99 28.28 .00 0 21186 92 53700 49 31158.06 17AUG99 142.11 .00 0 21193 92 53700 49 7270.21 17AUG99 33.16 .00 0 21194 92 53700 49 1844.77 17AUG99 8.41 .00 0 21195 92 53700 49 106125.62 18AUG99 484.02 .00 0 21196 92 53700 49 22141.11 18AUG99 100.98 .00 0 21197 92 53700 49 22141.11 18AUG99 100.98 .00 0 21198 92 53700 49 21696.58 18AUG99 98.95 .00 0 21199 92 53700 49 7177.32 18AUG99 32.73 .00 0 21200 92 53700 60221.23 19AUG99 274.66 .00 0 21201 92 53700 49 10382.98 19AUG99 47.35 .00 0 21203 92 53700 49 12415.87 19AUG99 56.63 .00 0 21204 92 53700 49 35000.00 19AUG99 1 159.63 .00 0 21205 92 53700 49 74952.35 19AUG99 341.84 .00 0 21206 99 53700 49 11673.60 20AUG99 628.59 .00 0 21207 92 53700 49 29098.18 20AUG99 132.71 .00 0 21208 92 56000 49 20796.13 20AUG99 98.91 .00 0 21209 92 56000 49 83506.86 20AUG99 397.17 .00 0 21210 92 53700 49 20762.90 20AUG99 94.70 .00 0 21211 92 56000 49 20796.13 20AUG99 98.91 .00 0 21212 92 56000 49 83506.88 20AUG99 397.17 .00 0 21213 92 53700 49 68600.97 20AUG99 312.88 .00 0 21214 92 53700 49 102149.61 23AUG99 465.89 .00 0 21215 92 53700 49 8730.27 23AUG99 39.82 .00 0 21216 92 53700 49 7532.81 23AUG99 34.36 .00 0 21217 92 53700 49 21032.28 23AUG99 95.92 .00 0 21218 92 53700 98580.30 23AUG99 449.61 .00 0 21219 92 53700 ###-###-#### 23AUG99 167.08 .00 0 21220 92 53700 49 5000.00 23AUG99 1 22.80 .00 0 21226 92 53700 49 88177.51 25AUG99 402.16 .00 0 21228 92 53700 49 30462.13 25AUG99 138.93 .00 0 21229 92 53700 49 1152.31 25AUG99 5.26 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 172 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 21230 99 53700 49 10629.70 26AUG99 572.38 .00 0 21233 92 53700 49 37479.72 27AUG99 170.94 .00 0 21234 92 53700 49 5185.38 27AUG99 23.65 .00 0 21236 92 53700 49 11638.27 27AUG99 53.08 .00 0 21237 92 53700 49 5410.84 30AUG99 1 24.68 .00 0 21238 92 53700 49 9009.23 30AUG99 41.09 .00 0 21239 92 53700 49 5755.61 30AUG99 26.25 .00 0 21240 92 53700 49 14139.44 30AUG99 64.49 .00 0 21241 92 53700 49 38657.77 31AUG99 176.31 .00 0 21242 92 56100 49 10381.24 31AUG99 49.46 .00 0 21243 92 56100 49 9388.96 31AUG99 44.74 .00 0 21244 92 56100 49 10378.06 02SEP99 49.45 .00 0 21245 92 56100 49 13103.19 03SEP99 62.43 .00 0 21246 92 56100 49 66456.49 03SEP99 316.64 .00 0 21247 92 56100 49 6016.43 03SEP99 28.67 .00 0 21248 92 56100 49 1308.23 03SEP99 6.13 .00 0 21249 92 56100 49 5188.24 03SEP99 24.72 .00 0 21250 92 56100 49 5188.24 03SEP99 24.72 .00 0 21251 92 56100 49 5188.24 03SEP99 24.72 .00 0 21252 92 56100 49 5166.00 03SEP99 24.61 .00 0 21254 92 56100 49 19410.58 07SEP99 92.48 .00 0 21255 92 56100 49 10370.12 07SEP99 49.41 .00 0 21256 92 56100 49 10370.12 07SEP99 49.41 .00 0 21257 92 56100 49 10370.12 07SEP99 49.41 .00 0 21258 92 47900 49 5155.62 10SEP99 20.97 .00 0 21259 92 47900 49 5155.62 10SEP99 20.97 .00 0 21260 92 56100 49 10370.12 07SEP99 49.41 .00 0 21261 92 56100 49 17275.82 07SEP99 82.31 .00 0 21262 92 56100 49 9020.33 08SEP99 42.98 .00 0 21263 92 56100 49 3281.07 08SEP99 15.63 .00 0 21264 92 56100 49 20737.07 08SEP99 98.81 .00 0 21265 92 56100 49 3742.97 09SEP99 17.83 .00 0 21266 92 56100 49 41692.84 09SEP99 198.65 .00 0 21267 92 56100 49 87751.70 09SEP99 418.11 .00 0 21268 92 56100 49 73729.00 09SEP99 351.29 .00 0 21269 92 56100 49 19357.05 09SEP99 92.23 .00 0 21270 92 56100 49 27986.44 10SEP99 133.35 .00 0 21271 92 56100 49 3397.78 13SEP99 16.19 .00 0 21272 92 56100 49 67922.21 14SEP99 323.63 .00 0 21273 92 56100 49 2108.99 14SEP99 10.05 .00 0 21274 92 56100 49 8954.62 15SEP99 42.67 .00 0 21275 92 56100 49 1399.09 15SEP99 6.67 .00 0 21276 92 56100 49 44444.42 15SEP99 211.76 .00 0 21277 92 56100 49 3007.49 15SEP99 14.33 .00 0 21278 92 56100 49 5022.59 15SEP99 23.93 .00 0 21279 92 56100 49 27651.67 15SEP99 131.75 .00 0 21280 92 56100 49 4384.54 15SEP99 20.89 .00 0 21281 92 56100 49 17767.28 15SEP99 84.66 .00 0 21282 92 56100 49 46618.44 17SEP99 222.12 .00 0 21283 92 56100 49 27365.39 20SEP99 130.39 .00 0 21284 92 56100 49 27365.37 20SEP99 130.39 .00 0 21285 92 56100 49 3791.43 20SEP99 18.06 .00 0 21286 92 56100 49 7456.06 21SEP99 35.53 .00 0 21287 92 56100 49 35454.98 22SEP99 168.93 .00 0 21288 92 56100 49 3682.51 24SEP99 17.55 .00 0 21289 92 56100 49 2533.43 24SEP99 12.07 .00 0 21291 92 56100 49 12698.05 27SEP99 60.50 .00 0 21292 92 56100 49 10911.06 29SEP99 51.99 .00 0 21293 92 56100 49 11536.79 29SEP99 54.97 .00 0 21294 92 56100 49 12037.40 29SEP99 57.35 .00 0 21296 92 56100 49 17463.84 29SEP99 83.21 .00 0 21297 92 56100 49 31397.87 28APR00 149.60 .00 0 21298 92 56100 49 2175.08 01OCT99 10.36 .00 0 21299 92 56100 49 1087.56 04OCT99 5.18 .00 0 21302 92 56100 49 20984.97 05OCT99 99.99 .00 0 21303 92 56100 49 7554.56 05OCT99 35.99 .00 0 21304 92 56100 49 6195.42 05OCT99 29.52 .00 0 21305 92 56100 49 5272.04 05OCT99 25.12 .00 0 21306 92 56100 49 36011.79 06OCT99 171.58 .00 0 21307 92 56100 49 16967.82 06OCT99 80.85 .00 0 21308 92 57500 49 2075.91 06OCT99 10.14 .00 0 21309 92 57500 49 16352.43 06OCT99 79.86 .00 0 21310 92 57500 49 29143.79 06OCT99 142.33 .00 0 21311 92 57500 49 50033.42 09NOV99 1 244.34 .00 0 21312 92 56100 49 15014.04 08OCT99 1 71.54 .00 0 21313 92 56100 49 8165.08 08OCT99 38.90 .00 0 21316 92 56100 49 29974.11 12OCT99 142.82 .00 0 21317 92 56100 49 29572.71 12OCT99 140.90 .00 0 21319 92 57500 49 78647.77 12OCT99 384.08 .00 0 21320 92 56100 49 5437.77 13OCT99 25.91 .00 0 21321 92 56100 49 103130.42 13OCT99 491.38 .00 0 21323 92 57500 49 60780.42 13OCT99 296.82 .00 0 21324 92 56100 49 46515.39 13OCT99 221.63 .00 0 21325 92 56100 49 5154.94 15OCT99 24.56 .00 0 21326 92 56100 49 13276.15 15OCT99 63.26 .00 0 21327 92 56100 33 8247.90 15OCT99 39.30 .00 0 21328 92 56100 49 10309.88 15OCT99 49.12 .00 0 21329 92 56100 49 22952.29 15OCT99 109.36 .00 0 21330 92 56100 49 2310.07 18OCT99 11.01 .00 0 21331 92 56100 49 2544.70 18OCT99 12.12 .00 0 21332 92 56100 23840.03 19OCT99 113.59 .00 0 21333 92 58400 57 26101.57 19OCT99 129.46 .00 0 21334 92 56100 11350.91 20OCT99 54.08 .00 0 21335 92 57500 49 3652.69 19OCT99 17.84 .00 0 21336 92 56100 49 8241.59 20OCT99 39.27 .00 0 21337 92 56100 49 51185.12 20OCT99 243.88 .00 0 21338 92 47900 49 51640.12 20OCT99 210.08 .00 0 21339 92 56100 49 20638.43 20OCT99 98.34 .00 0 21340 92 56100 1209.81 22OCT99 5.76 .00 0 21341 92 56100 49 2575.50 20OCT99 12.27 .00 0 21342 92 56100 49 27466.87 21OCT99 130.87 .00 0 21343 92 57500 24943.87 21OCT99 121.81 .00 0 21344 92 56100 49 4120.16 21OCT99 19.63 .00 0 21347 93 56100 33 5877.15 25OCT99 28.01 .00 0 21348 93 56100 11588.77 27OCT99 55.22 .00 0 21349 92 56100 49 39105.47 27OCT99 186.32 .00 0 21350 92 58400 49 20000.00 01DEC99 1 99.20 .00 0 21351 92 56100 49 13376.12 28OCT99 63.73 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 173 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 21352 92 58400 49 85176.26 29OCT99 422.47 .00 0 21353 92 56100 49 23370.75 03NOV99 111.35 .00 0 21354 92 58400 49 14667.72 01NOV99 72.75 .00 0 21355 ###-###-####.59 02NOV99 28.42 .00 0 21356 92 58400 49 12968.81 01NOV99 64.33 .00 0 21357 92 58400 49 23896.19 01NOV99 118.53 .00 0 21358 92 58400 49 30088.38 01NOV99 149.24 .00 0 21359 92 58400 49 18748.81 01NOV99 92.99 .00 0 21360 92 58400 49 28549.05 01NOV99 141.60 .00 0 21361 92 58400 49 6175.88 02NOV99 30.63 .00 0 21362 92 58400 49 13725.05 02NOV99 68.08 .00 0 21363 93 61800 46 40668.45 02NOV99 213.46 .00 0 21364 93 61800 46 95161.54 28MAR00 499.48 .00 0 21365 92 58400 49 100000.00 02NOV99 1 496.00 .00 0 21366 93 61800 46 103005.15 10FEB00 540.65 .00 0 21367 93 61800 46 14337.64 02NOV99 75.25 .00 0 21368 93 61800 46 15525.54 02NOV99 81.49 .00 0 21369 92 58400 49 9512.47 03NOV99 47.18 .00 0 21370 92 58400 41010.70 06DEC99 1 203.41 .00 0 21371 92 58400 41010.70 06DEC99 1 203.41 .00 0 21373 92 58400 33 7563.44 04NOV99 37.51 .00 0 21374 92 61800 49 92762.33 04NOV99 486.89 .00 0 21375 93 61800 45878.63 04NOV99 240.81 .00 0 21376 92 58400 49 5211.56 05NOV99 25.85 .00 0 21377 92 58400 49 20576.39 05NOV99 102.06 .00 0 21378 92 61800 49 59739.87 08NOV99 313.56 .00 0 21379 92 61800 49 51499.88 08NOV99 270.31 .00 0 21380 92 61800 33 28221.42 08NOV99 148.13 .00 0 21381 92 58400 49 3083.25 26NOV99 15.29 .00 0 21382 92 58400 49 60767.59 08NOV99 301.41 .00 0 21383 92 58400 49 48313.64 08NOV99 239.64 .00 0 21384 92 58400 49 74573.01 09NOV99 369.88 .00 0 21385 92 58400 49 64755.63 09NOV99 321.19 .00 0 21386 92 56100 49 2457.03 05OCT99 11.71 .00 0 21387 92 58400 46 12017.02 10NOV99 59.61 .00 0 21388 92 58400 49 46901.89 10NOV99 232.63 .00 0 21389 92 58400 49 66141.86 10NOV99 328.06 .00 0 21390 92 58400 49 9213.18 21MAR00 45.70 .00 0 21391 92 61800 49 7786.94 10NOV99 40.87 .00 0 21392 92 58400 49 14961.32 10NOV99 74.21 .00 0 21393 92 47900 10 4541.66 12NOV99 18.48 .00 0 21394 92 58400 49 74011.70 12NOV99 367.10 .00 0 21395 92 58400 49 12764.99 12NOV99 63.31 .00 0 21396 92 58400 49 50916.90 12NOV99 252.55 .00 0 21397 92 61300 15437.80 12NOV99 80.37 .00 0 21398 92 61300 33 15437.80 12NOV99 80.37 .00 0 21399 92 61800 49 33987.54 12NOV99 178.39 .00 0 21401 92 58400 49 88956.53 12NOV99 441.22 .00 0 21402 92 58400 49 4313.62 12NOV99 21.40 .00 0 21403 92 58400 49 2817.60 12NOV99 13.98 .00 0 21404 92 58400 49 37133.35 18NOV99 184.18 .00 0 21405 92 58400 49 5135.90 15NOV99 25.47 .00 0 21406 92 58400 49 39793.84 15NOV99 197.38 .00 0 21407 92 58400 49 10271.80 15NOV99 50.95 .00 0 21408 92 58400 49 102718.06 15NOV99 509.48 .00 0 21409 92 58400 49 16809.39 15NOV99 83.37 .00 0 21410 92 61800 49 67629.86 15NOV99 354.97 .00 0 21411 92 58400 49 5136.16 16NOV99 25.48 .00 0 21412 93 61800 49 10949.85 16NOV99 57.47 .00 0 21413 93 61800 49 6123.90 16NOV99 32.14 .00 0 21414 93 61800 49 10386.92 16NOV99 54.52 .00 0 21415 92 58400 49 25675.41 16NOV99 127.35 .00 0 21416 92 61800 49 39169.53 16NOV99 205.59 .00 0 21417 92 58400 49 51350.84 16NOV99 254.70 .00 0 21418 92 58400 49 51350.84 16NOV99 254.70 .00 0 21419 92 58400 49 40479.12 16NOV99 200.78 .00 0 21420 92 58400 49 1379.08 17NOV99 6.84 .00 0 21421 92 58400 49 12145.72 17NOV99 60.24 .00 0 21422 92 58400 49 6407.34 17NOV99 31.78 .00 0 21423 92 58400 49 51342.64 17NOV99 254.66 .00 0 21424 92 58400 49 7693.22 18NOV99 38.16 .00 0 21425 92 61800 49 97745.07 18NOV99 1 513.04 .00 0 21426 92 58400 49 8755.72 18NOV99 43.43 .00 0 21427 92 58400 49 45041.59 18NOV99 223.41 .00 0 21428 92 61800 49 50597.00 18NOV99 265.37 .00 0 21429 92 58400 49 4771.61 18NOV99 23.67 .00 0 21430 92 58400 49 31925.22 19NOV99 158.35 .00 0 21431 92 58400 49 11557.74 19NOV99 57.33 .00 0 21432 92 58400 49 38488.59 19NOV99 190.90 .00 0 21433 92 58400 49 38488.59 19NOV99 190.90 .00 0 21434 92 61800 49 16465.24 19NOV99 86.42 .00 0 21435 92 61800 49 77106.51 19NOV99 404.71 .00 0 21436 92 58400 49 30576.65 19NOV99 151.66 .00 0 21437 92 58400 49 17876.05 19NOV99 88.67 .00 0 21438 93 61800 49 4578.13 19NOV99 24.03 .00 0 21439 92 61800 49 100000.00 19NOV99 1 524.88 .00 0 21440 92 58400 49 12063.36 19NOV99 59.83 .00 0 21442 92 58400 49 7289.09 19NOV99 36.16 .00 0 21443 92 58400 49 32029.91 19NOV99 158.87 .00 0 21444 92 58400 49 43127.62 19NOV99 213.91 .00 0 21445 92 58400 49 43127.53 19NOV99 213.91 .00 0 21446 92 58400 49 26222.41 19NOV99 130.06 .00 0 21447 92 58400 49 2397.98 19NOV99 11.89 .00 0 21448 92 58400 49 50000.00 01DEC99 1 248.00 .00 0 21449 92 61800 49 9433.66 19NOV99 49.52 .00 0 21450 92 58400 49 4632.86 19NOV99 22.98 .00 0 21451 92 58400 49 11427.01 19NOV99 56.68 .00 0 21453 92 58400 49 41955.59 19NOV99 208.10 .00 0 21454 92 58400 49 26969.71 19NOV99 133.77 .00 0 21455 92 58400 49 3790.06 01DEC99 18.80 .00 0 21456 92 58400 49 19000.32 19NOV99 94.24 .00 0 21458 92 58400 49 11599.74 19NOV99 57.53 .00 0 21459 92 61800 49 22142.68 22NOV99 116.22 .00 0 21460 92 61800 33 35479.50 22NOV99 186.22 .00 0 21461 92 61800 49 18316.55 22NOV99 96.14 .00 0 21462 92 58400 49 25650.83 22NOV99 127.23 .00 0 21463 92 61800 33 51783.80 22NOV99 271.80 .00 0 21464 92 61800 33 61236.13 22NOV99 321.41 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 174 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 21465 92 61800 49 18695.46 24NOV99 98.13 .00 0 21466 92 58400 49 5128.53 24NOV99 25.44 .00 0 21467 92 58400 49 1335.20 24NOV99 6.62 .00 0 21468 93 61800 49 99000.00 03JAN00 1 519.63 .00 0 21469 92 58400 49 17153.16 26NOV99 85.08 .00 0 21470 92 58400 49 5410.48 26NOV99 26.84 .00 0 21471 92 58400 49 102537.74 26NOV99 508.59 .00 0 21472 92 61800 49 12031.63 26NOV99 63.15 .00 0 21473 92 58400 49 15698.13 26NOV99 77.87 .00 0 21474 92 58400 49 34147.17 26NOV99 169.37 .00 0 21475 92 58400 49 34132.10 26NOV99 169.30 .00 0 21476 92 58400 49 4693.08 26NOV99 23.28 .00 0 21477 92 61800 33 31611.59 29NOV99 165.92 .00 0 21478 92 61800 68600.91 29NOV99 360.07 .00 0 21479 92 58400 49 5124.43 29NOV99 25.42 .00 0 21480 92 58400 49 4029.05 29NOV99 19.98 .00 0 21481 92 58400 49 23608.19 29NOV99 117.10 .00 0 21482 92 58400 49 24244.56 29NOV99 120.25 .00 0 21483 92 58400 49 30746.58 29NOV99 152.50 .00 0 21484 ###-###-####.06 29NOV99 49.93 .00 0 21487 93 58400 49 102472.17 30NOV99 508.26 .00 0 21488 93 61800 33 35916.15 30NOV99 188.52 .00 0 21489 92 58400 49 25338.62 30NOV99 125.48 .00 0 21490 92 58400 49 10616.21 30NOV99 52.66 .00 0 21491 92 61800 27991.14 30NOV99 146.92 .00 0 21492 92 59400 49 60664.28 01DEC99 306.05 .00 0 21493 92 58400 49 20000.00 01DEC99 1 99.20 .00 0 21494 92 58400 49 2561.40 01DEC99 12.70 .00 0 21495 92 58400 49 5587.61 21MAR00 27.71 .00 0 21496 93 58400 30000.00 02DEC99 1 148.80 .00 0 21497 92 58400 49 11029.82 01DEC99 54.71 .00 0 21498 92 58400 49 16958.22 02DEC99 84.11 .00 0 21499 92 58400 49 102439.46 02DEC99 508.10 .00 0 21500 92 58400 33 76829.59 02DEC99 381.07 .00 0 21501 92 61800 49 30774.87 02DEC99 161.53 .00 0 21502 92 58400 49 16212.26 02DEC99 1 80.41 .00 0 21503 92 58400 49 51219.73 02DEC99 254.05 .00 0 21504 92 58400 49 25609.86 02DEC99 127.02 .00 0 21505 92 58400 49 84468.97 03DEC99 418.97 .00 0 21506 92 58400 52940.90 03DEC99 262.59 .00 0 21507 92 58400 49 15910.39 03DEC99 78.92 .00 0 21508 92 61800 49 97480.58 03DEC99 511.65 .00 0 21509 92 58400 15363.47 03DEC99 76.20 .00 0 21510 92 61800 97150.85 03DEC99 509.92 .00 0 21511 92 61800 49 100000.00 03DEC99 1 524.08 .00 0 21512 93 58400 33 4863.87 03DEC99 24.12 .00 0 21513 92 58400 100979.94 08MAR00 1 1 498.47 .00 0 21514 92 58400 49 11357.77 06DEC99 56.33 .00 0 21515 92 58400 49 50030.06 03FEB00 1 248.15 .00 0 21516 92 58400 49 2849.31 06DEC99 14.13 .00 0 21517 ###-###-####.64 06DEC99 19.94 .00 0 21518 93 58400 44063.65 06DEC99 218.56 .00 0 21519 92 58400 49 11983.26 06DEC99 59.44 .00 0 21520 92 58400 49 22143.02 07DEC99 109.83 .00 0 21521 92 58400 49 2648.85 07DEC99 13.14 .00 0 21522 92 58400 49 50000.00 08DEC99 1 248.00 .00 0 21523 92 61800 49 61739.45 08DEC99 324.06 .00 0 21524 92 58400 49 12008.05 08DEC99 59.56 .00 0 21525 92 58400 49 23336.34 08DEC99 115.75 .00 0 21526 92 58400 49 23336.34 08DEC99 115.75 .00 0 21527 92 58400 49 23336.34 08DEC99 115.75 .00 0 21528 92 58400 49 23336.34 08DEC99 115.75 .00 0 21529 92 61800 49 100000.00 13JAN00 1 524.88 .00 0 21530 92 61800 49 100000.00 13JAN00 1 524.88 .00 0 21531 92 61800 49 51230.98 09DEC99 268.90 .00 0 21532 92 58400 26927.09 10DEC99 133.56 .00 0 21533 92 61800 101037.15 08MAR00 1 1 527.64 .00 0 21535 92 61800 50964.87 10DEC99 267.50 .00 0 21536 92 58400 16626.50 10DEC99 82.47 .00 0 21537 93 61800 87720.09 10DEC99 460.42 .00 0 21538 92 58400 49 8184.72 10DEC99 40.60 .00 0 21539 93 61800 12293.36 10DEC99 64.52 .00 0 21540 92 58400 49 10230.88 10DEC99 50.75 .00 0 21541 92 61800 49 10237.48 13DEC99 53.73 .00 0 21542 92 58400 49 10226.00 13DEC99 50.72 .00 0 21543 92 61800 49 50972.57 13DEC99 267.54 .00 0 21544 92 00584 49 30979.98 13DEC99 1.54 .00 0 21545 ###-###-####.87 14DEC99 10.14 .00 0 21546 92 58400 49 23516.06 14DEC99 116.64 .00 0 21547 92 58400 49 5111.38 15DEC99 25.35 .00 0 21548 92 58400 49 10222.13 15DEC99 50.70 .00 0 21549 92 61800 12679.24 16DEC99 66.55 .00 0 21551 92 58400 49 10000.00 16DEC99 1 49.60 .00 0 21552 92 58400 49 10000.00 16DEC99 1 49.60 .00 0 21553 ###-###-####.82 16DEC99 10.74 .00 0 21554 92 61800 65150.38 17DEC99 1 341.96 .00 0 21575 92 58400 49 15329.22 17DEC99 76.03 .00 0 21576 ###-###-####.26 20DEC99 29.85 .00 0 21577 93 61800 23720.79 20DEC99 124.50 .00 0 21578 92 58400 49 10214.59 20DEC99 50.66 .00 0 21579 92 58400 49 12160.01 20DEC99 60.31 .00 0 21580 93 61800 60 3801.49 21DEC99 19.95 .00 0 21581 92 58400 49 12535.00 21DEC99 62.17 .00 0 21582 93 61800 81789.85 22DEC99 429.30 .00 0 21583 92 58400 49 23455.77 22DEC99 116.34 .00 0 21584 92 61800 49 100000.00 11JAN00 1 524.88 .00 0 21585 92 58400 25520.14 24DEC99 126.58 .00 0 21586 92 58400 49 87596.82 23DEC99 434.48 .00 0 21587 92 61800 60 51118.65 22DEC99 268.31 .00 0 21588 ###-###-####.99 23DEC99 15.30 .00 0 21589 93 58400 15972.46 23DEC99 79.22 .00 0 21590 92 58400 49 7937.01 23DEC99 39.37 .00 0 21591 93 58400 41576.06 23DEC99 206.22 .00 0 21592 92 58400 49 26406.24 24DEC99 130.97 .00 0 21593 92 58400 49 22541.92 27DEC99 111.81 .00 0 21595 ###-###-####.63 27DEC99 10.12 .00 0 21596 ###-###-####.39 27DEC99 8.60 .00 0 21597 92 58400 22175.84 27DEC99 109.99 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 175 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 21598 92 58400 49 2040.31 28DEC99 10.12 .00 0 21599 92 58400 49 26298.81 30DEC99 130.44 .00 0 21600 92 58400 49 67319.37 29DEC99 333.90 .00 0 21601 92 58400 49 25495.67 30DEC99 126.46 .00 0 21603 92 58400 49 20382.93 04JAN00 101.10 .00 0 21604 92 58400 49 5095.88 03JAN00 25.28 .00 0 21605 92 58400 49 4076.05 04JAN00 20.22 .00 0 21606 92 58400 49 6774.66 04JAN00 33.60 .00 0 21607 93 61800 73375.40 05JAN00 385.13 .00 0 21608 92 58400 49 7329.56 05JAN00 36.35 .00 0 21609 92 58400 49 33960.73 05JAN00 168.45 .00 0 21610 93 58400 25471.29 05JAN00 126.34 .00 0 21611 92 58400 91605.25 06JAN00 454.36 .00 0 21612 92 58400 49 3279.27 06JAN00 16.27 .00 0 21613 92 58400 49 37869.52 06JAN00 187.83 .00 0 21614 92 58400 49 37869.52 06JAN00 187.83 .00 0 21615 93 61800 11934.05 06JAN00 62.64 .00 0 21616 93 61800 119589.32 06JAN00 627.70 .00 0 21617 92 58400 49 31065.08 07JAN00 154.08 .00 0 21618 92 58400 49 50926.36 07JAN00 252.59 .00 0 21619 93 58400 30530.25 07JAN00 151.43 .00 0 21620 ###-###-####.02 07JAN00 12.28 .00 0 21621 ###-###-####.48 07JAN00 18.94 .00 0 21622 ###-###-####.02 07JAN00 12.28 .00 0 21623 92 58400 49 66204.26 07JAN00 328.37 .00 0 21624 92 58400 49 5689.38 10JAN00 28.22 .00 0 21625 92 58400 49 1487.32 10JAN00 7.38 .00 0 21626 92 58400 49 2441.66 10JAN00 12.11 .00 0 21627 92 58400 49 10180.40 10JAN00 50.49 .00 0 21628 92 58400 49 4733.98 10JAN00 23.48 .00 0 21629 92 58400 49 20360.80 10JAN00 100.99 .00 0 21630 92 58400 49 10012.04 10JAN00 1 49.66 .00 0 21631 92 58400 49 47847.89 10JAN00 237.33 .00 0 21632 92 58400 49 15270.60 10JAN00 75.74 .00 0 21633 92 58400 49 12547.34 10JAN00 62.23 .00 0 21634 92 58400 49 20360.80 10JAN00 100.99 .00 0 21635 92 58400 49 100230.35 10JAN00 1 497.14 .00 0 21636 92 61800 80996.40 28APR00 425.13 .00 0 21637 92 58400 49 5136.18 10JAN00 25.48 .00 0 21638 92 58400 49 57655.37 10JAN00 285.97 .00 0 21639 92 58400 49 1947.79 11JAN00 9.66 .00 0 21640 92 58400 49 2573.16 11JAN00 12.76 .00 0 21641 93 61800 58078.78 11JAN00 304.84 .00 0 21642 92 58400 49 28976.12 11JAN00 143.72 .00 0 21643 92 58400 49 8143.02 11JAN00 40.39 .00 0 21644 92 58400 49 50885.77 12JAN00 252.39 .00 0 21645 92 61800 49 31586.70 11JAN00 165.79 .00 0 21646 92 61800 63 31586.70 11JAN00 165.79 .00 0 21647 92 58400 49 10000.00 12JAN00 1 49.60 .00 0 21648 92 58400 49 20354.31 12JAN00 100.96 .00 0 21649 92 58400 49 10177.16 12JAN00 50.48 .00 0 21650 92 58400 49 5087.76 13JAN00 25.24 .00 0 21651 92 58400 49 5107.08 13JAN00 25.33 .00 0 21652 92 58400 49 20162.37 14JAN00 100.01 .00 0 21653 92 58400 49 47817.38 14JAN00 237.17 .00 0 21654 92 58400 49 30723.06 14JAN00 152.39 .00 0 21655 92 59400 49 20924.91 14JAN00 105.56 .00 0 21656 92 59400 49 22823.84 14JAN00 115.14 .00 0 21657 93 58400 25434.76 14JAN00 126.16 .00 0 21658 92 58400 49 2034.78 14JAN00 10.09 .00 0 21659 92 58400 49 32173.99 14JAN00 159.58 .00 0 21660 92 58400 49 20347.82 14JAN00 100.93 .00 0 21661 92 58400 49 53623.26 14JAN00 265.97 .00 0 21662 92 58400 49 6490.92 18JAN00 32.19 .00 0 21663 92 58400 49 75929.27 18JAN00 376.61 .00 0 21664 92 58400 49 43232.45 18JAN00 214.43 .00 0 21665 92 58400 49 103894.76 18JAN00 515.32 .00 0 21666 92 58400 49 50837.08 18JAN00 252.15 .00 0 21667 92 58400 49 80672.57 18JAN00 400.14 .00 0 21668 92 58400 49 5083.71 18JAN00 25.22 .00 0 21669 92 61800 67241.85 18JAN00 352.94 .00 0 21670 92 58400 49 17759.35 18JAN00 88.09 .00 0 21671 92 58400 49 2784.68 18JAN00 13.81 .00 0 21672 92 58400 49 15759.49 18JAN00 78.17 .00 0 21673 92 58400 15286.01 18JAN00 75.82 .00 0 21674 92 58400 101073.47 18JAN00 501.33 .00 0 21675 92 58400 49 25534.38 23DEC99 126.65 .00 0 21676 92 58400 49 45565.31 19JAN00 226.00 .00 0 21677 92 58400 49 37188.05 19JAN00 184.45 .00 0 21678 92 58400 49 50709.27 19JAN00 1 251.52 .00 0 21679 92 59400 49 50845.97 24JAN00 256.51 .00 0 21680 92 58400 11651.08 19JAN00 57.79 .00 0 21681 92 58400 49 23021.95 19JAN00 114.19 .00 0 21682 92 58400 49 5082.08 20JAN00 25.21 .00 0 21683 92 58400 49 8828.36 21JAN00 43.79 .00 0 21684 92 58400 49 2980.76 21JAN00 14.78 .00 0 21685 92 58400 49 8570.09 21JAN00 42.51 .00 0 21687 93 61800 101720.69 21JAN00 533.91 .00 0 21688 ###-###-####.27 21JAN00 9.07 .00 0 21689 92 58400 49 11812.69 21JAN00 58.59 .00 0 21690 ###-###-####.82 24JAN00 5.83 .00 0 21691 92 58400 49 2702.00 24JAN00 13.40 .00 0 21692 92 58400 49 15000.00 24JAN00 1 74.40 .00 0 21693 92 59700 49 58935.00 24JAN00 298.82 .00 0 21694 93 61800 30011.51 24JAN00 157.52 .00 0 21695 92 58400 49 5303.83 24JAN00 26.31 .00 0 21696 92 58400 49 4063.07 24JAN00 20.15 .00 0 21697 92 58400 49 1015.77 24JAN00 5.04 .00 0 21698 92 60400 49 1016.31 24JAN00 5.21 .00 0 21699 93 58400 36315.95 24JAN00 180.13 .00 0 21700 92 58400 49 6308.49 24JAN00 31.29 .00 0 21701 92 59700 49 15239.31 25JAN00 77.27 .00 0 21702 92 58400 49 31453.43 25JAN00 156.01 .00 0 21725 92 58400 49 60000.00 03MAR00 1 297.60 .00 0 21726 93 61100 57344.50 03FEB00 297.58 .00 0 21727 92 60600 49 13716.22 03FEB00 70.60 .00 0 21728 92 60600 49 6781.32 04FEB00 34.90 .00 0 21729 92 60600 49 25528.19 04FEB00 1 131.39 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 176 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 21730 92 58400 49 255926.63 04FEB00 1269.40 .00 0 21731 92 60600 49 35301.29 04FEB00 181.69 .00 0 21732 93 62600 49 24786.95 04FEB00 131.79 .00 0 21733 92 62600 49 20299.90 04FEB00 107.93 .00 0 21734 92 62600 49 22978.00 04FEB00 122.17 .00 0 21735 92 60600 49 13948.84 04FEB00 71.79 .00 0 21736 92 62600 49 21962.42 04FEB00 116.77 .00 0 21737 92 58400 49 27109.07 07FEB00 134.46 .00 0 21738 92 60600 49 16599.69 07FEB00 85.44 .00 0 21739 92 58400 49 8362.94 07FEB00 41.48 .00 0 21740 92 58400 49 91214.98 07FEB00 452.43 .00 0 21741 92 60600 49 96331.02 07FEB00 495.80 .00 0 21742 92 60600 49 96331.02 07FEB00 495.80 .00 0 21743 92 58400 49 45555.45 07FEB00 225.96 .00 0 21744 92 60200 49 95308.27 07FEB00 487.30 .00 0 21745 92 58400 49 8547.96 07FEB00 42.40 .00 0 21746 92 58400 49 7815.22 07FEB00 38.76 .00 0 21747 92 58400 49 2137.01 07FEB00 10.60 .00 0 21748 92 58400 49 2137.01 07FEB00 10.60 .00 0 21749 92 58400 49 94921.40 07FEB00 470.81 .00 0 21750 92 60600 49 10140.12 07FEB00 5219 .00 0 21751 92 60600 41754.60 07FEB00 214.90 .00 0 21752 92 58400 49 10691.67 07FEB00 53.03 .00 0 21753 92 58400 49 58791.00 07FEB00 291.60 .00 0 21754 92 60600 49 50000.00 08FEB00 1 257.34 .00 0 21755 92 60600 20008.43 08FEB00 102.98 .00 0 21756 92 60400 49 52717.45 08FEB00 270.43 .00 0 21757 92 60600 49 83634.74 01MAR00 430.46 .00 0 21758 93 58400 50658.83 09FEB00 251.27 .00 0 21759 92 62500 49 15110.18 09FEB00 80.21 .00 0 21760 93 60600 29224.92 09FEB00 150.42 .00 0 21761 92 62600 30423.87 09FEB00 161.75 .00 0 21762 92 62600 30423.87 09FEB00 161.75 .00 0 21763 92 60600 49 15430.01 10FEB00 79.42 .00 0 21764 92 60600 49 7510.44 10FEB00 38.66 .00 0 21765 92 60600 12453.69 10FEB00 64.10 .00 0 21766 93 60600 1215.18 10FEB00 6.25 .00 0 21767 93 60600 36486.27 10FEB00 187.79 .00 0 21768 92 60600 49 45607.84 10FEB00 234.74 .00 0 21769 92 60600 49 3206.39 10FEB00 16.50 .00 0 21770 92 60600 49 16020.64 11FEB00 82.46 .00 0 21771 92 58400 49 67453.23 11FEB00 334.57 .00 0 21772 92 60600 49 95253.94 11FEB00 490.26 .00 0 21773 93 58400 49 6642.46 11FEB00 32.95 .00 0 21774 92 58400 49 2428.74 11FEB00 12.05 .00 0 21775 92 60600 49 34453.55 11FEB00 177.33 .00 0 21776 92 58400 49 12887.07 14FEB00 63.92 .00 0 21777 92 60600 49 47280.68 14FEB00 243.35 .00 0 21778 92 58400 49 5061.84 14FEB00 25.11 .00 0 21779 92 60600 49 2636.01 14FEB00 13.57 .00 0 21780 92 60600 49 1552.90 14FEB00 7.99 .00 0 21781 92 60600 49 14896.84 14FEB00 76.67 .00 0 21782 92 60600 49 16014.60 14FEB00 82.42 .00 0 21783 92 61800 20261.84 14FEB00 106.35 .00 0 21784 92 61800 20261.84 14FEB00 106.35 .00 0 21785 92 58400 49 20000.00 14FEB00 1 99.20 .00 0 21786 92 60600 49 2380.36 14FEB00 12.25 .00 0 21787 ###-###-####.25 14FEB00 30.37 .00 0 21788 92 58400 49 23785.25 15FEB00 117.97 .00 0 21789 92 60600 49 1050.30 15FEB00 5.41 .00 0 21790 92 60600 49 1012.67 15FEB00 5.21 .00 0 21791 92 60600 49 3393.62 16FEB00 17.47 .00 0 21792 92 60600 49 2025.01 16FEB00 10.42 .00 0 21793 92 60600 49 2025.01 16FEB00 10.42 .00 0 21794 92 60600 49 36444.01 17FEB00 187.57 .00 0 21795 92 60600 49 69570.68 17FEB00 358.07 .00 0 21796 92 60600 49 2857.94 18FEB00 14.71 .00 0 21797 92 62500 49 101398.34 18FEB00 538.24 .00 0 21798 93 62500 52 10125.49 18FEB00 53.75 .00 0 21799 92 60600 49 13032.46 18FEB00 67.08 .00 0 21800 92 58400 49 2631.09 17FEB00 13.05 .00 0 21801 93 60600 49 29863.84 17FEB00 153.70 .00 0 21802 92 60600 49 96171.69 17FEB00 494.98 .00 0 21803 92 62500 49 23292.60 17FEB00 123.64 .00 0 21804 92 61800 49 17637.39 17FEB00 92.57 .00 0 21805 92 58400 49 4884.61 25JAN00 24.23 .00 0 21806 92 58400 49 81235.45 26JAN00 402.93 .00 0 21807 93 61800 85372.05 26JAN00 448.10 .00 0 21808 92 58400 49 8564.82 26JAN00 42.48 .00 0 21809 92 58400 49 32106.99 27JAN00 159.25 .00 0 21810 92 59700 49 104677.84 27JAN00 530.76 .00 0 21811 92 58400 49 11559.19 28JAN00 57.33 .00 0 21812 92 58400 49 6089.79 28JAN00 30.21 .00 0 21813 92 59700 49 5354.09 28JAN00 27.15 .00 0 21814 92 60600 49 6417.62 03FEB00 33.03 .00 0 21815 92 60600 49 3208.81 03FEB00 16.52 .00 0 21816 92 60600 49 3208.81 03FEB00 16.52 .00 0 21817 92 59200 49 16120.67 28JAN00 81.05 .00 0 21818 93 61100 25395.53 28JAN00 131.79 .00 0 21819 92 59700 13823.50 28JAN00 70.09 .00 0 21820 92 59700 49 13823.50 28JAN00 70.09 .00 0 21821 92 58400 49 7518.98 31JAN00 37.29 .00 0 21822 92 58400 49 3560.15 31JAN00 17.66 .00 0 21823 92 58400 49 11475.74 31JAN00 56.92 .00 0 21824 92 61600 49 10154.37 31JAN00 53.13 .00 0 21825 92 60400 49 50756.75 31JAN00 260.38 .00 0 21826 92 58400 49 129948.58 02FEB00 1 644.54 .00 0 21827 92 60600 49 7705.90 22FEB00 39.66 .00 0 21828 92 60600 49 6917.72 22FEB00 35.60 .00 0 21829 92 60600 49 20229.89 22FEB00 104.12 .00 0 21830 92 60600 49 87771.16 22FEB00 451.74 .00 0 21831 92 58400 49 15227.51 22FEB00 1 75.53 .00 0 21832 93 58400 76201.49 04APR00 1 377.96 .00 0 21833 92 60600 49 11198.62 23FEB00 57.64 .00 0 21834 93 60600 10113.27 23FEB00 52.05 .00 0 21835 93 60600 10113.27 23FEB00 52.05 .00 0 21836 93 60600 10113.27 23FEB00 52.05 .00 0 21837 92 60600 49 95064.77 23FEB00 489.28 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 177 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 21838 92 60600 49 5055.80 24FEB00 26.02 .00 0 21839 92 58400 49 1323.53 24FEB00 6.56 .00 0 21840 92 58400 49 73892.86 24FEB00 366.51 .00 0 21841 92 60600 49 2581.60 24FEB00 13.29 .00 0 21842 92 58400 49 30919.80 24FEB00 153.36 .00 0 21843 92 58400 49 1255.61 25FEB00 6.23 .00 0 21844 92 60600 49 100088.70 02MAR00 515.14 .00 0 21845 92 60600 49 11368.78 25FEB00 58.51 .00 0 21846 92 60600 49 75824.39 25FEB00 390.26 .00 0 21847 92 60600 50122.19 28FEB00 257.97 .00 0 21848 92 60600 49 9215.73 29FEB00 47.43 .00 0 21849 92 58400 28793.01 29FEB00 142.81 .00 0 21850 92 60600 49 2490.74 29FEB00 12.82 .00 0 21851 92 60600 49 40594.95 29FEB00 208.94 .00 0 21852 92 60600 49 20203.07 01MAR00 103.98 .00 0 21853 86 53700 11434.09 01MAR00 52.15 .00 0 21854 ###-###-####.88 01MAR00 37.42 .00 0 21855 93 60600 60599.19 02MAR00 311.89 .00 0 21856 92 60600 49 44954.01 02MAR00 231.37 .00 0 21857 92 60600 5326.95 02MAR00 27.42 .00 0 21858 92 60600 49 1014.08 03MAR00 5.22 .00 0 21859 92 60600 49 49817.13 03MAR00 256.40 .00 0 21860 92 60600 49 1009.99 03MAR00 5.20 .00 0 21861 93 64400 13000.00 06MAR00 1 71.10 .00 0 21862 93 62500 50853.67 06MAR00 269.94 .00 0 21863 92 60600 49 2873.31 06MAR00 14.79 .00 0 21864 ###-###-####.06 06MAR00 26.80 .00 0 21865 93 62500 32638.46 03APR00 1 173.25 .00 0 21866 92 60600 49 1210.98 07MAR00 6.23 .00 0 21867 92 62500 49 37344.02 07MAR00 198.23 .00 0 21868 92 62500 49 50463.38 08MAR00 267.87 .00 0 21869 93 67700 49 32315.33 09MAR00 185.81 .00 0 21870 93 65800 10095.77 09MAR00 56.42 .00 0 21871 93 65800 10095.77 09MAR00 56.42 .00 0 21872 93 65800 18863.68 03APR00 105.42 .00 0 21873 93 65800 49 14687.00 09MAR00 82.08 .00 0 21874 93 65800 10095.77 09MAR00 56.42 .00 0 21875 92 62500 49 7568.22 09MAR00 40.17 .00 0 21876 93 65800 40375.83 10MAR00 225.64 .00 0 21877 92 62500 49 2205.20 10MAR00 11.71 .00 0 21878 92 62500 49 2205.20 10MAR00 11.71 .00 0 21879 92 62500 49 2205.21 10MAR00 11.71 .00 0 21880 92 62500 49 3026.77 10MAR00 16.07 .00 0 21881 93 65800 49 39393.84 10MAR00 220.15 .00 0 21882 93 65800 26563.60 23MAR00 148.45 .00 0 21883 93 65800 49 110173.03 10MAR00 615.70 .00 0 21884 93 65800 60642.42 10MAR00 338.90 .00 0 21885 92 60600 49 1512.98 10MAR00 7.79 .00 0 21886 93 65800 49 6706.55 13MAR00 37.48 .00 0 21887 93 65800 40137.39 13MAR00 224.31 .00 0 21888 93 65800 107696.51 13MAR00 601.86 .00 0 21889 93 67700 27245.92 13MAR00 156.66 .00 0 21890 93 67700 27245.92 13MAR00 156.66 .00 0 21891 93 65800 18858.16 13MAR00 105.39 .00 0 21892 93 65800 27239.00 13MAR00 152.22 .00 0 21893 93 65800 60531.11 13MAR00 338.28 .00 0 21894 93 65800 35309.82 13MAR00 197.33 .00 0 21895 93 65800 15547.61 14MAR00 86.89 .00 0 21896 93 65800 15000.00 14MAR00 1 83.83 .00 0 21897 93 65800 10526.31 14MAR00 58.83 .00 0 21898 93 65800 49 22432.05 14MAR00 125.36 .00 0 21899 92 60600 49 5039.92 14MAR00 25.94 .00 0 21900 93 65800 49 10086.71 14MAR00 56.37 .00 0 21901 93 65800 16832.31 15MAR00 94.07 .00 0 21902 93 65800 10084.90 15MAR00 56.36 .00 0 21903 93 65800 90000.00 15MAR00 1 502.96 .00 0 21904 93 65800 20166.17 16MAR00 112.70 .00 0 21905 93 67800 100856.13 16MAR00 580.77 .00 0 21906 93 65800 13346.11 16MAR00 74.58 .00 0 21907 ###-###-####.62 16MAR00 11.27 .00 0 21908 ###-###-####.14 16MAR00 30.34 .00 0 21909 93 67700 12102.58 16MAR00 69.59 .00 0 21910 93 67700 12102.58 16MAR00 69.59 .00 0 21911 93 65800 30249.24 16MAR00 169.05 .00 0 21912 93 65800 49 13811.79 16MAR00 77.19 .00 0 21915 93 67800 30256.83 16MAR00 174.23 .00 0 21916 92 60600 1552.08 16MAR00 7.99 .00 0 21917 ###-###-####.62 16MAR00 11.27 .00 0 21918 93 65800 50415.41 16MAR00 281.75 .00 0 21919 93 65800 15124.63 16MAR00 84.52 .00 0 21920 93 65800 10083.08 16MAR00 56.35 .00 0 21923 93 67800 49 30256.83 16MAR00 174.23 .00 0 21924 93 65800 10083.08 16MAR00 56.35 .00 0 21925 93 65800 10083.08 16MAR00 56.35 .00 0 21926 93 65800 10083.08 16MAR00 56.35 .00 0 21927 93 65800 20166.17 16MAR00 112.70 .00 0 21928 93 65800 24199.40 16MAR00 135.24 .00 0 21929 93 65800 20166.17 16MAR00 112.70 .00 0 21930 87 58400 49 20147.45 16MAR00 99.93 .00 0 21931 93 67800 60513.67 16MAR00 348.46 .00 0 21932 93 65800 90155.56 22MAR00 503.83 .00 0 21933 93 65800 10468.98 16MAR00 58.51 .00 0 21934 93 65800 99000.00 16MAR00 1 553.26 .00 0 21935 93 65800 10081.27 17MAR00 56.34 .00 0 21936 93 65800 15121.90 17MAR00 84.51 .00 0 21937 93 65800 10081.27 17MAR00 56.34 .00 0 21938 93 65800 29069.15 17MAR00 162.45 .00 0 21939 93 65800 70568.89 17MAR00 394.37 .00 0 21940 93 65800 65528.25 17MAR00 366.20 .00 0 21941 93 65800 16130.04 17MAR00 90.14 .00 0 21942 93 65800 11072.02 17MAR00 61.88 .00 0 21943 92 60600 49 17286.54 20MAR00 88.97 .00 0 21944 93 65800 15093.15 20MAR00 84.35 .00 0 21945 93 65800 36620.15 20MAR00 204.65 .00 0 21946 93 65800 13098.58 20MAR00 73.20 .00 0 21947 93 65800 13602.37 20MAR00 76.02 .00 0 21948 93 65800 13602.37 20MAR00 76.02 .00 0 21949 93 65800 12085.92 03APR00 67.54 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 178 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 21950 93 65800 26099.64 25APR00 145.86 .00 0 21951 93 65800 20972.88 20MAR00 117.21 .00 0 21952 93 65800 10075.83 20MAR00 56.31 .00 0 21955 93 65800 49 70518.14 21MAR00 394.09 .00 0 21956 93 65800 49 14391.13 22MAR00 80.42 .00 0 21957 92 60600 49 1150.91 21MAR00 5.92 .00 0 21958 93 65800 10074.02 21MAR00 56.30 .00 0 21959 ###-###-####.55 22MAR00 39.40 .00 0 21960 ###-###-####.86 22MAR00 52.13 .00 0 21961 93 65800 30216.62 22MAR00 168.87 .00 0 21962 93 65800 15108.31 22MAR00 84.43 .00 0 21963 93 65800 32914.30 22MAR00 183.94 .00 0 21964 93 65800 49 10000.00 23MAR00 1 55.88 .00 0 21965 93 65800 20140.79 23MAR00 112.56 .00 0 21966 92 65800 49 15096.53 28MAR00 84.37 .00 0 21967 93 65800 60451.71 23MAR00 337.83 .00 0 21968 93 65800 49 33232.30 23MAR00 185.72 .00 0 21969 93 65800 49 33232.30 23MAR00 185.72 .00 0 21970 93 65800 49 33232.30 23MAR00 185.72 .00 0 21971 93 65800 25171.45 24MAR00 140.67 .00 0 21972 93 65800 49 100685.82 24MAR00 562.68 .00 0 21973 93 65800 49 100685.82 24MAR00 562.68 .00 0 21974 93 65800 49 10063.14 27MAR00 56.24 .00 0 21975 93 65800 26801.57 27MAR00 149.78 .00 0 21976 93 65800 10063.14 27MAR00 56.24 .00 0 21977 93 65800 10063.14 27MAR00 56.24 .00 0 21978 93 65800 49 26177.26 27MAR00 146.29 .00 0 21979 93 65800 49 20126.29 27MAR00 112.48 .00 0 21980 93 65800 10063.14 27MAR00 56.24 .00 0 21981 92 60600 49 2011.30 28MAR00 10.35 .00 0 21982 93 65800 60 10061.33 28MAR00 56.23 .00 0 21983 93 65800 49 19116.53 28MAR00 106.83 .00 0 21984 93 67700 100631.04 28MAR00 578.61 .00 0 21985 92 62500 49 2011.65 28MAR00 10.68 .00 0 21986 93 65800 39397.51 28MAR00 220.17 .00 0 21987 93 65800 100591.05 21APR00 562.15 .00 0 21988 93 65800 27160.70 29MAR00 151.79 .00 0 21989 ###-###-####.34 29MAR00 14.96 .00 0 21990 93 65800 60 10059.52 29MAR00 56.22 .00 0 21991 93 65800 60 10059.52 29MAR00 56.22 .00 0 21992 93 65800 60 10059.52 29MAR00 56.22 .00 0 21993 93 65800 60 10059.52 29MAR00 56.22 .00 0 21994 93 65800 60 10059.52 29MAR00 56.22 .00 0 21995 93 65800 60 10059.52 29MAR00 56.22 .00 0 21996 93 65800 60 10059.52 29MAR00 56.22 .00 0 21997 93 65800 60 10059.52 29MAR00 56.22 .00 0 21998 93 65800 60 10059.52 29MAR00 56.22 .00 0 21999 93 65800 60 10059.52 29MAR00 56.22 .00 0 22000 93 65800 60 10059.52 29MAR00 56.22 .00 0 22001 93 65800 60 10059.52 29MAR00 56.22 .00 0 22002 93 65800 60 10059.52 29MAR00 56.22 .00 0 22003 93 65800 10054.08 29MAR00 56.19 .00 0 22004 93 65800 60 10059.52 29MAR00 56.22 .00 0 22005 93 65800 60 10059.52 29MAR00 56.22 .00 0 22006 93 65800 60 10059.52 29MAR00 56.22 .00 0 22007 93 65800 60 14455.26 29MAR00 80.78 .00 0 22008 93 63000 60 5028.49 29MAR00 26.91 .00 0 22009 93 65800 12673.01 30MAR00 70.82 .00 0 22010 92 65800 15086.56 30MAR00 84.31 .00 0 22011 93 67700 88 41074.11 31MAR00 236.17 .00 0 22012 93 67700 88 14049.92 31MAR00 80.79 .00 0 22013 93 65800 28058.20 03APR00 156.80 .00 0 22014 92 66300 88 2010.17 03APR00 11.32 .00 0 22015 92 66300 88 2010.17 03APR00 11.32 .00 0 22016 92 64400 49 10049.40 03APR00 54.97 .00 0 22017 93 65800 88 10050.48 03APR00 56.17 .00 0 22018 92 64400 49 25123.51 03APR00 137.42 .00 0 22019 92 64400 49 2009.53 04APR00 10.99 .00 0 22020 92 64400 49 50238.19 04APR00 274.78 .00 0 22021 93 67700 49 2009.64 05APR00 11.56 .00 0 22022 93 67700 49 2009.64 05APR00 11.56 .00 0 22023 92 64400 49 6695.25 05APR00 36.62 .00 0 22024 93 65800 88 5866.53 05APR00 32.79 .00 0 22025 93 65800 88 40180.27 06APR00 224.55 .00 0 22026 92 64400 49 50211.73 07APR00 274.64 .00 0 22027 92 65800 49 25108.16 07APR00 140.32 .00 0 22028 92 64400 49 3674.09 07APR00 20.10 .00 0 22029 93 65800 88 2489.77 07APR00 13.91 .00 0 22030 92 66300 49 50190.73 10APR00 282.62 .00 0 22031 93 66300 88 50190.73 10APR00 282.62 .00 0 22032 93 66300 88 50190.73 10APR00 282.62 .00 0 22033 93 66300 88 50190.73 10APR00 282.62 .00 0 22034 92 00663 49 10000.38 10APR00 .56 .00 0 22035 92 66300 49 75286.09 10APR00 423.93 .00 0 22036 93 67700 88 75241.00 10APR00 1 432.63 .00 0 22037 92 64400 88 4136.04 11APR00 22.62 .00 0 22038 93 66300 49 3010.90 11APR00 16.95 .00 0 22039 92 66300 49 10036.33 11APR00 56.51 .00 0 22040 92 64400 49 93696.47 11APR00 512.48 .00 0 22041 92 64400 88 2007.06 11APR00 10.98 .00 0 22042 92 64400 88 2007.06 11APR00 10.98 .00 0 22043 92 64400 88 1324.66 11APR00 7.25 .00 0 22044 93 65880 88 20072.20 11APR00 112.31 .00 0 22045 92 64400 49 35356.86 12APR00 193.39 .00 0 22046 92 64400 49 2006.70 12APR00 10.98 .00 0 22047 92 64400 49 2006.70 12APR00 10.98 .00 0 22048 93 67700 88 6373.03 12APR00 36.64 .00 0 22049 93 65800 88 5016.22 13APR00 28.03 .00 0 22050 92 66300 49 200653.92 13APR00 1129.87 .00 0 22051 92 66300 49 60890.73 14APR00 342.87 .00 0 22052 92 64400 49 10029.99 14APR00 54.86 .00 0 22053 92 66300 49 7021.62 14APR00 39.54 .00 0 22054 92 64400 49 16471.63 14APR00 90.09 .00 0 22055 92 64400 49 5015.00 14APR00 27.43 .00 0 22056 92 66300 49 2006.18 14APR00 11.30 .00 0 22057 92 66300 49 67827.42 28APR00 381.93 .00 0 22058 92 66300 49 8732.99 14APR00 49.18 .00 0 22059 92 66300 49 8732.99 14APR00 49.18 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 179 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 22060 92 66300 49 100308.79 14APR00 564.83 .00 0 22061 92 66300 49 51213.87 17APR00 288.38 .00 0 22062 93 67700 88 4446.04 19APR00 25.56 .00 0 22064 92 64400 46 2004.94 17APR00 10.97 .00 0 22065 93 66500 49 7425.93 17APR00 41.94 .00 0 22066 93 65800 88 61000.00 17APR00 1 340.90 .00 0 22067 92 64400 49 2405.79 17APR00 13.16 .00 0 22068 93 66300 88 51568.78 18APR00 290.38 .00 0 22069 93 65800 46 20000.00 18APR00 1 111.77 .00 0 22070 92 64400 49 15389.40 19APR00 84.17 .00 0 22071 92 64400 88 22046.58 19APR00 120.59 .00 0 22072 92 66300 49 40087.19 19APR00 225.73 .00 0 22073 92 64400 49 16031.05 20APR00 87.68 .00 0 22074 93 67700 33 24750.39 20APR00 142.31 .00 0 22075 93 67700 88 75503.48 20APR00 434.13 .00 0 22076 92 64400 49 19036.88 20APR00 104.12 .00 0 22077 92 66300 49 95172.56 21APR00 535.91 .00 0 22078 93 65800 88 46464.54 21APR00 259.67 .00 0 22079 93 67700 88 74638.18 21APR00 429.16 .00 0 22080 92 64400 60 36443.35 21APR00 199.33 .00 0 22081 92 67700 88 100057.58 21APR00 1 575.32 .00 0 22082 93 65800 88 2813.87 24APR00 15.73 .00 0 22083 93 65800 88 2813.87 24APR00 15.73 .00 0 22084 93 67700 88 21711.66 24APR00 124.84 .00 0 22085 92 66300 49 15754.29 24APR00 88.71 .00 0 22086 92 64400 63 28337.06 24APR00 154.99 .00 0 22087 93 67700 88 2449.23 24APR00 14.08 .00 0 22088 93 67700 88 2920.88 24APR00 16.79 .00 0 22089 93 67700 88 15034.82 24APR00 86.45 .00 0 22090 93 67700 88 13019.81 25APR00 74.86 .00 0 22091 92 64400 49 10010.59 25APR00 54.75 .00 0 22092 92 66300 49 70076.29 25APR00 394.60 .00 0 22093 92 64400 49 20021.17 25APR00 109.51 .00 0 22094 93 65800 10010.82 25APR00 55.95 .00 0 22095 92 64400 49 15013.23 26APR00 82.12 .00 0 22096 93 65800 88 99089.24 26APR00 1 553.76 .00 0 22097 92 64400 49 2001.76 26APR00 10.95 .00 0 22099 93 65800 88 5878.24 26APR00 32.85 .00 0 22100 92 67700 88 17181.47 27APR00 98.79 .00 0 22101 93 67700 88 54040.06 27APR00 310.72 .00 0 22102 93 67700 88 5033.98 28APR00 28.94 .00 BRANCH TOTAL NBR ACCTS 2,885 CURRENT BALANCE 71,623,350.43 ANTIC INTEREST 308,744.09 482.39 50-95-21513 510.62 50-95-21533 71,622,357.42 earnings transfers that rejected and were manually posted 5/2/00
INST 75P BRANCH 60 SEQ-TYPE 6 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 180 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 2 01 00000 38 .01 18MAY99 .00 .00 0 3 ###-###-####.32 27APR00 1 .00 .00 0 6 03 39300 49866.04 15APR00 .00 .00 0 10 ###-###-####.94 07JUN99 .00 .00 0 13 ###-###-####.11 02FEB99 .00 .00 0 17 03 39300 539.50 06APR00 .00 .00 0 18 03 39300 454.45 08SEP99 .00 .00 0 20 03 39300 870.76 20JAN00 .00 .00 0 21 03 39300 548.72 20JAN00 .00 .00 0 22 03 39300 548.73 20JAN00 .00 .00 0 23 03 39300 518.15 20JAN00 .00 .00 0 24 ###-###-####.22 05APR00 .00 .00 0 26 03 39300 21.71 10MAR99 .00 .00 0 28 ###-###-####.66 05APR00 .00 .00 0 32 03 39300 134245.84 13MAR00 .00 .00 0 36 03 39300 82198.80 01OCT99 .00 .00 0 37 03 39300 .18 01SEP98 .00 .00 0 39 03 39300 23 73.58 07JUL99 .00 .00 0 41 03 39300 64 6696.72 18APR00 .00 .00 0 43 03 39300 11725.71 27APR00 .00 .00 0 45 03 39300 .76 08JAN99 .00 .00 0 46 ###-###-####.62 18APR00 .00 .00 0 47 03 39300 108.61 29JUL99 .00 .00 0 50 03 39300 14450.23 15MAR00 .00 .00 0 52 ###-###-####.12 03DEC99 .00 .00 0 58 03 39300 347.81 07FEB00 .00 .00 0 60 03 39300 723.69 20APR00 .00 .00 0 62 ###-###-####.64 28APR00 .00 .00 0 63 ###-###-####.42 21SEP98 .00 .00 0 64 ###-###-####.03 21APR00 .00 .00 0 65 03 39300 .15 04DEC98 .00 .00 0 69 03 39300 26.11 04JUN99 .00 .00 0 70 03 39300 3.59 28JUN99 .00 .00 0 71 03 39300 267.30 18OCT99 .00 .00 0 76 03 39300 72.95 24APR00 .00 .00 0 77 03 39300 21234.43 27APR00 .00 .00 0 79 03 39300 10602.20 13NOV98 .00 .00 0 81 03 39300 52982.47 18NOV98 .00 .00 0 83 03 39300 743.65 27APR00 .00 .00 0 86 ###-###-####.59 26JUL99 .00 .00 0 87 03 39300 2.21 06JAN99 .00 .00 0 88 03 39300 3.40 26FEB99 .00 .00 0 92 03 39300 .20 20MAR00 .00 .00 0 94 ###-###-####.85 28FEB00 .00 .00 0 95 03 39300 143.03 20JAN00 .00 .00 0 20034 02 48900 305.06 09FEB99 .00 .00 0 20050 ###-###-####.01 24FEB00 .00 .00 0 20076 02 48900 472.73 18APR00 .00 .00 0 20109 03 39300 .58 14AUG99 .00 .00 0 20111 ###-###-####.14 17APR00 .00 .00 0 20113 02 48900 21.02 20APR99 .00 .00 0 20114 02 48900 21.02 20APR99 .00 .00 0 20115 02 48900 80.92 14APR00 .00 .00 0 20116 02 48900 80.92 14APR00 .00 .00 0 20117 02 48900 228.10 10FEB00 .00 .00 0 20118 02 48900 230.64 10FEB00 .00 .00 0 20120 03 39300 22106.79 29APR99 .00 .00 0 20123 ###-###-####.27 08SEP99 .00 .00 0 20124 03 39300 3.90 28APR00 .00 .00 0 20137 03 39300 14.25 19APR00 .00 .00 0 20143 03 39300 125.65 28APR00 .00 .00 0 20157 ###-###-####.26 30JUN99 .00 .00 0 20161 03 39300 60 2205.82 02JUL99 .00 .00 0 20186 ###-###-####.13 19JUL99 .00 .00 0 20216 ###-###-####.19 30JUL99 .00 .00 0 20313 ###-###-####.90 27AUG99 .00 .00 0 20314 03 39300 3.58 03DEC99 .00 .00 0 20315 ###-###-####.38 20JAN00 .00 .00 0 20318 ###-###-####.18 31DEC99 .00 .00 0 20319 03 39300 2.31 11JAN00 .00 .00 0 20323 ###-###-####.25 27APR00 .00 .00 0 20354 ###-###-####.24 28APR00 .00 .00 0 20381 02 48900 103.01 22SEP99 .00 .00 0 20402 02 48900 416.58 07APR00 .00 .00 0 20454 02 48900 25.60 04NOV99 .00 .00 0 20455 02 48900 25.60 04NOV99 .00 .00 0 20459 03 39300 89 101.79 18NOV99 .00 .00 0 20494 02 48900 202.31 20MAR00 .00 .00 0 20498 02 48900 456.36 18JAN00 .00 .00 0 20503 02 48900 304.16 19JAN00 .00 .00 0 20505 02 48900 50.65 25JAN00 .00 .00 0 20506 02 48900 50.65 25JAN00 .00 .00 0 20507 02 48900 50.65 25JAN00 .00 .00 0 20508 02 48900 202.58 26JAN00 .00 .00 0 20521 ###-###-####.48 03APR00 .00 .00 0 20524 02 48900 129.52 03MAR00 .00 .00 0 20550 02 48900 88 50.17 06APR00 .00 .00 0 20551 02 48900 88 50.17 06APR00 .00 .00 0 20557 03 39300 88 790.32 10APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 181 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 10 00000 38 .01 17MAY99 .00 .00 0 2 12 00000 38 .01 17MAY99 .00 .00 0 3 17 00000 38 .00 17MAY99 .00 .00 0 4 19 00000 38 .01 17MAY99 .00 .00 0 10000 14 00000 37.00 28FEB00 .00 .00 0 10001 ###-###-####.45 28APR00 10.04 .00 0 10002 18 29600 134.47 21APR00 .19 .00 0 10003 18 29600 2.17 24APR00 .05 .00 0 i0000 11 27200 206.79 28APR00 4.44 .00 0 10007 ###-###-####.24 03JAN00 19.14 .00 0 10008 ###-###-####.50 28APR00 3.70 .00 0 10009 ###-###-####.77 24APR00 17.84 .00 0 10010 16 53700 27374.66 29FEB00 92.63 .00 0 10011 19 39300 141.06 26APR00 .81 .00 0 10012 16 53700 121000.14 13APR00 402.85 .00 0 10013 ###-###-####.69 13APR00 18.64 .00 0 10014 ###-###-####.92 17APR00 32.19 .00 0 10015 16 53700 84069.72 28APR00 328.62 .00 0 10016 16 53700 99048.61 22DEC99 335.16 .00 0 10017 18 29600 77 1297.94 10MAR00 2.42 .00 0 10018 16 53700 99246.02 08NOV99 335.83 .00 0 10019 16 53700 22355.14 10APR00 76.82 .00 0 10020 16 53700 53413.58 28APR00 114.37 .00 0 10022 16 53700 16467.11 16AUG99 38.76 .00 0 10024 11 27200 64 5815.06 27APR00 16.02 .00 0 10025 ###-###-####.13 12APR00 6.17 .00 0 10026 16 53700 11400.32 25OCT99 26.84 .00 0 10027 ###-###-####.10 03APR00 4.06 .00 0 10028 ###-###-####.10 15APR00 5.02 .00 0 10029 16 53700 19293.61 15APR00 45.42 .00 0 10030 16 53700 87242.36 14APR00 205.37 .00 0 10031 16 53700 56478.95 25APR00 125.59 .00 0 10032 ###-###-####.12 24APR00 9.39 .00 0 10033 19 39300 8.97 15FEB00 .02 .00 0 10034 14 00000 103.66 04SEP99 .00 .00 0 10035 ###-###-####.20 20APR00 6.76 .00 0 10037 16 53700 28016.93 07APR00 65.95 .00 0 10038 ###-###-####.58 26APR00 5.07 .00 0 10039 16 53700 29831.60 31MAR00 70.22 .00 0 10040 ###-###-####.85 26APR00 7.77 .00 0 10041 16 53700 13681.18 02MAR00 18.12 .00 0 10042 16 53700 14079.43 16FEB00 18.64 .00 0 10043 ###-###-####.70 26JAN00 10.43 .00 0 10044 15 00000 1880.00 18NOV99 .00 .00 0 10045 16 53700 23774.83 20DEC99 31.48 .00 0 10046 16 53700 19469.02 13APR00 25.78 .00 0 10047 ###-###-####.85 18APR00 8.10 .00 0 10048 ###-###-####.87 29APR00 10.68 .00 0 10049 ###-###-####.42 14APR00 11.37 .00 0 10050 16 53700 103827.28 28FEB00 137.48 .00 0 10051 16 53700 24972.51 17FEB00 33.07 .00 0 10054 16 53700 19582.04 03FEB00 25.93 .00 0 10055 16 53700 13827.95 25APR00 18.72 .00 0 10056 16 53700 13310.03 26APR00 45.72 .00 0 10058 16 53700 31626.19 18FEB00 41.88 .00 0 10059 16 53700 20380.21 15FEB00 26.99 .00 0 10060 16 53700 16942.50 14FEB00 4.99 .00 0 10062 ###-###-####.44 26APR00 2.20 .00 0 10063 11 27200 17.68 29APR00 .00 .00 0 10064 16 53700 603.31 18APR00 .18 .00 0 10065 16 53700 38109.53 23MAR00 11.21 .00 0 10066 16 53700 119543.00 24APR00 35.18 .00 0 10067 16 53700 17877.44 13APR00 5.26 .00 0 10068 ###-###-####.43 05APR00 2.33 .00 0 10069 ###-###-####.58 01FEB00 .56 .00 0 10070 16 53700 364053.84 19APR00 107.12 .00 0 10073 16 53700 10845.55 27APR00 3.19 .00 0 10074 16 53700 64 27361.13 04FEB00 8.05 .00 0 10075 ###-###-####.60 21APR00 .41 .00 0 10076 ###-###-####.05 05APR00 .59 .00 0 10077 ###-###-####.21 10FEB00 1.79 .00 0 10078 16 53700 17468.14 19APR00 5.14 .00 0 10079 ###-###-####.27 11JUN99 2.77 .00 0 10080 16 53700 20965.32 21APR00 .00 .00 0 10081 15 00000 2014.00 05APR00 .00 .00 0 10082 16 53700 70122.38 28APR00 .00 .00 0 10083 ###-###-####.39 18APR00 .00 .00 0 10084 ###-###-####.17 28APR00 .00 .00 0 10085 16 00000 3.68 24MAR00 .00 .00 0 10086 ###-###-####.58 28APR00 .00 .00 0 10087 16 53700 254.06 04JAN00 .00 .00 0 10088 ###-###-####.83 04JAN00 .00 .00 0 10089 16 53700 146487.46 14APR00 .00 .00 0 10091 16 53700 11649.92 10MAR00 .00 .00 0 10092 16 00000 2.58 13AUG99 .00 .00 0 10093 16 53700 23295.48 27APR00 .00 .00 0 10094 ###-###-####.89 24JAN00 .00 .00 0 10096 16 53700 49658.98 19APR00 .00 .00 0 10097 16 53700 100710.24 11APR00 .00 .00 0 10098 16 53700 46149.33 11FEB00 .00 .00 0 10100 ###-###-####.38 19APR00 8.50 .00 0 10101 16 53700 10935.28 18JAN00 37.00 .00 0 10102 ###-###-####.88 18APR00 15.26 .00 0 10103 16 53700 10693.58 15JUN99 36.19 .00 0 10104 ###-###-####.21 19APR00 26.05 .00 0 10105 16 53700 28737.80 08MAR00 97.24 .00 0 10106 ###-###-####.15 29APR00 1.66 .00 0 10107 16 53700 11841.93 28APR00 53.90 .00 0 10108 ###-###-####.19 28APR00 1.04 .00 0 10109 11 27200 89 3464.12 18APR00 3.73 .00 0 10110 16 53700 618.38 10APR00 1.91 .00 0 10111 ###-###-####.63 01FEB00 24.84 .00 0 10113 16 53700 33031.51 31DEC99 111.77 .00 0 10114 16 53700 322.33 10MAR00 1.09 .00 0 10115 16 53700 112620.51 16AUG99 381.09 .00 0 10116 16 53700 15947.43 17MAR00 53.96 .00 0 10117 16 53700 37650.30 22MAR00 127.40 .00 0 10118 ###-###-####.54 14APR00 450.56 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 182 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10119 ###-###-####.76 15MAR00 2.54 .00 0 10120 ###-###-####.30 07MAR00 2.49 .00 0 10121 16 53700 64 28569.60 05JAN00 67.25 .00 0 10122 16 53700 20407.39 15JUL99 48.04 .00 0 10124 ###-###-####.41 20MAR00 5.50 .00 0 10125 ###-###-####.03 04APR00 3.47 .00 0 10126 16 53700 98809.76 04APR00 232.60 .00 0 10128 16 53700 162721.93 28APR00 402.17 .00 0 10129 16 53700 21112.67 22MAR00 49.70 .00 0 10130 16 53700 19518.88 27APR00 42.60 .00 0 10131 16 53700 73199.30 03APR00 172.31 .00 0 10133 16 53700 68492.18 17APR00 165.94 .00 0 10134 16 53700 66596.96 01OCT99 156.77 .00 0 10135 16 53700 34472.07 21APR00 86.08 .00 0 10136 16 53700 11439.84 13APR00 25.08 .00 0 10138 ###-###-####.38 17APR00 10.51 .00 0 10139 16 53700 31386.38 28FEB00 73.88 .00 0 10140 16 53700 35028.63 26APR00 46.50 .00 0 10141 16 53700 104104.06 23JUL99 137.85 .00 0 10142 16 53700 104104.06 23JUL99 137.85 .00 0 10143 16 53700 47642.81 26APR00 66.13 .00 0 10144 ###-###-####.75 19APR00 1.50 .00 0 10145 ###-###-####.22 10MAR00 2.68 .00 0 10146 16 53700 16543.09 06APR00 21.90 .00 0 10147 ###-###-####.05 14FEB00 7.16 .00 0 10148 16 53700 123540.48 19APR00 163.58 .00 0 10149 16 53700 63502.52 18APR00 84.08 .00 0 10150 16 53700 14767.04 02MAR00 19.55 .00 0 10151 ###-###-####.71 31MAR00 1.34 .00 0 10152 ###-###-####.26 18JAN00 1.93 .00 0 10153 16 53700 40829.97 26APR00 55.18 .00 0 10154 16 53700 34662.37 03DEC99 45.90 .00 0 10155 ###-###-####.89 31MAR00 12.52 .00 0 10157 ###-###-####.88 18APR00 7.48 .00 0 10160 16 53700 41397.39 28APR00 12.18 .00 0 10161 16 53700 45616.01 05OCT99 13.42 .00 0 10162 16 00000 29.62 04APR00 .00 .00 0 10163 16 53700 23730.80 17NOV99 6.98 .00 0 10164 16 53700 50594.31 13MAR00 14.89 .00 0 10165 ###-###-####.26 07APR00 2.24 .00 0 10166 16 53700 118371.81 20DEC99 34.83 .00 0 10167 16 53700 52029.15 02AUG99 15.31 .00 0 10168 ###-###-####.48 02AUG99 1.84 .00 0 10169 ###-###-####.33 28APR00 1.68 .00 0 10170 ###-###-####.05 26APR00 .96 .00 0 10171 11 27200 64 535.54 28APR00 .08 .00 0 10172 16 53700 73471.58 06APR00 21.62 .00 0 10173 15 00000 1178.30 16MAR00 .00 .00 0 10174 ###-###-####.62 05APR00 .19 .00 0 10175 16 53700 50781.38 13APR00 14.94 .00 0 10177 16 53700 21172.97 21APR00 6.23 .00 0 10178 16 53700 26246.54 20MAR00 7.72 .00 0 10179 16 53700 94615.96 01DEC99 27.84 .00 0 10180 16 53700 13928.35 24DEC99 .00 .00 0 10181 ###-###-####.47 26AUG99 .00 .00 0 10182 16 53700 35978.77 19APR00 .00 .00 0 10183 ###-###-####.42 03AUG99 .00 .00 0 10184 16 53700 19689.36 28FEB00 .00 .00 0 10185 16 53700 44511.40 28APR00 .00 .00 0 10186 16 53700 60524.21 04AUG99 .00 .00 0 10187 ###-###-####.92 05APR00 .00 .00 0 10188 16 53700 785.92 17APR00 .00 .00 0 10190 16 53700 25817.97 10MAR00 .00 .00 0 10191 ###-###-####.55 15FEB00 .00 .00 0 10192 ###-###-####.42 05AUG99 .00 .00 0 10193 ###-###-####.01 23SEP99 .00 .00 0 10194 16 53700 15398.97 26APR00 .00 .00 0 10196 16 53700 14738.51 25FEB00 .00 .00 0 10197 ###-###-####.37 06DEC99 .00 .00 0 10198 16 53700 62389.33 09AUG99 .00 .00 0 10199 16 53700 10385.86 18AUG99 .00 .00 0 10201 16 53700 22063.67 20AUG99 74.66 .00 0 10202 ###-###-####.23 26APR00 4.21 .00 0 10203 16 53700 43005.96 14OCT99 145.53 .00 0 10204 ###-###-####.16 10APR00 7.40 .00 0 10209 16 53700 44973.38 13MAR00 152.18 .00 0 10210 16 53700 54112.78 21APR00 228.97 .00 0 10211 16 53700 58808.59 27APR00 263.68 .00 0 10212 ###-###-####.73 03MAR00 20.69 .00 0 10213 16 53700 68587.66 26APR00 245.07 .00 0 10214 ###-###-####.21 13AUG99 23.24 .00 0 10215 16 53700 65322.67 16MAR00 221.04 .00 0 10216 16 53700 77677.98 13AUG99 262.85 .00 0 10217 16 53700 784.83 16FEB00 2.66 .00 0 10218 15 00000 13.14 06DEC99 .00 .00 0 10219 16 53700 19288.40 07APR00 65.27 .00 0 10221 16 53700 95260.30 19JAN00 224.24 .00 0 10222 ###-###-####.69 05APR00 7.16 .00 0 10224 16 53700 131000.54 27APR00 317.20 .00 0 10225 16 53700 43401.36 28SEP99 102.17 .00 0 10226 ###-###-####.12 13MAR00 5.67 .00 0 10227 16 53700 46406.43 04OCT99 109.24 .00 0 10228 ###-###-####.19 17AUG99 5.61 .00 0 10229 16 53700 18898.26 30MAR00 44.49 .00 0 10230 ###-###-####.58 28APR00 3.84 .00 0 10231 ###-###-####.37 31MAR00 9.45 .00 0 10232 16 53700 15297.35 14APR00 36.01 .00 0 10233 16 53700 37889.24 28APR00 90.61 .00 0 10235 16 53700 296.21 30MAR00 .70 .00 0 10236 16 53700 50927.93 10DEC99 119.88 .00 0 10237 16 53700 26713.28 14MAR00 62.88 .00 0 10238 16 53700 23000.00 20APR00 54.46 .00 0 10239 16 53700 99449.98 24APR00 238.21 .00 0 10240 16 53700 388.26 23NOV99 .51 .00 0 10241 16 53700 92265.63 08OCT99 122.17 .00 0 10242 16 53700 19468.93 28APR00 27.25 .00 0 10243 16 53700 15021.08 18JAN00 19.89 .00 0 10244 16 00000 73.46 13APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 183 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10245 ###-###-####.80 26APR00 12.21 .00 0 10246 ###-###-####.83 28APR00 12.11 .00 0 10247 16 53700 112.68 24JAN00 .15 .00 0 10248 ###-###-####.85 28APR00 1.69 .00 0 10249 16 53700 93000.00 24APR00 123.15 .00 0 10250 11 27200 279.80 24APR00 .18 .00 0 10252 ###-###-####.30 20AUG99 11.70 .00 0 10253 ###-###-####.30 20AUG99 11.70 .00 0 10254 ###-###-####.30 20AUG99 11.70 .00 0 10255 16 53700 18941.76 15MAR00 25.08 .00 0 10256 16 53700 27628.29 23AUG99 36.58 .00 0 10257 16 53700 97413.52 23AUG99 128.99 .00 0 10258 16 53700 168.99 20MAR00 .22 .00 0 10259 16 53700 103631.40 23AUG99 137.22 .00 0 10261 16 53700 35163.89 13APR00 10.35 .00 0 10262 16 53700 10220.75 13MAR00 3.01 .00 0 10263 16 53700 ` 14402.33 26APR00 4.24 .00 0 10264 16 53700 124436.89 03SEP99 36.62 .00 0 10265 14 00000 1.53 21APR00 .00 .00 0 10266 16 53700 20602.95 10JAN00 6.06 .00 0 10267 16 53700 93289.23 26AUG99 27.45 .00 0 10268 ###-###-####.54 24APR00 .18 .00 0 10269 15 00000 176.08 28JAN00 .00 .00 0 10270 16 53700 348426.41 24APR00 102.52 .00 0 10271 ###-###-####.44 19NOV99 1.85 .00 0 10272 ###-###-####.87 28APR00 .76 .00 0 10274 16 53700 471098.27 01FEB00 138.62 .00 0 10275 16 53700 16480.87 03FEB00 4.85 .00 0 10276 16 53700 12414.05 29APR00 3.65 .00 0 10277 16 53700 91106.49 11APR00 26.81 .00 0 10278 ###-###-####.83 30MAR00 .49 .00 0 10279 16 53700 408.20 27SEP99 .12 .00 0 10280 16 53700 103642.22 25OCT99 .00 .00 0 10282 16 53700 36195.94 26APR00 .00 .00 0 10283 16 53700 149901.20 03MAR00 .00 .00 0 10284 16 53700 10119.14 29FEB00 .00 .00 0 10286 16 53700 965.26 28JAN00 .00 .00 0 10287 16 53700 63859.30 15SEP99 .00 .00 0 10288 ###-###-####.60 28APR00 .00 .00 0 10289 16 53700 180.02 03FEB00 .00 .00 0 10290 16 53700 33771.54 22MAR00 .00 .00 0 10291 16 53700 89 11967.62 18APR00 .00 .00 0 10293 16 53700 10361.64 02SEP99 .00 .00 0 10294 ###-###-####.17 26APR00 .00 .00 0 10295 ###-###-####.63 18APR00 .00 .00 0 10296 ###-###-####.01 20APR00 .00 .00 0 10297 ###-###-####.65 02SEP99 .00 .00 0 10298 ###-###-####.88 22FEB00 .00 .00 0 10299 16 53700 39709.17 18FEB00 .00 .00 0 10300 10 00000 4.00 15APR00 .01 .00 0 10301 16 53700 20650.35 03SEP99 69.88 .00 0 10302 15 00000 4669.94 18APR00 .00 .00 0 10303 16 53700 13864.74 13APR00 47.04 .00 0 10304 ###-###-####.06 24MAR00 6.83 .00 0 10305 ###-###-####.16 22DEC99 10.40 .00 0 10306 16 53700 84609.91 21MAR00 286.31 .00 0 10307 16 53700 51595.55 07SEP99 174.59 .00 0 10308 16 53700 18128.07 19APR00 62.96 .00 0 10309 ###-###-####.97 27APR00 17.33 .00 0 10310 ###-###-####.96 28APR00 11.76 .00 0 10311 ###-###-####.81 07APR00 7.08 .00 0 10312 16 53700 282.11 02MAR00 .95 .00 0 10313 ###-###-####.03 28APR00 33.66 .00 0 10314 16 53700 49527.50 02MAR00 167.59 .00 0 10315 16 53700 43557.21 09SEP99 147.39 .00 0 10316 ###-###-####.02 26APR00 16.54 .00 0 10317 ###-###-####.99 23MAR00 5.69 .00 0 10319 ###-###-####.91 07APR00 17.44 .00 0 10320 16 53700 25071.67 04OCT99 59.02 .00 0 10321 10 29600 89 7035.01 17APR00 10.56 .00 0 10322 16 53700 53613.42 20MAR00 126.20 .00 0 10323 16 53700 25880.85 10APR00 60.92 .00 0 10324 10 29600 101.64 28SEP99 .13 .00 0 10325 16 53700 46285.20 29FEB00 108.95 .00 0 10326 ###-###-####.68 23MAR00 5.71 .00 0 10327 16 53700 40368.81 14SEP99 95.03 .00 0 10328 ###-###-####.17 27APR00 5.06 .00 0 10329 16 53700 10547.61 15MAR00 24.83 .00 0 10330 ###-###-####.61 15SEP99 17.21 .00 0 10331 16 53700 27154.45 26APR00 63.49 .00 0 10332 14 00000 9.80 10DEC99 .00 .00 0 10333 16 53700 27435.36 28APR00 56.00 .00 0 10334 ###-###-####.45 25APR00 5.51 .00 0 10335 16 53700 10314.59 17SEP99 24.28 .00 0 10336 15 00000 36932.00 28APR00 .00 .00 0 10337 ###-###-####.92 21JAN00 6.64 .00 0 10338 ###-###-####.88 28APR00 1.84 .00 0 10339 ###-###-####.08 20SEP99 9.97 .00 0 10340 ###-###-####.24 24APR00 2.97 .00 0 10341 ###-###-####.47 21APR00 9.23 .00 0 10342 16 53700 22279.24 22MAR00 29.50 .00 0 10343 16 53700 71386.12 27APR00 105.27 .00 0 10344 ###-###-####.93 03NOV99 5.17 .00 0 10345 11 27200 254.00 22SEP99 .17 .00 0 10346 ###-###-####.98 05APR00 5.31 .00 0 10347 16 53700 101349.78 24SEP99 134.20 .00 0 10348 16 53700 20111.33 28APR00 26.28 .00 0 10349 ###-###-####.36 27SEP99 6.76 .00 0 10350 ###-###-####.93 26APR00 3.17 .00 0 10351 16 00000 29.81 17MAR00 .00 .00 0 10352 16 53700 139475.36 19APR00 184.68 .00 0 10354 ###-###-####.75 28APR00 7.17 .00 0 10355 16 53700 275.17 20JAN00 .36 .00 0 10356 16 53700 24973.85 19APR00 33.07 .00 0 10357 16 53700 21489.51 21APR00 28.45 .00 0 10358 16 53700 64 41981.73 20APR00 55.59 .00 0 10359 16 53700 64 68006.44 27APR00 89.30 .00 0 10360 ###-###-####.12 18FEB00 .32 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 184 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10361 ###-###-####.34 17APR00 .85 .00 0 10362 ###-###-####.87 17APR00 1.75 .00 0 10363 16 53700 10767.51 10APR00 3.17 .00 0 10364 16 53700 24146.15 28APR00 7.10 .00 0 10365 ###-###-####.74 24APR00 .24 .00 0 10367 16 53700 51 97887.85 08OCT99 28.80 .00 0 10368 16 53700 58281.82 08OCT99 17.15 .00 0 10369 16 53700 61863.69 08FEB00 18.20 .00 0 10370 16 53700 99491.02 28APR00 29.27 .00 0 10371 ###-###-####.83 20APR00 1.71 .00 0 10372 ###-###-####.11 28APR00 .91 .00 0 10373 16 53700 61747.85 13DEC99 18.17 .00 0 10374 16 53700 43706.63 02DEC99 12.86 .00 0 10375 16 53700 56671.93 08OCT99 16.68 .00 0 10376 16 53700 25015.37 23DEC99 7.36 .00 0 10377 ###-###-####.55 25APR00 2.82 .00 0 10378 ###-###-####.49 29DEC99 .32 .00 0 10379 ###-###-####.10 10APR00 1.42 .00 0 10380 ###-###-####.48 04FEB00 .00 .00 0 10381 ###-###-####.03 28APR00 .00 .00 0 10382 16 53700 99767.53 14OCT99 .00 .00 0 10383 16 53700 27127.21 07MAR00 .00 .00 0 10384 16 53700 23352.63 29DEC99 .00 .00 0 10385 16 53700 428.40 17APR00 .00 .00 0 10386 16 53700 387.64 07APR00 .00 .00 0 10387 ###-###-####.45 09MAR00 .00 .00 0 10388 16 53700 40348.19 20DEC99 .00 .00 0 10389 14 00000 373.63 26APR00 .00 .00 0 10390 ###-###-####.07 05APR00 .00 .00 0 10391 14 00000 100.00 18OCT99 .00 .00 0 10392 15 00000 40.00 03APR00 .00 .00 0 10393 16 53700 12090.58 28APR00 .00 .00 0 10394 16 53700 10354.14 17FEB00 .00 .00 0 10395 16 53700 43648.07 19APR00 .00 .00 0 10396 16 53700 10321.00 27OCT99 .00 .00 0 10397 ###-###-####.88 31JAN00 .00 .00 0 10398 14 00000 16.42 25APR00 .00 .00 0 10399 16 53700 197.18 21APR00 .00 .00 0 10400 16 53700 21415.20 28MAR00 28.36 .00 0 10401 16 53700 100402.77 26OCT99 339.75 .00 0 10402 16 53700 907.38 09MAR00 3.07 .00 0 10403 ###-###-####.96 21APR00 27.04 .00 0 10405 19 39300 123.07 24APR00 2.27 .00 0 10406 16 53700 20487.35 27OCT99 69.33 .00 0 10407 16 53700 61453.01 28OCT99 207.95 .00 0 10408 16 53700 62620.65 10APR00 211.76 .00 0 10409 10 00000 38.53 28FEB00 .00 .00 0 10410 16 53700 13873.14 14APR00 18.37 .00 0 10411 15 00000 3017.78 14APR00 .00 .00 0 10412 16 53700 21045.15 13APR00 71.51 .00 0 10413 16 53700 26204.54 01NOV99 88.67 .00 0 10414 11 27200 174.97 12NOV99 20.37 .00 0 10415 ###-###-####.18 18APR00 3.45 .00 0 10416 16 53700 11824.58 17APR00 41.79 .00 0 10417 16 53700 14408.51 10APR00 46.00 .00 0 10418 ###-###-####.81 04NOV99 17.31 .00 0 10419 18 29600 628.53 10MAR00 1.17 .00 0 10420 16 53700 14225.98 28APR00 33.11 .00 0 10421 ###-###-####.12 05NOV99 13.47 .00 0 10422 16 53700 11795.61 15NOV99 27.77 .00 0 10423 16 53700 54000.95 21MAR00 127.12 .00 0 10424 ###-###-####.22 03APR00 5.21 .00 0 10425 ###-###-####.49 05NOV99 18.60 .00 0 10426 16 53700 22316.93 02FEB00 52.53 .00 0 10427 16 53700 97229.14 09NOV99 228.87 .00 0 10428 ###-###-####.19 09NOV99 3.61 .00 0 10429 16 53700 74340.44 20APR00 125.32 .00 0 10430 16 53700 69242.64 10NOV99 163.00 .00 0 10431 16 53700 10152.65 24FEB00 23.90 .00 0 10432 ###-###-####.07 12NOV99 14.45 .00 0 10433 16 53700 57537.54 15NOV99 135.44 .00 0 10434 16 53700 51399.59 15NOV99 120.99 .00 0 10435 16 53700 45249.17 22MAR00 106.52 .00 0 10436 16 53700 11016.87 24APR00 37.59 .00 0 10437 16 53700 32047.25 23MAR00 75.44 .00 0 10438 16 53700 167803.85 24MAR00 395.01 .00 0 10440 16 53700 113034.74 27APR00 67.28 .00 0 10441 ###-###-####.23 27APR00 6.44 .00 0 10442 16 53700 89 29156.01 19NOV99 38.61 .00 0 10443 ###-###-####.35 07APR00 2.96 .00 0 10444 ###-###-####.34 13APR00 12.39 .00 0 10445 16 53700 89 10127.84 19NOV99 13.41 .00 0 10446 16 53700 40902.52 22NOV99 54.16 .00 0 10447 ###-###-####.08 12APR00 11.00 .00 0 10448 16 53700 44595.10 22NOV99 59.05 .00 0 10449 16 53700 30498.68 29FEB00 40.38 .00 0 10450 16 53700 14203.66 20APR00 18.81 .00 0 10451 ###-###-####.67 09DEC99 2.53 .00 0 10452 16 53700 87449.40 21MAR00 115.79 .00 0 10453 ###-###-####.35 26NOV99 1.62 .00 0 10455 ###-###-####.52 15MAR00 1.34 .00 0 10456 16 53700 73782.46 10FEB00 97.70 .00 0 10458 ###-###-####.63 30NOV99 4.60 .00 0 10459 ###-###-####.52 18APR00 3.70 .00 0 10460 14 00000 500.00 30NOV99 .00 .00 0 10461 ###-###-####.14 01DEC99 1.00 .00 0 10462 ###-###-####.41 17APR00 .82 .00 0 10463 ###-###-####.00 21APR00 1.23 .00 0 10464 19 39300 56.64 21APR00 .01 .00 0 10465 16 53700 102106.41 09DEC99 30.04 .00 0 10466 16 53700 12383.21 20APR00 3.64 .00 0 10468 ###-###-####.74 13DEC99 1.67 .00 0 10469 ###-###-####.04 13DEC99 1.00 .00 0 10470 16 53700 24483.96 15DEC99 7.20 .00 0 10471 15 00000 2197.93 27APR00 .00 .00 0 10472 ###-###-####.94 28APR00 .25 .00 0 10473 ###-###-####.53 28APR00 .26 .00 0 10474 ###-###-####.02 27APR00 1.59 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 185 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10475 ###-###-####.16 05APR00 .45 .00 0 10476 11 27200 753.66 05APR00 .11 .00 0 10477 ###-###-####.21 11JAN00 1.65 .00 0 10478 16 53700 104.72 01FEB00 .03 .00 0 10479 ###-###-####.09 28FEB00 .42 .00 0 10481 ###-###-####.39 28APR00 8.14 .00 0 10482 ###-###-####.39 10APR00 1.84 .00 0 10483 ###-###-####.36 20JAN00 1.12 .00 0 10484 16 53700 101807.08 31DEC99 .00 .00 0 10485 ###-###-####.56 30MAR00 .00 .00 0 10486 ###-###-####.14 04JAN00 .00 .00 0 10487 ###-###-####.17 04JAN00 .00 .00 0 10488 16 53700 31366.92 27APR00 .00 .00 0 10489 ###-###-####.58 26APR00 .00 .00 0 10491 ###-###-####.58 14FEB00 .00 .00 0 10492 ###-###-####.21 07JAN00 .00 .00 0 10493 ###-###-####.65 06MAR00 .00 .00 0 10495 19 39300 768.17 26APR00 .00 .00 0 10496 ###-###-####.90 11JAN00 .00 .00 0 10497 16 53700 158393.19 25FEB00 .00 .00 0 10498 16 53700 40651.25 12JAN00 .00 .00 0 10499 19 39300 911.49 24APR00 .00 .00 0 10500 ###-###-####.21 27APR00 3.20 .00 0 10501 ###-###-####.26 28APR00 8.65 .00 0 10502 19 39300 395.26 27APR00 1.53 .00 0 10503 ###-###-####.41 07APR00 14.43 .00 0 10504 ###-###-####.92 28APR00 23.19 .00 0 10505 19 39300 11.91 01APR00 .03 .00 0 10506 ###-###-####.45 14JAN00 27.41 .00 0 10507 19 39300 100.87 18JAN00 .25 .00 0 10508 19 39300 100.87 18JAN00 .25 .00 0 10509 ###-###-####.28 21MAR00 10.14 .00 0 10510 19 39300 870.11 29APR00 3.22 .00 0 10511 19 39300 956.53 18APR00 2.45 .00 0 10512 ###-###-####.85 21JAN00 33.31 .00 0 10513 ###-###-####.97 28APR00 .90 .00 0 10514 19 39300 668.32 27APR00 5.43 .00 0 10515 16 53700 13921.64 18APR00 43.03 .00 0 10516 ###-###-####.73 25APR00 23.71 .00 0 10517 ###-###-####.55 26APR00 19.83 .00 0 10518 16 53700 .00 24APR00 .50 .00 0 10519 ###-###-####.61 25APR00 11.01 .00 0 10520 16 53700 37283.47 14APR00 87.76 .00 0 10521 16 53700 68275.38 24MAR00 160.72 .00 0 10522 19 39300 102.97 27MAR00 .18 .00 0 10523 19 39300 64 10940.37 27APR00 19.51 .00 0 10524 19 39300 273.61 24APR00 .64 .00 0 10525 16 53700 442.42 05APR00 1.04 .00 0 10526 ###-###-####.85 17APR00 3.69 .00 0 10527 16 53700 64 11155.84 25APR00 27.98 .00 0 10528 ###-###-####.45 28APR00 3.97 .00 0 10529 ###-###-####.99 26APR00 3.06 .00 0 10530 16 53700 19646.30 29FEB00 46.25 .00 0 10531 ###-###-####.00 14FEB00 2.38 .00 0 10532 19 39300 100.57 15FEB00 .25 .00 0 10533 ###-###-####.08 15FEB00 14.25 .00 0 10534 19 39300 727.10 30MAR00 1.25 .00 0 10535 ###-###-####.77 27MAR00 22.32 .00 0 10536 19 39300 477.61 10APR00 .82 .00 0 10537 16 53700 17556.22 10APR00 60.17 .00 0 10538 16 53700 10016.13 25APR00 23.33 .00 0 10539 19 39300 2.79 17APR00 .05 .00 0 10541 16 53700 252.47 17APR00 .33 .00 0 10542 19 39300 100.71 16FEB00 .10 .00 0 10544 ###-###-####.47 26APR00 5.32 .00 0 10545 19 39300 151.04 18FEB00 .15 .00 0 10546 16 53700 18178.69 13APR00 24.07 .00 0 10547 19 39300 532.78 24FEB00 .52 .00 0 10548 16 53700 28243.56 23FEB00 37.40 .00 0 10549 15 00000 3278.25 20APR00 .00 .00 0 10550 ###-###-####.19 21APR00 4.33 .00 0 10551 ###-###-####.24 26APR00 1.88 .00 0 10552 ###-###-####.30 27APR00 8.80 .00 0 10553 ###-###-####.54 21MAR00 1.26 .00 0 10554 ###-###-####.03 02MAR00 2.67 .00 0 10555 19 39300 598.09 26APR00 .65 .00 0 10556 19 39300 385.11 14APR00 .37 .00 0 10557 19 39300 15.44 24APR00 .02 .00 0 10558 19 39300 822.84 27APR00 .90 .00 0 10559 ###-###-####.59 24APR00 5.21 .00 0 10560 ###-###-####.51 12APR00 .35 .00 0 10561 16 53700 40 40318.36 06MAR00 11.86 .00 0 10562 16 53700 13512.16 28APR00 3.98 .00 0 10563 16 53700 32141.80 06MAR00 9.46 .00 0 10564 19 39300 226.77 28APR00 .05 .00 0 10565 16 53700 32048.39 07MAR00 9.43 .00 0 10566 ###-###-####.27 29APR00 .66 .00 0 10567 19 39300 60 2137.10 12APR00 .46 .00 0 10568 19 39300 5.03 08MAR00 .00 .00 0 10569 16 53700 90676.39 09MAR00 26.68 .00 0 10570 16 53700 13923.56 17APR00 4.10 .00 0 10571 16 53700 81973.31 17MAR00 24.12 .00 0 10572 16 53700 99068.96 17MAR00 29.15 .00 0 10573 16 53700 81816.33 17MAR00 24.07 .00 0 10574 19 39300 100.51 13MAR00 .02 .00 0 10575 ###-###-####.34 14APR00 .48 .00 0 10576 16 53700 26366.25 10APR00 7.76 .00 0 10577 19 39300 402.40 28APR00 .09 .00 0 10578 ###-###-####.42 26APR00 .22 .00 0 10579 16 53700 31282.16 20APR00 9.20 .00 0 10580 ###-###-####.58 06APR00 .00 .00 0 10581 19 00000 .00 17MAR00 .00 .00 0 10582 19 39300 100.48 17MAR00 .00 .00 0 10583 16 53700 156688.57 17MAR00 .00 .00 0 10584 ###-###-####.12 20MAR00 .00 .00 0 10585 19 39300 588.03 18APR00 .00 .00 0 10586 19 39300 301.33 21MAR00 .00 .00 0 10587 16 53700 23119.57 21APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 186 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 10588 19 39300 100.46 06APR00 .00 .00 0 10589 19 39300 271.86 24APR00 .00 .00 0 10590 ###-###-####.45 31MAR00 .00 .00 0 10591 19 39300 100.42 24MAR00 .00 .00 0 10592 19 39300 89.21 04APR00 .00 .00 0 10593 ###-###-####.16 27MAR00 .00 .00 0 10594 19 39300 225.56 17APR00 .00 .00 0 10595 16 53700 35617.39 19APR00 .00 .00 0 10596 19 39300 89 501.78 29MAR00 .00 .00 0 10597 19 39300 88 2006.68 31MAR00 .00 .00 0 10598 19 39300 88 1002.91 04APR00 .00 .00 0 10599 19 39300 88 945.70 29APR00 .00 .00 0 10600 16 53700 88 447.56 29APR00 87.18 .00 0 10601 16 53700 88 19766.43 28APR00 47.65 .00 0 10602 19 39300 88 100.03 05APR00 .25 .00 0 10603 16 53700 88 5521.77 27APR00 14.44 .00 0 10604 16 53700 88 1000.44 05APR00 3.39 .00 0 10605 19 39300 88 1000.22 06APR00 2.48 .00 0 10606 19 39300 88 100.02 06APR00 .25 .00 0 10607 19 39300 88 18850.63 28APR00 39.73 .00 0 10608 16 53700 88 8438.03 20APR00 28.38 .00 0 10609 16 53700 88 2000.29 07APR00 6.77 .00 0 10610 19 39300 88 64.01 28APR00 .24 .00 0 10611 19 39300 88 1330.20 19APR00 5.66 .00 0 10612 19 39300 88 49.87 28APR00 .29 .00 0 10613 19 39300 88 306.00 24APR00 3.54 .00 0 10614 16 53700 88 25000.00 10APR00 77.24 .00 0 10615 16 53700 88 14000.00 11APR00 41.19 .00 0 10616 16 53700 204989.78 18APR00 433.26 .00 0 10617 16 53700 19400.33 26APR00 48.31 .00 0 10618 16 53700 60 200000.00 13APR00 529.64 .00 0 10619 16 53700 88 22752.97 13APR00 89.69 .00 0 10620 19 39300 88 988.45 25APR00 1.72 .00 0 10621 19 39300 430.75 25APR00 .81 .00 0 10622 19 39300 88 3988.66 25APR00 6.88 .00 0 10623 16 53700 88 3000.44 14APR00 7.06 .00 0 10624 19 39300 88 88.24 25APR00 .16 .00 0 10625 16 53700 88 5000.00 17APR00 10.30 .00 0 10626 16 53700 88 143891.96 25APR00 296.39 .00 0 10627 19 39300 88 16482.27 25APR00 17.70 .00 0 10628 19 39300 88 100.00 17APR00 .15 .00 0 10629 ###-###-####.00 18APR00 1.91 .00 0 10630 16 53700 88 2500.00 18APR00 4.78 .00 0 10631 19 39300 88 120.12 19APR00 .16 .00 0 10632 16 53700 88 100000.00 20APR00 161.84 .00 0 10633 19 39300 88 988.23 20APR00 1.18 .00 0 10634 19 39300 88 100.00 21APR00 .11 .00 0 10635 19 39300 88 1000.00 21APR00 1.08 .00 0 10636 19 39300 88 100.00 24APR00 .08 .00 0 10637 16 53700 60 10000.00 24APR00 10.30 .00 0 10638 16 53700 88 5575.00 28APR00 4.67 .00 0 10639 19 39300 88 1000.00 25APR00 .65 .00 0 10640 16 53700 88 1000.00 26APR00 .74 .00 0 10641 19 39300 88 976.50 27APR00 .42 .00 0 10642 19 39300 88 100.00 27APR00 .04 .00 0 10643 16 53700 88 7000.00 28APR00 3.09 .00 0 10644 16 53700 53000.00 28APR00 23.39 .00 0 400047 15 00000 13753.37 27APR00 .00 .00 0 400101 15 00000 451.87 19NOV99 .00 .00 0 400128 15 00000 40 2000.00 26APR00 .00 .00 0 400136 15 00000 40 119601.69 28APR00 .00 .00 0 400144 15 00000 40 10000.00 10JUN98 .00 .00 0 400152 15 00000 1201.53 26APR00 .00 .00 0 400195 15 00000 12500.46 21SEP99 .00 .00 0 400217 15 00000 6224.31 22FEB00 .00 .00 0 400241 15 00000 13685.32 28APR00 .00 .00 0 500025 16 00000 85.65 17FEB99 .00 .00 0 500041 16 53700 31695.91 24APR00 .00 .00 0 500092 16 53700 40 123499.31 13APR00 .00 .00 0 500106 ###-###-####.06 21APR00 .00 .00 0 900018 19 39300 3.23 25APR00 .00 .00 0 900034 11 27200 504.45 27APR00 .00 .00 0 900069 11 27200 35.29 20APR00 .00 .00 0 900131 11 27200 7.55 28APR00 .00 .00 0 900158 11 27200 17465.07 27APR00 .00 .00 0 900204 ###-###-####.20 10APR00 .00 .00 0 900212 11 27200 993.10 28APR00 .00 .00 0 900255 11 27200 637.18 27APR00 .00 .00 0 900263 ###-###-####.13 26APR00 .00 .00 0 900298 ###-###-####.95 27APR00 .00 .00 0 900328 11 27200 51.70 29MAY98 .00 .00 0 900336 11 27200 12161.63 27APR00 .00 .00 0 900344 11 27200 93384.49 28APR00 .00 .00 0 900379 ###-###-####.57 14APR00 .00 .00 0 900417 19 39300 13767.49 21APR00 .00 .00 0 900425 11 27200 15385.07 28APR00 .00 .00 0 900468 ###-###-####.25 31MAR00 .00 .00 0 900476 11 27200 498.61 25APR00 .00 .00 0 900484 ###-###-####.71 29APR00 .00 .00 0 900492 11 27200 745.35 29APR00 .00 .00 0 900522 ###-###-####.44 28APR00 .00 .00 0 900549 11 27200 17751.95 12APR00 .00 .00 0 900557 ###-###-####.39 25APR00 .00 .00 0 900581 11 27200 89 3218.23 17APR00 .00 .00 0 900603 ###-###-####.62 26APR00 .00 .00 0 900611 ###-###-####.84 28APR00 .00 .00 0 900638 ###-###-####.40 17APR00 .00 .00 0 900646 ###-###-####.74 28APR00 .00 .00 0 900654 11 27200 996.70 06APR00 .00 .00 0 900662 11 27200 11053.09 28APR00 .00 .00 0 900697 ###-###-####.72 27APR00 .00 .00 0 900719 ###-###-####.47 27APR00 .00 .00 0 900778 ###-###-####.86 28APR00 .00 .00 0 900786 ###-###-####.11 28APR00 .00 .00 0 900808 ###-###-####.11 28APR00 .00 .00 0 900816 11 27200 11353.93 28APR00 .00 .00 0 900832 ###-###-####.70 19APR00 .00 .00 0 900859 ###-###-####.44 28APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 187 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 900875 11 27200 116.90 26APR00 .00 .00 0 900891 11 27200 32906.15 28APR00 .00 .00 0 900905 11 27200 2.54 19APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 26 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 188 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 23 00000 38 .01 17MAY99 .00 .00 0 2 25 00000 38 .01 17MAY99 .00 .00 0 3 28 00000 38 .01 17MAY99 .00 .00 0 30001 21 00000 135.80 29APR00 .00 .00 0 30002 21 00000 64 683.49 24APR00 .00 .00 0 600031 21 00000 1.96-28APR00 .00 .00 0 600066 21 00000 131.90 29APR00 .00 .00 0 600074 21 00000 477.10 28APR00 .00 .00 0 600112 21 00000 9316.44 28APR00 .00 .00 0 600139 21 00000 1612.61 28APR00 .00 .00 0 600171 21 00000 1232.72 25APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 36 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 189 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 2 35 00000 38 .01 17MAY99 .00 .00 0 3 31 00000 38 .01 18MAY99 .00 .00 0 19 38 60600 13903.51 25NOV97 71.56 .00 0 25 38 60600 55141.54 26NOV97 283.81 .00 0 36 38 60600 6028.05 28NOV97 31.03 .00 0 50 38 60600 86767.38 04DEC97 446.58 .00 0 57 36 59200 13827.22 08DEC97 69.52 .00 0 58 38 60600 13873.58 08DEC97 71.41 .00 0 62 38 61600 38 115831.08 11DEC97 606.00 .00 0 70 38 60600 15358.65 15DEC97 79.05 .00 0 73 38 60600 2309.20 16DEC97 11.89 .00 0 77 38 60600 1154.38 17DEC97 5.94 .00 0 78 38 60600 51 23088.10 17DEC97 118.83 .00 0 82 38 60600 27136.56 18DEC97 139.67 .00 0 84 38 60600 2885.56 18DEC97 14.85 .00 0 93 38 60600 2306.89 22DEC97 11.87 .00 0 95 38 60600 12523.57 22DEC97 64.46 .00 0 96 38 60600 38 26752.89 13DEC99 1 137.69 .00 0 97 38 60600 38 26843.27 13DEC99 1 138.16 .00 0 98 38 60600 34597.66 23DEC97 178.07 .00 0 100 38 60600 99451.81 24DEC97 511.86 .00 0 101 38 59700 46010.17 26DEC97 233.29 .00 0 102 38 59200 11489.08 26DEC97 57.77 .00 0 109 38 58300 26050.39 01DEC99 128.99 .00 0 111 38 58300 108491.86 27JAN98 537.20 .00 0 115 38 60600 2306.90 24FEB98 11.87 .00 0 148 38 59200 11231.13 15MAY98 56.47 .00 0 171 38 58300 13410.73 04JUN98 66.40 .00 0 181 38 56900 11121.56 18JUN98 53.75 .00 0 183 38 58300 52924.33 01JUL98 262.06 .00 0 296 38 58300 16653.99 15JUL98 82.46 .00 0 362 38 58300 22103.96 22JUL98 109.45 .00 0 379 34 52100 77205.37 21SEP98 341.63 .00 0 383 34 49700 97277.40 07OCT98 410.62 .00 0 388 ###-###-####.01 26OCT98 9.40 .00 0 20148 92 53700 .00 25JUN99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 46 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 190 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 41 00000 38 .01 17MAY99 .00 .00 0 2 42 00000 38 .01 17MAY99 .00 .00 0 3 44 00000 38 .01 17MAY99 .00 .00 0 4 45 00000 38 .01 17MAY99 .00 .00 0 5 46 00000 38 .01 17MAY99 .00 .00 0 6 47 00000 38 .01 17MAY99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 56 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 191 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 55 00000 38 .01 17MAY99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 76 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 192 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 71 39300 38 .01 17MAY99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 86 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 193 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 82 39300 38 .01 17MAY99 .00 .00 0 2 83 39300 38 .01 17MAY99 .00 .00 0 3 84 40700 38 .01 17MAY99 .00 .00 0 4 85 40700 38 .01 17MAY99 .00 .00 0 5 86 40700 38 .01 17MAY99 .00 .00 0 6 87 41700 38 .01 17MAY99 .00 .00 0 7 88 41700 38 .01 17MAY99 .00 .00 0 8 89 41700 38 .01 17MAY99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 96 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 194 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 1 90 43100 38 .01 17MAY99 .00 .00 0 2 91 43100 38 .01 17MAY99 .00 .00 0 3 99 00000 38 .01 17MAY99 .00 .00 0 20101 93 53500 49 97870.90 03FEB99 444.71 .00 0 20102 93 47900 49 21222.53 03FEB99 86.34 .00 0 20105 92 60700 49 3359.23 31JAN00 17.32 .00 0 20106 92 62600 49 20758.00 22FEB00 110.36 .00 0 20112 92 47900 49 1114.72 19APR99 4.53 .00 0 20119 92 64400 49 7673.93 23APR99 41.97 .00 0 20121 92 47900 49 5568.39 03MAY99 22.65 .00 0 20125 92 51400 49 31530.15 13MAY99 137.64 .00 0 20126 92 51400 49 52505.95 19MAY99 229.21 .00 0 20127 92 51400 49 16385.37 20MAY99 71.53 .00 0 20128 92 51400 49 16385.37 20MAY99 71.53 .00 0 20130 92 51400 10492.33 25MAY99 45.80 .00 0 20131 92 51400 49 12585.49 28MAY99 54.94 .00 0 20134 92 51400 49 13566.60 02JUN99 59.22 .00 0 20135 92 51400 49 15709.77 07JUN99 68.58 .00 0 20136 92 47900 49 1639.33 07JUN99 6.67 .00 0 20138 92 51400 49 44589.12 14JUN99 194.65 .00 0 20139 92 51400 49 10461.41 15JUN99 45.67 .00 0 20140 92 53700 49 104809.74 16JUN99 478.02 .00 0 20141 92 51400 49 89026.97 17JUN99 388.65 .00 0 20144 92 53700 49 3346.58 25JUN99 15.26 .00 0 20145 92 53700 49 1114.85 25JUN99 5.08 .00 0 20146 92 53700 49 78087.19 25JUN99 356.14 .00 0 20147 92 53700 49 43784.61 25JUN99 199.69 .00 0 20148 92 53700 49 11157.10 25JUN99 50.89 .00 0 20149 92 53700 49 10462.51 28JUN99 47.72 .00 0 20150 92 53700 49 31279.68 02DEC99 142.66 .00 0 20151 92 53700 49 33440.41 28JUN99 152.52 .00 0 20153 92 53700 49 52312.55 28JUN99 238.59 .00 0 20154 92 53700 49 11146.79 28JUN99 50.84 .00 0 20155 92 53700 49 2229.61 28JUN99 10.17 .00 0 20156 92 53700 49 2092.51 28JUN99 9.54 .00 0 20158 92 53700 49 10508.64 02SEP99 47.93 .00 0 20159 92 53700 49 33409.51 01JUL99 152.37 .00 0 20160 92 53700 49 22273.02 01JUL99 101.58 .00 0 20162 92 53700 49 41825.47 02JUL99 190.76 .00 0 20163 92 53700 49 5228.18 02JUL99 23.84 .00 0 20164 92 53700 49 15684.55 02JUL99 71.53 .00 0 20165 92 53700 49 26140.89 02JUL99 119.22 .00 0 20166 92 53700 49 62692.24 07JUL99 285.93 .00 0 20169 92 53700 49 13187.47 08JUL99 60.15 .00 0 20170 92 56100 49 10388.97 12JUL99 49.50 .00 0 20171 92 56100 49 10459.55 13JUL99 49.84 .00 0 20172 92 56100 49 24112.70 01DEC99 114.89 .00 0 20173 92 56100 49 2091.60 14JUL99 9.97 .00 0 20176 92 56100 49 22139.26 15JUL99 105.49 .00 0 20177 92 56100 49 15684.54 15JUL99 74.73 .00 0 20178 92 56100 49 104563.53 15JUL99 498.21 .00 0 20179 92 56100 49 72000.00 15JUL99 1 343.06 .00 0 20180 92 56100 49 91699.85 13DEC99 436.92 .00 0 20182 92 56100 49 3136.42 16JUL99 14.94 .00 0 20183 92 56100 49 47726.89 16JUL99 227.40 .00 0 20184 92 56100 49 7106.18 19JUL99 33.86 .00 0 20185 93 56100 49 4501.85 19JUL99 21.45 .00 0 20187 92 56100 49 9541.39 19JUL99 45.46 .00 0 20188 92 56100 49 102539.34 20JUL99 488.56 .00 0 20189 92 56100 49 5328.64 20JUL99 25.39 .00 0 20190 92 56100 49 10448.33 20JUL99 49.78 .00 0 20191 92 56100 49 52233.68 21JUL99 248.88 .00 0 20192 92 56100 49 10446.75 21JUL99 49.78 .00 0 20193 92 56100 49 14625.44 21JUL99 69.69 .00 0 20194 92 56100 49 11052.24 22JUL99 52.66 .00 0 20195 92 56100 49 26112.82 22JUL99 124.42 .00 0 20196 92 56100 49 6789.33 22JUL99 32.35 .00 0 20197 92 56100 49 24347.30 22JUL99 116.01 .00 0 20198 92 56100 49 18491.14 22JUL99 88.10 .00 0 20199 92 56100 49 20890.27 22JUL99 99.53 .00 0 20200 92 56100 49 12094.01 22JUL99 57.62 .00 0 20202 92 56100 49 72485.75 22JUL99 345.37 .00 0 20203 92 56100 49 26108.80 23JUL99 124.40 .00 0 20204 92 56100 49 15665.29 23JUL99 74.64 .00 0 20205 92 56100 49 5221.78 23JUL99 24.88 .00 0 20206 92 56100 49 1044.34 23JUL99 4.98 .00 0 20207 92 56100 49 8176.81 26JUL99 38.96 .00 0 20208 92 56100 49 5218.55 27JUL99 24.86 .00 0 20209 92 56100 49 5218.55 27JUL99 24.86 .00 0 20211 92 56100 49 16284.69 28JUL99 77.59 .00 0 20212 92 56100 49 26084.78 29JUL99 124.29 .00 0 20213 92 56100 49 26084.78 29JUL99 124.29 .00 0 20214 92 56100 49 8062.37 30JUL99 38.41 .00 0 20217 92 56100 49 4291.02 03AUG99 20.45 .00 0 20218 92 56100 49 2084.85 04AUG99 9.93 .00 0 20219 92 56100 49 52113.59 05AUG99 248.30 .00 0 20220 92 56100 49 39022.68 05AUG99 185.93 .00 0 20221 92 56100 49 5211.36 05AUG99 24.83 .00 0 20222 92 56100 49 6253.63 05AUG99 29.80 .00 0 20223 92 56100 49 2084.54 05AUG99 9.93 .00 0 20224 92 56100 49 3107.72 06AUG99 14.81 .00 0 20225 92 56100 49 4998.50 06AUG99 23.82 .00 0 20226 92 56100 49 93790.13 06AUG99 446.88 .00 0 20227 92 56100 49 26052.80 06AUG99 124.13 .00 0 20228 92 56100 49 22191.31 09AUG99 105.73 .00 0 20229 92 56100 49 11093.91 09AUG99 52.86 .00 0 20230 92 56100 49 16640.83 09AUG99 79.29 .00 0 20231 92 56100 49 3105.56 09AUG99 14.80 .00 0 20232 92 56100 49 3105.56 09AUG99 14.80 .00 0 20233 92 56100 49 3105.56 09AUG99 14.80 .00 0 20234 92 56100 49 3105.56 09AUG99 14.80 .00 0 20235 92 56100 49 3105.56 09AUG99 14.80 .00 0 20236 92 56100 49 5546.94 09AUG99 26.43 .00 0 20237 92 56100 49 22104.56 26APR00 105.32 .00 0 20238 92 56100 49 52825.88 09AUG99 251.70 .00 0 20239 92 56100 49 23957.39 09AUG99 114.15 .00 0 20240 92 56100 49 78137.70 10AUG99 372.30 .00 0 20241 92 56100 49 10414.74 10AUG99 49.62 .00
INST 75P BRANCH 60 SEQ-TYPE 96 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 195 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20242 92 56100 49 7182.17 10AUG99 34.22 .00 0 20243 92 56100 49 22187.91 10AUG99 105.72 .00 0 20244 92 56100 49 31239.45 11AUG99 148.85 .00 0 20245 92 56100 49 93189.89 11AUG99 444.02 .00 0 20246 92 56100 49 11454.45 11AUG99 54.58 .00 0 20248 92 56100 49 2430.36 11AUG99 11.58 .00 0 20249 92 56100 49 11609.96 12AUG99 55.32 .00 0 20250 92 56100 49 27229.16 12AUG99 129.74 .00 0 20251 93 56100 49 2217.76 12AUG99 10.57 .00 0 20252 92 56100 49 98909.77 12AUG99 471.27 .00 0 20253 93 56100 33 3420.61 12AUG99 16.30 .00 0 20254 92 56100 49 45551.25 12AUG99 217.04 .00 0 20257 92 56100 49 104099.59 13AUG99 496.00 .00 0 20258 92 56100 49 11088.84 13AUG99 52.83 .00 0 20259 92 56100 49 5204.97 13AUG99 24.80 .00 0 20260 92 56100 49 99799.72 13AUG99 475.51 .00 0 20261 92 56100 49 26024.91 13AUG99 124.00 .00 0 20262 92 56100 49 29684.71 16AUG99 141.44 .00 0 20263 92 56100 49 44334.96 16AUG99 211.24 .00 0 20264 92 56100 49 11089.04 16AUG99 52.84 .00 0 20265 92 56100 49 1773.96 16AUG99 8.45 .00 0 20266 92 56100 49 5543.62 16AUG99 26.41 .00 0 20267 92 56100 49 11087.30 16AUG99 52.83 .00 0 20268 92 56100 49 5543.62 16AUG99 26.41 .00 0 20269 92 56100 49 15608.08 18AUG99 74.37 .00 0 20270 92 56100 49 22174.58 16AUG99 105.65 .00 0 20271 92 56100 49 1663.11 16AUG99 7.92 .00 0 20272 92 56100 49 11087.30 16AUG99 52.83 .00 0 20273 92 56100 49 77835.55 16AUG99 370.86 .00 0 20274 92 56100 49 10405.17 16AUG99 49.58 .00 0 20275 92 56100 49 8915.05 16AUG99 42.48 .00 0 20276 92 56100 49 66513.11 16AUG99 316.91 .00 0 20277 92 56100 49 22171.03 16AUG99 105.64 .00 0 20278 92 56100 49 5542.72 16AUG99 26.41 .00 0 20279 92 56100 49 38574.29 16AUG99 183.79 .00 0 20280 92 56100 49 22167.49 16AUG99 105.62 00 0 20281 92 56100 49 2217.46 16AUG99 10.57 .00 0 20282 92 56100 49 1108.75 16AUG99 5.28 .00 0 20283 93 56100 49 100239.68 16AUG99 1 477.61 .00 0 20284 92 56100 49 110819.74 16AUG99 528.02 .00 0 20285 92 56100 49 22171.17 17AUG99 105.64 .00 0 20286 92 56100 49 14963.14 17AUG99 71.29 .00 0 20287 92 56100 49 14963.14 17AUG99 71.29 .00 0 20288 92 56100 49 10529.62 17AUG99 50.17 .00 0 20289 92 56100 49 1305.52 17AUG99 6.22 .00 0 20290 92 56100 49 11082.04 17AUG99 52.80 .00 0 20291 92 56100 49 1040.37 17AUG99 4.96 .00 0 20292 92 56100 49 11083.80 17AUG99 52.81 .00 0 20293 92 56100 49 27705.10 17AUG99 132.01 .00 0 20294 92 56100 49 27705.10 17AUG99 132.01 .00 0 20295 92 56100 49 1663.12 17AUG99 7.92 .00 0 20297 92 56100 49 22174.84 18AUG99 105.66 .00 0 20298 93 56100 49 14505.50 19AUG99 69.11 .00 0 20299 92 56100 49 20800.77 19AUG99 99.11 .00 0 20300 92 56100 49 6650.36 19AUG99 31.69 .00 0 20301 92 56100 49 10392.54 19AUG99 49.52 .00 0 20302 92 56100 49 33379.61 19AUG99 159.04 .00 0 20303 92 56100 49 33379.61 19AUG99 159.04 .00 0 20304 92 56100 49 3119.64 20AUG99 14.86 .00 0 20305 92 56100 49 33402.26 03DEC99 159.15 .00 0 20306 92 56100 49 88588.76 23AUG99 422.10 .00 0 20307 92 56100 49 40927.98 23AUG99 195.01 .00 0 20308 92 56100 49 11126.00 23AUG99 53.01 .00 0 20309 92 56100 49 11087.84 24AUG99 52.83 .00 0 20310 92 56100 49 110772.07 24AUG99 527.79 .00 0 20311 92 56100 49 5195.41 25AUG99 24.75 .00 0 20312 92 56100 49 20650.67 25AUG99 98.39 .00 0 20316 92 56100 49 1690.77 30AUG99 8.06 .00 0 20317 92 56100 49 10925.92 31AUG99 52.06 .00 0 20321 92 56100 49 10379.66 01SEP99 49.46 .00 0 20322 92 56100 49 2744.33 02SEP99 13.08 .00 0 20324 92 60200 49 92111.80 09SEP99 470.96 .00 0 20325 92 60200 49 60420.18 09SEP99 308.92 .00 0 20326 92 60200 49 4157.69 09SEP99 21.26 .00 0 20327 92 60200 49 43594.37 09SEP99 222.89 .00 0 20328 92 60200 49 10392.52 10SEP99 53.14 .00 0 20329 92 60200 49 17700.30 10SEP99 90.50 .00 0 20330 92 60200 49 20064.17 10SEP99 102.59 .00 0 20331 92 60200 49 1095.22 10SEP99 5.60 .00 0 20332 92 60200 49 9353.25 10SEP99 47.82 .00 0 20333 92 60200 49 25981.26 10SEP99 132.84 .00 0 20334 92 60200 49 51936.92 13SEP99 265.55 .00 0 20336 92 60200 49 43627.01 13SEP99 223.06 .00 0 20337 92 60200 49 10387.38 13SEP99 53.11 .00 0 20338 92 60200 49 94402.46 13SEP99 482.67 .00 0 20339 92 60200 49 10387.38 13SEP99 53.11 .00 0 20340 92 60200 49 25968.46 13SEP99 132.77 .00 0 20341 92 60200 49 29663.05 13SEP99 151.66 .00 0 20342 92 60200 49 29663.04 13SEP99 151.66 .00 0 20343 92 60200 49 29663.04 13SEP99 151.66 .00 0 20344 92 60200 49 51936.92 13SEP99 265.55 .00 0 20345 92 60200 49 346482.23 13SEP99 1771.52 .00 0 20346 92 60200 49 21576.72 14SEP99 110.32 .00 0 20347 92 60200 49 95486.22 14APR00 488.21 .00 0 20348 92 60200 49 5464.37 15SEP99 27.94 .00 0 20349 92 60200 49 1038.40 15SEP99 5.31 .00 0 20350 92 60200 49 1069.55 15SEP99 5.47 .00 0 20351 92 60200 49 39370.89 15SEP99 201.30 .00 0 20352 92 60200 49 5465.89 15SEP99 27.95 .00 0 20353 92 60200 49 1583.30 16SEP99 8.10 .00 0 20355 92 60200 49 31141.65 17SEP99 159.22 .00 0 20356 92 60200 49 31141.65 17SEP99 159.22 .00 0 20357 92 60200 49 31141.65 17SEP99 159.22 .00 0 20358 92 60200 49 89490.03 17SEP99 457.55 .00 0 20359 92 60200 49 25951.38 17SEP99 132.69 .00 0 20360 92 60200 49 15570.83 17SEP99 79.61 .00 0 20361 92 60200 49 103912.33 17SEP99 531.29 .00 0 20362 92 60200 49 5190.26 17SEP99 26.54 .00
INST 75P BRANCH 60 SEQ-TYPE 96 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 196 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20363 92 60200 49 10380.55 17SEP99 53.07 .00 0 20364 92 60200 49 3114.16 17SEP99 15.92 .00 0 20365 92 60200 49 5190.26 17SEP99 26.54 .00 0 20366 92 60200 49 103805.52 17SEP99 530.74 .00 0 20367 92 60200 49 98566.56 20SEP99 503.96 .00 0 20368 92 60200 49 72627.99 20SEP99 371.34 .00 0 20369 92 60200 49 62252.57 20SEP99 318.29 .00 0 20370 92 60200 49 25938.58 20SEP99 132.62 .00 0 20371 92 60200 49 8300.34 20SEP99 42.44 .00 0 20372 92 60200 49 5187.71 20SEP99 26.52 .00 0 20373 92 60200 49 15563.13 20SEP99 79.57 .00 0 20374 92 60200 49 103754.27 20SEP99 530.48 .00 0 20375 92 60200 49 41792.09 21SEP99 213.68 .00 0 20376 92 60200 49 17635.32 21SEP99 90.17 .00 0 20377 92 60200 49 17635.32 21SEP99 90.17 .00 0 20378 92 60200 49 20747.45 21SEP99 106.08 .00 0 20379 92 60200 49 3630.81 21SEP99 18.56 .00 0 20380 92 60200 49 62242.32 21SEP99 318.24 .00 0 20382 92 60200 49 12446.42 22SEP99 63.64 .00 0 20383 92 60200 49 10372.01 22SEP99 53.03 .00 0 20384 92 60200 49 1990.60 22SEP99 10.18 .00 0 20385 92 60200 49 1037.04 23SEP99 5.30 .00 0 20386 92 60200 49 100000.00 23SEP99 1 511.29 .00 0 20387 92 60200 49 82962.42 23SEP99 424.18 .00 0 20388 92 60200 49 90994.30 23SEP99 465.24 .00 0 20389 92 60200 49 3132.29 23SEP99 16.02 .00 0 20390 92 60200 49 13997.61 24SEP99 71.57 .00 0 20391 92 60200 49 1555.30 24SEP99 7.95 .00 0 20392 92 60200 49 15552.90 24SEP99 79.52 .00 0 20393 92 60200 49 10368.59 24SEP99 53.01 .00 0 20394 92 60200 49 80000.00 24SEP99 1 409.03 .00 0 20395 92 60200 49 93271.23 27SEP99 476.88 .00 0 20396 92 60200 49 93271.23 27SEP99 476.88 .00 0 20397 92 60200 49 1036.35 27SEP99 5.30 .00 0 20398 92 60200 49 10373.73 27SEP99 53.04 .00 0 20399 92 60200 49 5181.73 27SEP99 26.49 .00 0 20400 92 60200 49 25908.68 27SEP99 132.47 .00 0 20401 92 60200 49 25566.81 27SEP99 130.72 .00 0 20403 92 60200 49 1036.35 27SEP99 5.30 .00 0 20404 92 60200 49 1036.35 27SEP99 5.30 .00 0 20405 92 60200 49 51808.82 28SEP99 264.89 .00 0 20406 92 60200 49 37615.04 28SEP99 192.32 .00 0 20407 92 60200 49 10361.76 28SEP99 52.98 .00 0 20409 92 60200 49 2072.15 28SEP99 10.59 .00 0 20410 92 60200 49 3108.53 28SEP99 15.89 .00 0 20411 92 60200 49 10361.76 28SEP99 52.98 .00 0 20412 92 60200 49 2072.35 28SEP99 10.60 .00 0 20413 92 60200 49 31085.28 28SEP99 158.94 .00 0 20414 92 60200 49 10360.06 29SEP99 52.97 .00 0 20415 92 60200 49 10463.66 29SEP99 53.50 .00 0 20416 92 60200 49 1139.60 29SEP99 5.83 .00 0 20417 92 60200 49 10360.06 29SEP99 52.97 .00 0 20418 92 60200 49 1864.81 29SEP99 9.53 .00 0 20419 92 60200 49 7250.84 30SEP99 37.07 .00 0 20420 92 60200 49 7250.84 30SEP99 37.07 .00 0 20421 92 60200 49 25895.85 30SEP99 132.40 .00 0 20422 92 60200 49 82866.77 30SEP99 423.69 .00 0 20423 92 60200 49 10358.35 30SEP99 52.96 .00 0 20424 92 60200 49 61074.66 30SEP99 312.27 .00 0 20425 92 58400 49 2876.61 01OCT99 14.27 .00 0 20426 92 56100 49 1690.26 01OCT99 8.05 .00 0 20427 92 60200 49 10356.63 01OCT99 52.95 .00 0 20428 92 60200 49 77674.78 01OCT99 397.14 .00 0 20429 92 58400 49 27933.70 01OCT99 138.55 .00 0 20430 92 58400 49 13449.56 01OCT99 66.71 .00 0 20431 92 60200 49 10348.14 06OCT99 52.91 .00 0 20432 92 58400 49 41297.88 06OCT99 204.84 .00 0 20433 92 58400 49 51679.68 07OCT99 256.33 .00 0 20434 92 58400 49 54736.80 12OCT99 271.49 .00 0 20435 92 58400 49 42434.41 13OCT99 210.47 .00 0 20436 92 58400 49 5163.01 13OCT99 25.61 .00 0 20437 92 58400 49 103394.60 14OCT99 512.84 .00 0 20438 92 58400 49 5161.39 15OCT99 25.60 .00 0 20439 92 58400 49 5158.90 18OCT99 25.59 .00 0 20440 92 58400 49 3095.34 18OCT99 15.35 .00 0 20441 92 58400 49 10316.16 19OCT99 51.17 .00 0 20442 92 58400 49 3094.85 19OCT99 15.35 .00 0 20443 92 58400 49 7549.18 22OCT99 37.44 .00 0 20444 92 58400 49 2062.91 20OCT99 10.23 .00 0 20445 92 58400 49 11317.47 21OCT99 56.13 .00 0 20446 92 58400 49 20000.00 27OCT99 1 99.20 .00 0 20447 92 58400 49 20000.00 27OCT99 1 99.20 .00 0 20448 92 58400 49 20000.00 27OCT99 1 99.20 .00 0 20449 92 58400 49 20000.00 01NOV99 1 99.20 .00 0 20450 92 58400 49 102947.55 01NOV99 510.62 .00 0 20451 92 58400 49 3087.93 02NOV99 15.32 .00 0 20452 92 58400 49 15437.21 03NOV99 76.57 .00 0 20453 92 58400 49 15434.75 04NOV99 76.56 .00 0 20456 92 58400 49 5138.37 12NOV99 25.49 .00 0 20457 92 58400 49 5135.90 15NOV99 25.47 .00 0 20458 92 58400 49 32346.60 18NOV99 160.44 .00 0 20460 92 58400 49 6489.63 18NOV99 32.19 .00 0 20461 92 58400 49 22766.50 22NOV99 112.92 .00 0 20462 92 58400 49 6318.66 22NOV99 31.34 .00 0 20463 92 58400 49 11376.73 24NOV99 56.43 .00 0 20464 92 58400 49 102570.53 24NOV99 508.75 .00 0 20465 92 58400 49 22753.48 24NOV99 112.86 .00 0 20466 92 58400 49 4292.15 26NOV99 21.29 .00 0 20467 92 58400 49 36913.59 26NOV99 183.09 .00 0 20468 92 58400 49 50000.00 29NOV99 1 248.00 .00 0 20469 92 58400 49 45717.69 29NOV99 226.76 .00 0 20470 92 58400 49 11363.62 30NOV99 56.36 .00 0 20471 92 58400 49 28072.36 01DEC99 139.24 .00 0 20472 92 58400 49 11531.96 01DEC99 57.20 .00 0 20473 92 58400 49 56869.65 01DEC99 282.07 .00 0 20474 92 58400 49 112361.73 03DEC99 557.31 .00 0 20475 92 58400 49 14339.24 03DEC99 71.12 .00 0 20476 92 58400 49 43264.83 03DEC99 214.59 .00
INST 75P BRANCH 60 SEQ-TYPE 96 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 197 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 20477 92 58400 49 109001.43 06DEC99 540.65 .00 0 20479 92 58400 49 34048.56 09DEC99 168.88 .00 0 20480 92 58400 49 3069.75 09DEC99 15.23 .00 0 20481 92 58400 49 2045.20 13DEC99 10.14 .00 0 20482 92 58400 49 7667.06 15DEC99 38.03 .00 0 20483 92 58400 49 6517.65 16DEC99 32.33 .00 0 20484 92 58400 49 39862.33 16DEC99 197.72 .00 0 20485 92 58400 49 2042.39 21DEC99 10.13 .00 0 20486 92 58400 49 4085.18 21DEC99 20.26 .00 0 20487 92 58400 49 11438.88 22DEC99 56.74 .00 0 20488 92 58400 49 67984.05 28DEC99 337.20 .00 0 20489 92 58400 49 111022.72 29DEC99 550.67 .00 0 20490 92 58400 49 10199.90 29DEC99 50.59 .00 0 20491 92 58400 49 2039.33 31DEC99 10.12 .00 0 20492 92 58400 49 5095.07 04JAN00 25.27 .00 0 20493 92 58400 49 101885.16 05JAN00 505.35 .00 0 20495 92 58400 49 60773.56 10JAN00 301.44 .00 0 20496 92 58400 49 47730.08 11JAN00 236.74 .00 0 20497 92 58400 49 45553.87 11JAN00 225.95 .00 0 20499 92 58400 54549.37 14JAN00 270.56 .00 0 20500 92 60300 49 36620.20 18JAN00 187.55 .00 0 20501 92 60300 49 34101.99 18JAN00 174.65 .00 0 20502 92 58400 49 50837.08 18JAN00 252.15 .00 0 20504 92 60700 49 2144.84 24JAN00 11.06 .00 0 20510 92 60700 49 8120.33 01FEB00 41.86 .00 0 20511 92 60700 49 91486.78 03FEB00 471.65 .00 0 20512 92 60700 49 5073.53 03FEB00 26.16 .00 0 20513 92 60700 49 3041.10 09FEB00 15.68 .00 0 20514 92 63100 49 7099.69 09FEB00 38.05 .00 0 20515 92 63100 49 7099.69 09FEB00 38.05 .00 0 20516 92 63100 49 7099.69 09FEB00 38.05 .00 0 20517 92 60700 49 3391.08 10FEB00 17.48 .00 0 20518 92 60700 49 20270.60 10FEB00 104.50 .00 0 20519 ###-###-####.44 15FEB00 26.93 .00 0 20520 92 62700 49 75970.22 16FEB00 404.56 .00 0 20522 92 60600 90943.98 28FEB00 468.07 .00 0 20523 92 60600 90943.98 28FEB00 468.07 .00 0 20525 92 65300 20211.66 03MAR00 112.09 .00 0 20526 92 65300 49 1010.58 03MAR00 5.60 .00 0 20527 92 65300 49 15000.00 08MAR00 1 83.19 .00 0 20528 92 65300 49 20000.00 08MAR00 1 110.92 .00 0 20529 92 65300 49 20000.00 08MAR00 1 110.92 .00 0 20530 92 65300 49 20000.00 08MAR00 1 110.92 .00 0 20531 92 62500 49 1008.93 10MAR00 5.36 .00 0 20532 92 65800 49 10428.06 10MAR00 58.28 .00 0 20533 92 62500 49 4245.42 13MAR00 22.54 .00 0 20534 93 65800 49 21410.39 05APR00 119.65 .00 0 20535 93 65800 49 30227.50 20MAR00 168.93 .00 0 20536 93 65800 49 30227.50 20MAR00 168.93 .00 0 20537 93 65800 49 25185.05 21MAR00 140.75 .00 0 20538 93 65800 49 20144.41 22MAR00 112.58 .00 0 20539 93 65800 49 10862.57 22MAR00 60.71 .00 0 20540 93 65800 49 20140.79 23MAR00 112.56 .00 0 20541 93 65800 49 100631.45 27MAR00 562.38 .00 0 20542 92 62500 49 3017.47 28MAR00 16.02 .00 0 20543 93 65800 49 14083.33 29MAR00 78.70 .00 0 20544 92 62500 49 2010.96 30MAR00 10.67 .00 0 20545 93 65800 49 20115.41 30MAR00 112.41 .00 0 20546 93 65800 49 26076.08 24APR00 145.73 .00 0 20547 92 66300 49 50281.60 31MAR00 283.13 .00 0 20548 92 64400 49 5023.82 04APR00 27.48 .00 0 20549 93 67700 49 25125.20 04APR00 144.47 .00 0 20552 92 66300 88 20090.82 06APR00 113.13 .00 0 20553 93 65800 49 25000.00 07APR00 1 139.71 .00 0 20554 92 66300 49 25108.99 07APR00 141.39 .00 0 20555 92 66300 49 25108.99 07APR00 141.39 .00 0 20556 92 64400 49 2007.41 10APR00 10.98 .00 0 20558 93 67700 49 108198.12 11APR00 622.12 .00 0 20559 92 66300 88 2006.54 13APR00 11.30 .00 0 20560 92 66300 88 2006.54 13APR00 11.30 .00 0 20561 93 65800 49 13694.29 13APR00 76.53 .00 0 20562 92 64400 49 10031.76 13APR00 54.87 .00 0 20563 92 64400 49 10031.76 13APR00 54.87 .00 0 20564 93 67700 49 10033.39 13APR00 57.69 .00 0 20565 92 66300 49 45138.96 14APR00 254.18 .00 0 20566 92 66300 49 100254.30 17APR00 564.53 .00 0 20567 92 64400 49 3006.88 18APR00 16.45 .00 0 20568 92 66300 49 93478.67 25APR00 526.37 .00 0 20569 93 67700 49 50046.37 26APR00 287.76 .00 0 20570 92 66300 49 120108.99 26APR00 676.33 .00 0 20571 92 66300 49 5004.54 26APR00 28.18 .00 0 20572 92 64400 49 7785.79 28APR00 42.59 .00 0 20573 92 64400 49 3001.59 28APR00 16.42 .00 0 20574 93 67700 49 10532.43 28APR00 60.56 .00 BRANCH T0TALS NBR ACCTS 1,211 CURRENT BALANCE 28,085,335.42 ANTIC INTEREST 82,956.84
INST 75P BRANCH 91 SEQ-TYPE 2 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 198 T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC 0 9797 02 48900 29 .00 24FEB93 .00 .00
AVERAGE LIFE NEW YORK 04/30/00
# ACCTS AMOUNT # DAYS ------- ---------- Type 00 1 6,747 Passbook 30 Type 01 0 0 MM Passbook 30 Type 02 25 13,022 Kids Club 30 Type 03 62 469,632 Stamford/NY Stmt Savings 30 Type 09 0 0 Stamford/Three Check a Month 30 Type 10 6 8,652 Diamond Checking 30 Type 11 58 326,214 Efficiency Checking 30 Type 12 0 0 Super Checking 30 Type 13 0 0 Mission Viejo Checking 30 Type 14 8 1,142 Senior Checking 30 Type 15 20 234,816 Business Checking 30 Type 16 459 14,301,782 Three Check a Month 30 Type 17 1 0 Home Equity LOC Checking 30 Type 18 7 12,292 Millennium Checking 30 Type 19 91 150,060 Express Checking 30 Type 20 0 0 Escondido Liquid MMA 30 Type 21 8 13,588 MM Three Check a Month 30 ------- ---------- Total Transaction Accounts 746 15,537,946 55.32% Total Term Accounts 465 12,547,389 44.68% ------- ---------- TOTAL 1,211 28,085,335 ======= ========== Average Rate Sensitivity (days) 99.499615 Average Rate Sensitivity (months) 3.3 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- Jan 413,033 108,492 26,050 Feb 471,099 20,115 Mar 70,933 153,889 Apr 807,093 May 145,453 28,285 Jun 574,085 67,836 11,122 66,335 Jul 1,151,353 46,341 50,046 38,758 Aug 2,180,487 142,555 Sep 3,124,628 165,181 Oct 686,751 78,901 97,871 Nov 556,328 38,836 Dec 979,029 4,085 242,419 --------- --------- --------- --------- --------- --------- --------- --------- --------- --------- 9,398,114 2,334,177 586,084 229,014 0 0 0 0 0 0
AVERAGE LIFE STAMFORD 4/30/00
# ACCTS AMOUNT # DAYS ------- ---------- Type 00 12 45,946 Passbook 30 Type 01 8 351,654 MM Passbook 30 Type 02 13 7,499 Kids Club 30 Type 03 167 1,785,559 Stamford/NY Stmt Savings 30 Type 09 8 163,364 Stamford/Three Check a Month 30 Type 10 6 19,225 Diamond Checking 30 Type 11 149 634,814 Efficiency Checking 30 Type 12 0 0 Super Checking 30 Type 13 0 0 Mission Viejo Checking 30 Type 14 2 2,155 Senior Checking 30 Type 15 38 622,771 Business Checking 30 Type 16 352 10,174,179 Three Check a Month 30 Type 17 2 0 Home Equity LOC Checking 30 Type 18 7 69,456 Millennium Checking 30 Type 19 103 290,204 Express Checking 30 Type 20 0 0 Escondido Liquid MMA 30 Type 21 0 0 MM Three Check a Month 30 ------- ---------- Total Transaction Accounts 867 14,166,826 19.78% Total Term Accounts 2,018 57,455,531 80.22% ------- ---------- TOTAL 2,885 71,622,357 ======= ========== Average Rate Sensitivity (days) 197.043981 Average Rate Sensitivity (months) 6.6 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 ---------- ---------- --------- --------- --------- --------- --------- --------- --------- --------- Jan 3,263,315 690,901 Feb 5,182,185 483,232 Mar 1,950,854 120,012 16,297 Apr 5,888,794 703,840 393,994 May 3,254,641 707,370 31,146 96,976 Jun 5,382,289 760,915 12,049 214,358 Jul 6,656,243 535,366 152,347 27,506 Aug 6,663,318 350,437 4,345 59,307 Sep 1,491,756 1,296,229 252,007 12,081 Oct 1,903,403 562,196 Nov 3,656,663 881,618 Dec 2,934,417 691,587 171,536 ---------- ---------- --------- --------- --------- --------- --------- --------- --------- --------- 31,942,730 22,070,866 2,621,415 820,519 0 0 0 0 0 0
EXHIBIT B-1 SUMMARY 32 EXHIBIT C CONTRACTUAL OBLIGATIONS AND COPIES OF RELATED DOCUMENTS There are two (2) service contracts in place both relating to the Stamford branch. o The ATM maintenance agreement with Diebold expires December 31, 2000 o The phone system maintenance agreement with Claircom expires September 15, 2000. 33 ================================================================================ [LOGO] claricom(TM) Service, Quality & Commitment ---------------- Complete Customer Care Package ================================================================================ ================================================================================ Although some companies are just beginning to define the word "service", Claricom, Inc. has built more than 50 years of our business on that word. Our definition includes phrases like 24 hours a day, quick response and free service consultation. The best thing about how we define the word service is that unlike the dictionary (and some telecommunications companies we know of) we have just one definition that satisfies us: responding to the needs of our customers in the most efficient manner possible to quickly provide the solutions to our customers needs. So the next time your telecommunications systems needs service, remember to call Claricom, Inc. and find out the true meaning of the word. Leading the industry in consistent customer satisfaction, Claricom, Inc., has made customer support the primary areas of this business. As our customer, we know that you have invested in Claricom Inc. products because productivity and efficiency are important to your business. With that in mind, we design and manufacture systems to be as trouble free as possible. However, we also know that when you need service, you expect courteous, prompt and helpful assistance -- at your convenience -- and, with Claricom Inc., you can count on it. ================================================================================ [LOGO] claricom(TM) MAINTENANCE PROGRAM TERMS AND CONDITIONS PARTIES AND APPLICABILITY These Terms and Conditions apply to the Maintenance Program provided by Claricom, Inc. ("Company") to the party named as addressee in the accompanying Maintenance Program invoice ("Customer"). By payment of the invoice, Customer agrees to these Terms and Conditions, which shall not be amended or supplemented and shall supersede all others unless otherwise mutually agreed in writing. THE PRODUCT The selected Maintenance Program pertains to the equipment and software (the "Product") specified and installed at the address indicated in the accompanying enclosed invoice (the "Authorized Location"). The Maintenance Fee is calculated based on the number of working ports (defined as working extensions, with or without accompanying phones, plus working lines), plus any and all peripheral equipment. Customer agrees to ensure that the Authorized Location maintains a room temperature ranging between 30(degree) F and 80(degree) F, relative humidity not exceeding 80% noncondensing, and a three-foot minimum clearance in front of the equipment. Company also advises Customer to provide a dedicated power source of 117 volts A.C. 20 amp circuit with a ground and a good earth ground for the Product. If the Authorized Location fails to meet these specifications, or if the Product is moved from the indicated locations without the written consent of the Company, subject to the terms and conditions as may be established by the Company, then the Company shall have the right to terminate the Maintenance Program without any liability to the Customer. TYPES OF PROGRAMS AND COVERAGES FULL SYSTEM COVERAGE - -------------------------------------------------------------------------------- TOTAL PROTECTION PROGRAM Regular Service Parts and Labor coverage is provided within 24 hours, 24 hours per day, 7 days a week, including Federal holidays. Includes line conditioner, CO line protector and power conditioning. As long as the Total Protection Program is in effect, we cover the system against lightning strikes and power surges and spikes. One annual preventive maintenance checkup and remote clears, 7 days a week, 24 hours a day, are also included. Major Outage Service Major Outage coverage is provided within 3 hours, 24 hours per day, 7 days a week, including Federal holidays. ADVANCED MAINTENANCE PROGRAM Regular Service Parts and Labor coverage is provided within 24 hours, only during normal working hours (8:00 AM to 5:00 PM, Monday through Friday, local time) excluding Federal holidays. One annual preventive maintenance checkup and remote clears, 7 days a week, 24 hours a day, are also included. Major Outage Service Major Outage coverage is provided within 3 hours, 24 hours per day, 7 days a week, excluding Federal holidays. BASIC MAINTENANCE PROGRAM Regular Service Parts and Labor coverage is provided within 24 hours, only during normal working hours (8:00 AM to 5:00 PM, Monday through Friday, local time), excluding Federal holidays. Remote clears during normal working hours (8:00 AM to 5:00 PM Monday through Friday, local time) included. Major Outage Service Major Outage coverage is provided within 3 hours only during normal working hours (8:00 AM to 5:00 PM, Monday through Friday, local time), excluding Federal holidays. PARTS ONLY COVERAGE - -------------------------------------------------------------------------------- MATERIALS ONLY PROGRAM The Materials Only Program covers only the equipment, parts and non-Lease Cost Routing software installed by the Company for the Customer. The Materials Only Fee is calculated based on the number of installed working ports (defined as working extensions, with or without accompanying phones, plus working lines), plus any and all peripheral equipment (the "Product"). Labor performed by the Company and its subcontractors will be billed at the rate charged by the Company for similar work performed at similar times in the same general location. Regular Service The Regular Service hours are normal working hours (8:00 AM to 5:00 PM, Monday through Friday, local time), excluding Federal holidays. Major Outage Service Major Outage coverage is provided within 3 hours only during normal working hours (8:00 AM to 5:00 PM, Monday through Friday, local time) excluding Federal holidays. CONDITIONS FOR MAJOR OUTAGE SERVICE - -------------------------------------------------------------------------------- Major Outage Service will be provided when one of the following conditions exist: o The central or any attached processor cannot place, receive or retrieve calls. o The main attendant console cannot place or receive calls o A minimum of 20% of all data and telephone ports cannot receive or place calls. o A minimum of 20% of all trunks are inoperative o The loss of an ACD group, line or recorder. MAINTENANCE FEE/PAYMENT Upon payment in full of this invoice as evidenced by Customer's canceled check, Company will provide to Customer full and exclusive maintenance of the Product, under the terms and conditions of the Maintenance Program described above and selected by Customer, for the period noted on the front of the accompanying invoice (the "Term"). No later than the Effective Date of the Maintenance Agreement or any renewal thereof, Customer shall tender in cash or wire transfer, to Company the total Maintenance Fee indicated on the invoice. In the event Customer fails to make timely payment of the entire Maintenance Fee or Company is unable to collect the funds tendered by Customer; then Company may terminate the Maintenance Program, or, in its sole discretion, suspend performance until payment is received. Company may also suspend performance under the Maintenance Program if Customer is in default of payment under any other agreement with Company, until such payment default is cured. RESPONSIBILITIES OF COMPANY Company shall perform all maintenance service and repair and furnish all labor, materials and replacement parts necessary to keep the Product in satisfactory working condition as described in the manufacturer's specifications and Related Documentation for such Product based on the Software Release and Equipment configuration purchased by Customer from Company; provided, however, that unless the coverage selected by Customer specifically provides otherwise, or as provided in the Responsibilities of Customer Section hereof, Company will maintain the Product in accordance with the following standards: (i) only manufacturer's parts or equivalent, either new or refurbished, of equal or better quality will be used; (ii) the manufacturer's routine preventive maintenance will be followed if elected coverage provides for such preventive maintenance; and (iii) all maintenance will be performed by authorized qualified personnel. Company is responsible for maintenance of the Product only on the subscriber side of the interface equipment connecting the Product to Customer's telephone or other utility. Customer agrees that it shall not be entitled to set off any amounts due to Company under the Maintenance Program against any obligations owed to it by Company hereunder or under any other agreement. Coverage Limits. The maintenance services provided by Company hereunder excludes (i) replacement of any equipment that by its nature has a limited life-cycle (i.e. batteries, headsets or similar equipment types); (ii) upgrades to the Product that add functions or features to the Product; (iii) upgrades to support mime and date related data; and (iv) requested time and date changes. RESPONSIBILITIES OF CUSTOMER Customer shall be responsible for the cost of repairs to the Product necessitated as a result of, and Company shall have no liability attributable to: (i) negligence of non-Company personnel, misuse, vandalism, fire, lightning, power surges, water or other peril, or acts of God; and (ii) repairs, maintenance, modifications, additions, relocation or alteration of the Product performed by anyone other than Company representatives and subcontractors, failure of Customer to comply with requirements specified herein or to perform recommended preventive maintenance, or services of products of other vendors, including any telephone company. Customer shall be responsible for providing an Authorized Location that shall not contain any hazardous substances, including without limitation, (i) oil, petroleum or other hydrocarbon derivatives or products; (ii) hazardous wastes; (iii) hazardous or toxic substances or chemicals; (iv) fungicides, rodenticides or insecticides; (v) asbestos; or (vi) urea formaldehyde and any other substance defined as a Hazardous Substance by any applicable state, federal or local laws, rules or regulations. Customer will indemnify, defend and hold Company harmless against any claim, liability, fee, fine, penalty or damage arising from or related to the presence of Hazardous Substances at the Authorized Location. Company shall be permitted to suspend performance without penalty if its performance could have an adverse impact on its employees or contractors' health or safety, or would constitute a violation of any applicable law, rule or regulation, until it receives adequate assurances from Customer satisfactory to Company. DELAY Company shall not be liable for any delay of performance under the Maintenance Program, or any damages suffered by Customer as a result of such delay, when such delay is directly or indirectly caused by or results from any act of God or other intervening external cause, accident, governmental laws or regulations, labor disputes, civil disorder, transportation delays, or any other cause beyond the reasonable control of Company. LIMITATION OF LIABILITY Company's sole obligation under the Maintenance Program is to maintain the Product in good working order in accordance with the terms and conditions set forth herein and included in the Manufacturer's specifications and Related Documentation. NO OTHER WARRANTIES, EXPRESS OR IMPLIED, ARE MADE. NO EXPRESS OR IMPLIED WARRANTY IS MADE AGAINST FRAUDULENT USES THAT MAY BE MADE OF THE PRODUCT. CUSTOMER AGREES THAT COMPANY SHALL HAVE NO LIABILITY FOR DAMAGES, INCLUDING BUT NOT LIMITED TO INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES FOR FAILURE OF THE PRODUCT TO OPERATE IN GOOD WORKING ORDER FOLLOWING PERFORMANCE OF MAINTENANCE BY COMPANY. IN THE EVENT OF SUCH OCCURRENCE, CUSTOMER'S SOLE REMEDY WILL BE THE PROVISION OF ADDITIONAL SERVICE BY COMPANY IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE SELECTED MAINTENANCE PROGRAM. UNLESS CUSTOMER HAS PURCHASED A YEAR 2000 UPGRADE FROM COMPANY, SERVICES RELATING TO YEAR 2000 COMPLIANCE OR FUNCTIONALITY ARE SPECIFICALLY EXCLUDED FROM THE TERMS OF THIS AGREEMENT AND NOTHING IN THIS AGREEMENT SHALL BE CONSTRUED TO REQUIRE COMPANY TO REPAIR, MAINTAIN, UPGRADE, REPLACE OR OTHERWISE CORRECT ANY PRODUCT FOR THE PURPOSE OF MAKING THAT PRODUCT YEAR 2000 COMPLIANT. NO EXPRESS OR IMPLIED WARRANTY IS MADE AGAINST INTRUSIONS INTO COMPANY'S OR COMPANY'S VENDORS' VOICE PROCESSING SYSTEMS BY FRAUDULENT CALLERS OR AGAINST ANY TOLL FRAUD. COMPANY MAKES NO WARRANTIES AS TO THE LAWFULNESS OF USING ANY FEATURE OF THE PRODUCT TO MONITOR, RECORD OR FORWARD ANY ORAL, WIRE OR ELECTRONIC COMMUNICATION. CUSTOMER AGREES TO USE THE PRODUCT IN COMPLIANCE WITH ALL FEDERAL, STATE AND LOCAL LAWS, AND TO INDEMNIFY COMPANY AGAINST ALL CLAIMS OR LIABILITY UNDER ANY PRIVACY, ELECTRONIC SURVEILLANCE AND SIMILAR LAWS ARISING FROM THE USE, POSSESSION, INSTALLATION, AND SALE OF THE PRODUCT. THIS LIMITATION OF LIABILITY SHALL APPLY, NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDIES. ASSIGNMENT A Maintenance Program may not be assigned by Customer without the prior written consent of the Company. Any attempt to assign without such consent shall be void. SUBCONTRACTING To ensure the prompt and efficient performance of its obligations hereunder, Company may subcontract any of the work to be performed by it under any Maintenance Program. SEVERABILITY The invalidity or unenforceability of any provision of the Maintenance Program shall not affect the validity or enforceability of the other provisions, and these Terms and Conditions shall be construed in all respects as if such invalid and unenforceable provisions were omitted. Company and Customer agree to substitute for any invalid or unenforceable provision a valid and enforceable provision that most closely approximates the economic effect and intent of the invalid and unenforceable provision. AUTOMATIC RENEWAL The selected Maintenance Program shall be automatically renewed for additional periods equal in duration of the Term specified in the last invoice (the "Renewal Terms") on the terms and conditions set forth herein or as provided in Company's Maintenance Programs Terms and Conditions mailed to Customer with an invoice for the Renewal Term 60 days prior to any such Renewal Term, unless, at least 30 days prior to the expiration of the Term or Renewal Term, either Company or Customer shall have given written notice of nonrenewal and subject to payment of the invoice by Customer for such renewal. In the event of such automatic renewal, a Maintenance Fee for each Renewal Term shall be set by Company in accordance with its prevailing rates for such service then in effect. TIME AND MATERIALS Any service performed by Company when the Maintenance Program is not in effect, any service performed outside the hours or limits of the coverage selected by the Customer, and any service on products not listed on the Maintenance Program invoice will be billed in accordance with Company's prevailing labor, parts and materials rates, with payment due and payable to the Company's authorized representative upon satisfactory completion of the service performed. CANCELLATION The performance of any work on the Product by any unauthorized persons will void the Maintenance Program without any liability to Company. Claricom, Inc. Maintenance Programs Department 478 Wheelers Farms Road Milford, CT 06460 Revision Date: October 15, 1998 EXHIBIT D OPERATING ASSETS Original Accumulated Carrying Cost Depreciation Value Equipment Stamford $82,493 $45,000 $37,493 New York 68,133 27,056 41,077 Furniture Stamford 46,099 33,010 13,089 Computers Stamford 125,697 105,817 19,880 New York 55,570 28,111 27,459 Leasehold Improvements Stamford 145,473 72,050 73,423 New York 17,596 10,157 7,439 - ------------------------------------------------------------------------------ Total $541,061 $321,201 $219,860 Exhibit D Detail Listing Of Operating Assets La Jolla Bank Summary of Property and Equipment Data as of April 30, 2000 Original Accumulated Carrying Cost Depreciation Value Equipment Stamford 82,493 45,000 37,493 New York 68,133 27,056 41,077 Furniture Stamford 46,099 33,010 13,089 Computers Stamford 125,697 105,817 19,880 New York 55,570 28,111 27,459 Leasehold Stamford 145,473 72,050 73,423 New York 17,596 10,157 7,439 -------------------------------------------------- Total 541,061 321,201 219,860 ================================================== La Jolla Bank Fixed Aset Detail 30-Apr-00
STAMFORD-EQUIPMENT ASSET DATE BOOK NUMBER DESCRIPTION ACQUIRED COST ACC DEP BASIS 720 FICHE MACHINE 19940816 3,078.92 3,078.92 0.00 729 ATM BOARD 19950531 3,110.00 3,013.69 96.31 732 INSTALL ATM COVER 19950608 222.60 215.18 7.42 733 ATM SURROUND 19950630 250.00 238.38 11.62 735 CASH TRAYS 19951023 585.12 520.40 64.72 738 TIME LAPSE VCR 19960208 1,495.00 1,234.56 260.44 741 2 DIGITAL CAMERAS 19960716 1,427.97 1,060.80 367.17 746 INSTALL 3 LENSES CCTV 19970501 595.00 578.43 16.57 748 MICROFILMER/ENDORSER 19970903 7,144.96 4,664.50 2,480.46 837 TOSHIBA 4560 COPIER 19990731 8,124.90 1,083.36 7,041.54 839 PHONE UPGRADE 19990409 3,153.50 630.70 2,522.80 870 PAPER SHREDDER BR 50 20000127 1,311.21 262.24 1,048.97 118 ATM SECURITY 19941219 1,723.00 916.51 806.49 0167 ATM Y2K UPGRADE 19990430 4,061.90 438.02 3,623.88 726 TYPEWRITER 19941222 250.00 250.00 0.00 838 PHONE UPGRADE 19990409 3,153.50 630.70 2,522.80 717 SOLUTIONS 19981130 1,248.15 554.73 693.42 718 CAMCORDER, VCR, TV 19931204 1,172.23 1,172.23 0.00 719 FAX MACHINE 19931217 773.80 773.80 0.00 721 REFRIGERATOR AND MICROW 19941001 565.99 565.99 0.00 722 COFFEE MAKER 19941001 179.99 179.99 0.00 723 VACUUM CLEANER 19941001 312.65 312.65 0.00 724 FAX MACHINE 19941122 3,058.10 3,058.10 0.00 725 WET/DRY VAC 19941128 74.19 74.19 0.00 731 PHONE 19950608 483.36 483.36 0.00 739 PITNEY BOWES MAIL MACHINE 19960404 5,755.70 4,604.59 1,151.11 740 SHREDDER 19960411 530.00 423.95 106.05 745 FAX FOR HOME PAN KX-F105 19970204 261.70 261.70 0.00 747 ADD ONE PHONE UNIT 19970811 1,715.82 915.18 800.64 749 IBM SELECTRIC TYPEWRITER 19971222 371.00 166.90 204.10 750 2ND FLOOR FAX MACHINE 19971223 2,427.40 1,092.26 1,335.14 757 TOSHIBA COPIER 19980604 9,883.44 3,623.89 6,259.55 0112 INSTALL ALARM SYSTEM 19941001 10,031.88 5,517.59 4,514.29 0113 ALARM SYSTEM 19941001 3,460.90 1,903.45 1,557.45 0114 SECURITY ANNUAL SC 19941001 500.00 500.00 0.00 82,493.88 45,000.94 37,492.94
La Jolla Bank Fixed Aset Detail 30-Apr-00
NEW YORK-EQUIPMENT ASSET DATE BOOK NUMBER DESCRIPTION ACQUIRED COST ACC DEP BASIS 744 NYNEX INSTALL PHONE 19970203 407.31 407.31 0.00 163 SECURITY SYSTEM 19970701 3,000.00 1,511.55 1,488.45 789 VAULT 19970716 12,443.34 3,044.43 9,398.91 790 PHONE SYSTEM 19970801 3,037.85 743.30 2,294.55 0164 INSTALL PHONE LINES 19970923 1,072.86 523.66 549.20 793 PHOTOCOPIER 19971028 6,725.57 3,250.64 3,474.93 796 FAX MACHINE 19971121 2,732.80 1,308.47 1,424.33 797 MICROFILMER 19971201 11,401.17 6,374.75 5,026.42 803 SECURITY SYSTEM 19980129 9,773.00 4,355.35 5,417.65 804 TELEPHONE SYSTEM 19980204 7,083.04 1,534.73 5,548.31 805 SECURITY SYSTEM 19980218 4,313.76 1,850.98 2,462.78 807 TRISTATE DIGITAL CAMERA 19980402 399.45 266.33 133.12 799 2 TIMELOCK MOVEMENTS VAU 19971222 2,043.11 944.36 1,098.75 809 DIGITAL CAMERA 19981007 264.95 132.48 132.47 811 BATTERY MEMORY 19981008 652.19 326.12 326.07 812 MICROWAREHOUSE 19981130 159.90 71.06 88.84 826 CASH COUNTER 19990611 1,033.27 172.20 861.07 833 TELLER CASH BOXES 19990715 1,590.00 238.50 1,351.50 68,133.57 27,056.22 41,077.35
La Jolla Bank Fixed Aset Detail 30-Apr-00
STAMFORD-FURNITURE ASSET DATE BOOK NUMBER DESCRIPTION ACQUIRED COST ACC DEP BASIS 755 LOBBY PORTABLE POSTS 19980213 498.68 216.08 282.60 785 EXEC WORK STATION 19970714 1,213.60 667.48 546.12 786 TELLER STOOLS 19970721 369.78 201.48 168.30 822 CASH COUNTER 19990611 1,011.07 168.50 842.57 777 MORTGAGE CABINETS 19950531 2,158.87 1,508.48 650.39 778 MORTGAGE FILES 19950608 2,003.64 1,383.41 620.23 673 COMPUTER STAND 19941104 295.84 295.84 0.00 675 COMPUTER STAND 19941121 351.06 351.06 0.00 676 COMPUTER STAND 19941222 102.72 102.72 0.00 677 COMPUTER RAM 19941205 572.19 572.19 0.00 678 MODEM LINE 19941209 111.30 111.30 0.00 680 COMPUTER STAND 19950113 320.52 320.52 0.00 682 PRINTER STANDS 19950125 342.48 342.48 0.00 727 NOBODY BEATS THE WIZ 19941230 149.95 149.95 0.00 728 PRINTER STANDS 19950113 147.79 147.79 0.00 730 LETTERBOARD 19950601 299.64 299.64 0.00 734 PRCST ASH/TRASH 19950706 415.73 395.00 20.73 736 WORK CENTER 19960213 286.84 239.02 47.82 737 TELECONFERENCE 19960222 1,007.35 830.72 176.63 743 2 SIGN BANNERS WITH LOGO 19970124 614.80 614.80 0.00 751 LATERAL FILES 19980112 428.26 192.74 235.52 752 EXTENSIONS 19980205 634.02 274.78 359.24 753 5 DRAWER FILE 19980209 537.00 232.70 304.30 754 SHR LEVOLOR WOOD BLINDS 19980209 583.00 252.68 330.32 756 FILES OP DEPT 19980507 1,382.24 529.89 852.35 759 JR OFFICE 19941101 2,780.38 2,151.50 628.88 760 OFFICE 19941101 2,780.38 2,151.50 628.88 761 CABINETS 19941101 976.26 755.39 220.87 762 SITTING AREA 19941101 2,552.48 1,975.24 577.24 763 FREIGHT SHIPPING AND HANDLING 19941101 535.30 414.15 121.15 764 KFI 19941107 577.70 447.10 130.60 765 CHAIR 19941121 296.79 296.79 0.00 766 CENTRE ISLE 19941123 742.00 570.73 171.27 767 50% DOWN PAYMENT 19941123 293.00 293.00 0.00 768 PROD FELT BOARD 19941222 427.39 427.39 0.00 769 BIBER CONTRACT 19941229 4,000.00 3,592.35 407.65 770 BIBER CONTRACT 19950106 328.16 246.22 81.94 771 OFFICE FURNITURE 19950111 2,288.54 1,716.25 572.29 772 GLASS AND MIRROR 19950125 320.12 320.12 0.00 773 BIBER CONTRACT 19950125 1,460.59 1,089.37 371.22 774 BOOK SHELF 19950206 158.25 158.25 0.00 775 OFFICE FURNITURE 19950504 500.00 351.06 148.94 776 OFFICE FURNITURE 19950508 749.74 526.75 222.99 779 LATERAL FILE 19950628 569.50 391.19 178.31 780 2 DESKS, CHAIR, CREDENZA 19960326 1,447.96 1,158.32 289.64 781 2 3-DRAWER LATERAL FILES 19960603 659.22 505.43 153.79 782 4-DRAWER FILE 19960703 323.37 242.55 80.82 783 CONFERENCE TABLE 19961011 449.44 314.77 134.67 784 FILE CABINET/ CHAIR 19970121 366.44 236.09 130.35 787 DESK/CHAIRS 19970922 1,500.00 767.89 732.11 788 DESK 19971217 1,234.80 570.74 664.06 794 COIN TRAYS 19971028 975.78 471.57 504.21 792 KITCHEN APPLS 19971028 966.67 467.20 499.47 46,098.63 33,010.16 13,088.47
La Jolla Bank Fixed Asset Detail 30-Apr-00 STAMFORD-COMPUTERS
ASSET DATE CARRYING NUMBER DESCRIPTION ACQUIRED COST ACC DEP VALUE 670 COMPUTER FOR SAVINGS 19941014 1,452.20 1,452.20 0.00 679 COMPUTER 19941230 1,600.60 1,600.60 0.00 681 PRINTER 19950115 2,151.68 2,151.68 0.00 691 SEMIDEY TELLER SYS 19960404 26,953.86 20,215.38 6,738.48 692 TELLER SYS SOFTWARE 19960426 10,687.00 7,908.48 2,778.52 699 VANGARD 300 19970204 3,035.36 3,035.36 0.00 702 INTERNAL X2 MODEM 19970507 210.94 205.10 5.84 667 COMPUTER, PRINTER LOANS 19930531 3,068.70 3,068.70 0.00 687 COMPUTER 19951026 1,620.00 1,620.00 0.00 694 POINT FOR WINDOWS 19960520 908.00 704.26 203.74 698 COMPUTER 19961219 3,970.34 3,970.34 0.00 714 HP LASERJET PRINTER 19980520 1,983.79 1,212.36 771.43 0106 CABLE FOR BMS 19990116 920.00 122.66 797.34 665 COMPUTER, PRINTER 19931216 3,996.20 3,996.20 0.00 666 QUATTRO PRO 19931216 254.45 254.45 0.00 668 COMPUTER, PRINTER ACCTG 19940919 1,764.90 1,764.90 0.00 669 MODEM FOR COMPUTER 19940919 153.90 153.90 0.00 671 FAX MODEM ADMIN 19941104 174.90 174.90 0.00 672 FAX MODEM LINE 19941104 111.30 111.30 0.00 674 COMPUTER 19941121 675.00 675.00 0.00 683 CD ROM 19950322 434.60 434.60 0.00 684 1 MEG SIMM 19950530 296.80 296.80 0.00 685 COLOR MONITOR 19950914 296.80 296.80 0.00 686 TAPE BACKUP 19950914 560.00 560.00 0.00 688 2 COMPUTERS 19960221 3,490.00 2,868.93 621.07 689 2 LAPTOP COMPUTERS 19960415 3,905.98 3,905.98 0.00 690 A P SYSTEM 19960418 720.00 720.00 0.00 693 INSTALL LAN TRAIN 19960513 461.10 341.34 119.76 695 LAN SET UP COSTS 19960710 1,298.50 1,298.50 0.00 696 SYNON BRANCH AUTOMATIO 19960924 18,179.50 16,828.31 1,351.19 697 HARDWARE/SOFTWARE 19961024 466.80 323.75 143.05 700 COMPUTER 19970227 921.14 921.14 0.00 701 COM CARD LAN GATEWAY 19970312 2,265.70 2,265.70 0.00 703 CONVERSION PLUS 19970528 328.39 310.19 18.20 704 LAPTOP COMPUTER 19970613 2,090.99 1,974.84 116.15 705 OFFICE 97 WINDOWS 95 19970829 2,187.17 1,883.37 303.80 706 LAPTOP COMPUTER 19970929 2,633.48 2,218.93 414.55 707 PC HARDWARE UPGRADE 19971006 3,345.00 2,725.59 619.41 708 GATEWAY SOFTWARE 19971222 3,031.55 2,309.72 721.83 709 25 GATEWAY AND APP UPGR 19980114 625.00 468.74 156.26 710 EXCEL 19980114 455.62 341.73 113.89 711 COMPUTER 19980102 2,491.95 1,868.95 623.00 712 COMPUTER 19980212 3,844.16 2,776.32 1,067.84 713 DUFRANE SOFTWARE 19980311 3,345.04 2,322.96 1,022.08 716 COMPUTER 19981020 2,011.03 949.64 1,061.39 742 HP DESKJET PRINTER 19970114 317.98 206.69 111.29 125,697.40 105,817.29 l9,880.11
La Jolla Bank Fixed Asset Detail 30-Apr-00 NEW YORK-COMPUTERS
ASSET DATE CARRYING NUMBER DESCRIPTION ACQUIRED COST ACC DEP VALUE 795 LAN 19971028 2,017.00 974.95 1,042.05 791 TELLER SYSTEM 19971121 45,018.84 22,959.68 22,059.16 798 LASERJET 4000N 19971217 1,543.71 712.66 831.05 800 MARINER 33.6 DATA/FAX/LAN 19971223 1,987.40 918.59 1,068.81 801 VANGUARD 320 W/DSU 19980112 510.00 229.50 280.50 802 INSTALL TELLER SYSTEM 19980114 1,375.00 618.80 756.20 806 EXCEL, WIN 95, OFF 97 19980413 455.62 303.77 151.85 715 NETWORK SOFTWARE 19980813 1,114.95 619.41 495.54 808 LAPTOP 19981005 1,272.19 636.10 636.09 810 CD ROM 19981007 275.49 137.73 137.76 55,570.20 28,111.19 27,459.01
La Jolla Bank Fixed Asset Detail 30-Apr-00 STAMFORD - LEASEHOLD ASSET DATE BOOK NUMBER DESCRIPTION ACQUIRE COST ACC DEP BASIS 871 CT SIGNAGE 20000229 4,478.50 895.70 3,582.80 0105 CABLE FOR BMS 19990116 920.00 122.66 797.34 0111 VAULT FLOOR REPAIR 19941001 500.00 500.00 0.00 178 SIGNAGE 19990922 1,485.57 183.78 1,301.79 0181 BR 50 COUNTER REMODEL 19991201 28,630.98 1,080.40 27,550.58 758 LOBBY FLOOR 19941101 8,732.28 6,757.27 1,975.01 0108 ADDITIONAL PARKING 19941020 404.62 404.62 0.00 0109 GENERAL CLEAN UP 19940930 1,173.10 1,173.10 0.00 0110 GENERAL CLEAN UP 19940930 940.01 940.01 0.00 0115 ELECTRICAL WORK 19941104 1,663.32 900.91 762.41 0116 LOCKS 19941205 722.17 722.17 0.00 0117 FIDALEO & SONS 19941207 500.00 266.79 233.21 0119 ADT INSTALLATION 19941222 358.48 356.48 0.00 0120 SANTA FUEL 19941230 346.05 348.05 0.00 0121 MILLARD ASSOC 19941230 3,000.00 1,595.66 1404.34 0122 DOORS 19950125 1,630.28 853.75 776.53 0123 MORSE MOVING 19950206 612.48 612.48 0.00 0124 BANK LOCK SERV1CES 19950206 297.86 297.86 0.00 0125 TEMCO BUILING MAINT 19950214 821.50 821.50 0.00 0126 JOSEPH ARGENTINE 19950214 438.00 438.00 0.00 0127 SANTA FUEL 19950220 858.71 858.71 0.00 0128 UNITED ELECTRICAL CONT 19950224 1,964.22 1,009.65 954.57 0129 ACTIV-AD SIGNS 19940224 2,325.37 1,875.15 450.22 0130 MILLARD ASSOC 19950224 892.32 459.94 432.38 0131 WINDOW 19950424 1,116.18 556.45 559.73 0132 OUTSIDE LIGHTS 19950530 584.50 547.03 17.47 0133 RAIL HANDICAP RAMP 19950609 850.00 410.75 439.25 0134 OUTLETS FOR ALARM 19950623 695.00 334.97 360.03 0135 17 TELEPHONE DROPS 19950623 3,130.00 1,508.55 1,621.45 0136 ACTIV-ADS SIGNS 19950630 3,575.00 3,408.12 166.88 0137 EXPAND PARKING 19950630 255.80 123.19 132.61 0138 EXPAND PARKING 19950630 1,980.00 954.36 1,025.64 0139 DOOR BELL 19950724 331.48 310.69 20.77 0140 PARKING LOT EXTENSION 19951013 450.00 202.50 247.50 0141 PARKING LOT EXTENSION 19951013 5,300.00 2,385.15 2,914.85 0142 PARKING LOT EXTENSION 19951109 2,787.80 2,787.80 0.00 0143 PARKING LOT EXTENSION 19951204 1,349.53 1,349.53 0.00 0144 LAN COMPUTER CABLE 19960507 2,912.00 2,281.03 630.97 0145 RESEAL PARKING LOT 19961004 1,683.42 1,683.42 0.00 0146 DUAL FAN COIL TWO SOUTH 19961023 6,731.00 4,668.22 2,062.78 0147 REPLACE RECESSED LIGHTS 19961105 3,894.91 2,661.60 1,233.31 0148 2 50-WATT HALIDE FIXTURES 19970203 996.32 996.32 0.00 0149 2ND FLOOR CIRCUITS 19970609 3,536.00 2,003.73 1,532.27 0150 ROBERT FELSON ARCHITECH 19970609 1,840.00 1,042.77 797.23 0151 ACCOUSTICAL PANEL 19970707 993.56 546.48 447.08 0152 INSTALL BRONZE TEMPER 19970708 1,191.44 655.37 536.07 0153 2ND FLOOR RENOVATIONS 19970807 4,187.00 2,233.06 1,953.94 0154 2ND FLOOR RECESSED LIGHTS 19970827 1,536.58 812.05 724.53 0155 2ND FLOOR PARTITIONS 19970904 2.470,50 1,276.47 1,194.03 0156 2ND FLOOR CARPET 19971015 12,926.70 6,483.40 6,463.30 0157 2ND FLOOR PARTITIONS 19971015 2,437.10 1,218.59 1,218.51 0158 PHONE LINE 19971023 661.47 327.60 333.87 0159 ACOUSTICAL PANELS 19971101 3,277.71 1,912.26 1,365.45 0160 ACOUSTICAL PANELS 19971113 3,774.35 1,824.30 1,950.05 0161 DATA LINES 19980128 1,640.63 731.22 909.41 0162 KITCHEN REMODEL 19990131 2,702.88 360.38 2,342.50 145,472.66 72,050.00 73,422.66 La Jolla Bank Fixed Asset Detail 30-Apr-00 NEW YORK - LEASEHOLD ASSET DATE BOOK NUMBER DESCRIPTION ACQUIRED COST ACC DEP BASIS 0165 LUNCH ROOM CABINETS 19971028 2,489.75 1,203.41 1,286.34 0166 CELLAR LIGHTING SIGN 19971117 2,748.79 1,316.04 1,432.75 0170 BREAKROOM REMODEL 19990401 3,061.28 2,240.85 820.43 0171 BREAKROOM REMODEL 19990401 3,061.28 2,240.85 820.43 0174 AWNING 19990611 4,749.84 2,562.28 2,187.56 0177 SIGNAGE 19990922 1,485.57 594.24 891.33 17,596.51 10,157.67 7,438.84 EXHIBIT E IDENTIFICATION OF ACCOUNT LOANS 35
INST 75P BRANCH 50 TYPE 61 LINE OF CREDIT TRIAL BALANCE 330AN APR 29, 00 PAGE 23 ACCOUNT CHECKING LINE/CRED PAYMT PERIOD DATE PRINCIPAL FIN CHARGE CYCLE LOC BASE MAXIMUM AVAIL NUMBER BALANCE BALANCE DUE DTE END DTE L.F.C. DUE DUE CODE CYCLE INT RTE LINE/CRED LINE/CRED - ------------------------------------------------------------------------------------------------------------------------------------ CHECKING ACCT NO ACCOUNT HOLDER NAME ANTIC F/C CGS PD YTD HOLD CODES AC ST FLOAT LOC 1413 188.93 79.31- 25MAY00 30APR00 29APR00 19.97 5.03 20 20 13.7500 1,000.00 920.69 50-15- 1413 RUSS HOLLANDER 0.87 14.53 00 00 00 00 00 0.00 10327 516.01 602.22- 09MAY00 14APR00 28APR00 27.78 2.22 05 05 18.0000 1,000.00 397.78 50-15- 10327 FRANKLIN A CORNELIO 8.28 0.00 00 00 00 00 00 0.00 401342 0.00 0.00 25SEP99 30APR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00 50-15- 401342 KAM ROSS PROERTIES INC 0.00 0.00 00 00 00 00 00 0.00 401563 0.00 0.00 25APR00 30APR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00 50-15- 401563 WHLELRP INC DBA 0.00 74.16 00 00 00 00 00 0.00 800933 23,444.08 277.75- 25APR00 3OAPR00 29APR00 43.55 6.45 20 20 13.7500 500.00 222.25 50-15- 800933 NICHOLAS FORTUNATO 3.17 11.43 00 00 00 00 00 0.00 801204 0.00 0.00 27JAN99 3OAPR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00 50-15- 801204 ROBERT WACH 0.00 0.00 00 00 00 00 00 0.00 802952 0.00 0.00 25FEB99 30APR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00 50-15- 802952 LINDA MIHALEY 0.00 0.00 00 00 00 00 00 0.00 804106 4,121.05 0.00 25FEB00 30APR0O 29APR00 0.00 0.00 20 20 13.7500 500.00 500.00 50-15- 504106 LANCE M TIBBETTS 0.00 7.47 00 00 00 00 00 0.00 807504 1,558.44 0.00 25OCT99 30APR00 29APR00 0.00 0.00 20 20 13.7500 500.00 500.00 50-15- 807504 LINDA BLODGETT TRECO 0.00 0.00 00 00 00 00 00 0.00 807644 3,047.77 0.00 25APR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00 50-15- 807644 STEVEN J YOUNES 0.00 3.21 00 00 00 00 00 0.00 808012 1.72 405.09- 25APR00 30APR00 29APR00 40.71 9.29 20 20 13.7500 500.00 94.91 50-15- 808012 SANDRA E MIMBS 4.62 15.56 00 00 00 00 00 0.00 808101 0.00 0.00 25AUG99 30APR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00 50-15- 808101 STEVEN MALEH 0.00 0.00 00 00 00 00 00 0.00 808578 3,306.18 1,612.36- 0000000 25JAN99 31DEC99 0.00 0.00 20 00 13.7500 2,000.00 387.64 50-15- 808578 PHILLIPS G TERHUNE 4.18 0.00 00 00 00 00 11 0.00
INST 75P BRANCH 50 TYPE 61 LINE OF CREDIT TRIAL BALANCE 330AN APR 29, 00 PAGE 24 ACCOUNT CHECKING LINE/CRED PAYMT PERIOD DATE PRINCIPAL FIN CHARGE CYCLE LOC BASE MAXIMUM AVAIL NUMBER BALANCE BALANCE DUE DTE END DTE L.F.C. DUE DUE CODE CYCLE INT RTE LINE/CRED LINE/CRED - ------------------------------------------------------------------------------------------------------------------------------------ CHECKING ACCT NO ACCOUNT HOLDER NAME ANTIC F/C CGS PD YTD HOLD CODES AC ST FLOAT LOC TYPE 61 TOTALS NUMBER OF ACCOUNTS 13 NUMBER OF ACTIVE ACCOUNTS 5 LINE/CREDIT BALANCE 2,976.73- PRINCIPAL DUE 132.01 FINANCE CHARGES DUE 22.99 TOTAL AMOUNT DUE 155.00 MAXIMUM LINE/CRED 6,500.00 AVAILABLE LINE/CRED 3,523.27 FLOAT LINE/CRED 0.00 ANTIC FINANCE CHGS 21.12 CHARGES PAID Y/T/D 126.36 BRANCH 50 TOTALS NUMBER OF ACCOUNTS 13 NUMBER OF ACTIVE ACCOUNTS 5 LINE/CREDIT BALANCE 2,976.73- PRINCIPAL DUE 132.01 FINANCE CHARGES DUE 22.99 TOTAL DUE AMOUNT 155.00 MAXIMUM LINE/CRED 6,500.00 AVAILABLE LINE/CRED 3,523.27 FLOAT LINE/CRED 0.00 ANTIC FINANCE CHGS 21.12 CHARGES PAID Y/T/D 126.36
INST 75P BRANCH 60 TYPE 61 LINE OF CREDIT TRIAL BALANCE 330AN APR 29, 00 PAGE 25 ACCOUNT CHECKING LINE/CRED PAYMT PERIOD DATE PRINCIPAL FIN CHARGE CYCLE LOC BASE MAXIMUM AVAIL NUMBER BALANCE BALANCE DUE DTE END DTE L.F.C. DUE DUE CODE CYCLE INT RTE LINE/CRED LINE/CRED - ------------------------------------------------------------------------------------------------------------------------------------ CHECKING ACCT NO ACCOUNT HOLDER NAME ANTIC F/C CGS PD YTD HOLD CODES AC ST FLOAT LOC 10106 1,353.15 500.00- 02MAY00 07APR00 28APR00 23.87 1.13 01 01 18.0000 500.00 0.00 60-16- 10106 PEDRO CORCEICAO 5.81 0.00 00 00 00 00 00 0.00 10210 54,812.78 0.00 19JAN00 07APR00 29APR00 0.00 0.00 01 01 18.0000 2,500.00 2,500.00 60-16- 10210 ERNEST PARK 0.00 0.00 00 00 00 00 00 0.00 10212 6,113.73 0.00 10MAR00 07APR00 29APR00 0.00 0.00 01 01 18.0000 2,500.00 2,500.00 60-16- 10212 ERNEST S. TESSARO 0.00 0.00 00 00 00 00 00 0.00 10248 1,866.85 305.23- 11APR00 21APR00 25APR00 44.77 5.23 10 10 18.0000 500.00 194.77 60-16- 10248 HELENID ROMAN 4.14 0.00 00 00 00 00 00 0.00 10280 103,642.22 0.00 02MAR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 2,500.00 2,500.00 60-16- 10210 THERESE ANGREES 0.00 0.00 00 00 00 00 00 0.00 10297 4,144.65 0.00 24MAR00 30APR09 29APR00 0.00 0.00 20 20 18.0000 1,000.00 1,000.00 60-16- 10297 SEYMOUR WEISS 0.00 0.00 00 00 00 00 00 0.00 10340 2,021.24 0.00 03MAR00 21APR00 29APR00 0.00 0.00 10 10 18.0000 2,500.00 2,500.00 60-16- 10340 SERAFINA G D'AMATO OR 0.00 0.00 00 00 00 00 00 0.00 10364 24,146.15 0.00 24FEB00 28APR00 29APR00 0.00 0.00 15 15 18.0000 2,500.00 2,500.00 60-16- 10364 ANNA S CHERNAK 0.00 0.00 00 00 00 00 00 0.00 10399 197.18 0.00 03MAR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00 60-16- 10399 LINDA ROTHSCHILD 0.00 0.00 00 00 00 00 00 0.00 10472 1,534.94 0.00 02MAR00 28APR00 29APR00 0.00 0.00 15 15 18.0000 1,000.00 1,000.00 60-16- 10472 MICHAEL T. HODGSON 0.00 0.00 00 00 00 00 00 0.00 10474 7,369.02 0.00 19JAN00 28APR00 29APR00 0.00 0.00 15 15 18.0000 2,500.00 2,500.00 60-16- 10474 ERNEST PARK 0.00 0.00 00 00 00 00 00 0.00 10481 6,815.39 0.00 18APR00 21APR00 29APR00 0.00 0.00 10 10 18.0000 2,500.00 2,500.00 60-16- 10481 SUZANNE STERN OR 0.00 0.00 00 00 00 00 00 0.00 10501 1,424.26 0.00 19APR00 18APR00 29APR80 0.00 0.00 01 01 18.0000 2,500.00 2,500.00 60-16- 10501 SUZANNE STERN 0.00 0.00 00 00 00 00 00 0.00 10513 2,102.97 0.00 09FEB00 07APR00 29APR00 0.00 0.00 01 01 18.0000 2,500.00 2,500.00 60-16- 10513 ALEXANDER LARYS 0.00 0.00 00 00 00 00 00 0.00 10544 2,187.47 0.00 03MAR00 07APR00 29APR00 0.00 0.00 01 01 18.0000 2,500.00 2,500.00 60-16- 10544 PHILIP J. D'ALLESANDRO 0.00 0.00 00 00 00 00 00 0.00 10545 151.04 0.00 O2MAR00 21APR00 29APR00 0.00 0.00 10 10 18.0000 2,500.00 2,500.00 60-16- 10545 KELVIN S BERKOWITZ 0.00 0.00 00 00 00 00 00 0.00 10599 945.70 0.00 19APR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00 60-16- 10599 LOUIS A ALCALA 0.00 0.00 00 00 00 00 00 0.00
INST 75P BRANCH 50 TYPE 61 LINE OF CREDIT TRIAL BALANCE 330AN APR 29, 00 PAGE 26 ACCOUNT CHECKING LINE/CRED PAYMT PERIOD DATE PRINCIPAL FIN CHARGE CYCLE LOC BASE MAXIMUM AVAIL NUMBER BALANCE BALANCE DUE DTE END DTE L.F.C. DUE DUE CODE CYCLE INT RTE LINE/CRED LINE/CRED - ------------------------------------------------------------------------------------------------------------------------------------ CHECKING ACCT NO ACCOUNT HOLDER NAME ANTIC F/C CGS PD YTD HOLD CODES AC ST FLOAT LOC 30002 683.49 0.00 14MAR00 07APR00 29APR00 0.00 0.00 01 01 18.0000 500.00 500.00 60-26- 30002 BERNARD BIRUNGI 0.00 0.00 00 00 00 00 00 0.00 600074 477.10 0.00 25APR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00 60-26- 600074 FELICIA RODRIGUEZ 0.00 0.00 00 00 00 00 00 0.00 900859 1,056.44 0.00 29FEB00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00 60-16- 900859 CRISHNA N STARK 0.00 0.00 00 00 00 00 00 0.00 TYPE 61 TOTALS NUMBER OF ACCOUNTS 20 NUMBER OF ACTIVE ACCOUNTS 2 LINE/CREDIT BALANCE 805.23- PRINCIPAL DUE 68.64 FINANCE CHARGES DUE 6.36 TOTAL DUE AMOUNT 75.00 MAXIMUM LINE/CRED 33,000.00 AVAILABLE LINE/CRED 32,194.77 FLOAT LINE/CRED 0.00 ANTIC FINANCE CHGS 9.95 CHARGES PAID Y/T/D 0.00 BRANCH 60 TOTALS NUMBER OF ACCOUNTS 20 NUMBER OF ACTIVE ACCOUNTS 2 LINE/CREDIT BALANCE 805.23- PRINCIPAL DUE 68.64 FINANCE CHARGES OWE 6.36 TOTAL DUE AMOUNT 75.00 MAXIMUM LINE/CRED 33,000.00 AVAILABLE LINE/CRED 32,194.77 FLOAT LINE/CRED 0.00 ANTIC FINANCE CHGS 9.95 CHARGES PAID Y/T/D 0.00
EXHIBIT F BILL OF SALE AND ASSIGNMENT OF ASSETS THIS BILL OF SALE AND ASSIGNMENT OF ASSETS ("Bill of Sale") is made as of the ____ day of _________, 2000 by La Jolla Bank, a federally chartered savings association ("Seller"). WHEREAS, Seller, and Union State Bank, a New York State Banking Association ("Buyer"), entered into an Asset Purchase and Account Assumption Agreement, dated April ___, 2000 ("Purchase Agreement"), which, among other things, provides that Buyer will purchase from Seller and Seller will sell, assign and transfer to Buyer all of Seller's right, title and interest in and to the Operating Assets and the Account Loans (unless otherwise indicated, capitalized terms used herein shall have the same meaning as defined in the Purchase Agreement), each as more particularly set forth in the Purchase Agreement; and NOW, THEREFORE, and in consideration of the payment by Buyer pursuant to the terms of the Purchase Agreement of the purchase price for the Operating Assets, the receipt and sufficiency of which are hereby acknowledged, and in further consideration of the mutual covenants and agreements contained in the Purchase Agreement and pursuant to the terms thereof, Seller does hereby sell, assign, transfer, convey and deliver to Buyer all of Seller's right, title and interest in and to the Operating Assets (all as more fully described in Exhibit A hereto, which is incorporated by reference thereto and made a part hereof); Buyer acknowledges the receipt of all documents, instruments and agreements pertaining to the Operating Assets. Seller hereby agrees, from and after the date hereof upon the reasonable request of Buyer, to execute such other documents or instruments in order to obtain the full benefit 36 of this Bill of Sale. An updated and finalized Exhibit A shall be attached hereto on the Closing Date. Nothing in this Bill of Sale, express or implied, is intended or shall be construed to confer upon any person or entity other than Buyer any remedy or claim, and all the terms and conditions of this instrument shall be for the sole and exclusive benefit of Buyer and its successors and assigns. La Jolla Bank Attest: By: ------------------------------- ---------------------------------- Assistant Secretary Rick F. Hall, President UNION STATE BANK Attest: By: ------------------------------- ---------------------------------- Assistant Secretary Thomas E. Hales, President and Chief Executive Officer 37 EXHIBIT G ASSIGNMENT AND ASSUMPTION AGREEMENT THIS ASSIGNMENT AND ASSUMPTION AGREEMENT ("Agreement") is made this _____ day of _________, 2000 by and between Union State Bank, a New York State Banking Association ("Buyer"), and La Jolla Bank, a Federally Chartered Savings Association ("Seller"), WITNESSETH: WHEREAS, Seller and Buyer have entered into the Asset Purchase and Account Assumption Agreement dated ___________, 2000, (the "Purchase Agreement"), which, among other things, provides for (i) the sale, transfer, assignment, and conveyance to Buyer of certain of the assets owned by Seller and used in connection with the operation and maintenance of certain branch offices of Seller as set forth in Exhibit A to the Purchase Agreement (the "Branch Offices"), (ii) the assignment by Seller of the Liabilities (unless otherwise indicated, all capitalized terms as used herein shall have the same meanings as set forth in the Purchase Agreement) to Buyer and the assumption of payment by Buyer of all liability of Seller existing on the Closing Date for the Liabilities, and (iii) the assignment to and assumption by Buyer of certain other contractual obligations. NOW, THEREFORE, in consideration of the premises and in accordance with the terms and conditions of the Purchase Agreement and for other good and valuable consideration, the adequacy and receipt of which are hereby acknowledged, Seller and Buyer agree as follows. 1. Seller hereby assigns to Buyer and Buyer hereby assumes from Seller and agrees to discharge and pay, that portion of the liabilities and obligations of Seller set forth in this Section I which are to be performed after the date hereof: (a) All Liabilities of Seller set forth on Exhibit A hereto; and 38 (b) The contractual obligations set forth on Exhibit B hereto. 2. Other than as set forth in Section 1 of this Agreement, Buyer is not assuming and shall not be responsible, or deemed to be responsible, for paying or discharging any other liability or obligation of Seller. 3. Seller and Buyer agree to execute such further agreements and documents as may be necessary or appropriate to effectuate the purposes of this Agreement. 4. This Agreement shall be binding upon and shall inure to the benefit of the parties hereto and their respective successors and permissible assigns. This Agreement she be governed by and construed in accordance with the laws of the State of New York. IN WITNESS WHEREOF, Seller and Buyer have executed this Agreement as of the day and year first written above. La Jolla Bank Attest: By: ------------------------------- ---------------------------------- Assistant Secretary Rick F. Hall, President UNION STATE BANK Attest: By: ------------------------------- ---------------------------------- Assistant Secretary Thomas E. Hales, President and Chief Executive Officer 39 EXHIBIT H COPIES OF LEASES FOR THE RESPECTIVE BRANCH OFFICES 40 LEASE AGREEMENT OF LEASE, made as of ___________, 2000, between FRANK R. WARREN AND JOANNE C. WARREN, TRUSTEES OF THE FRANK R. WARREN AND JOANNE C. WARREN REVOCABLE TRUST UDT AUGUST 2, 1985, (hereinafter the "Landlord") having an office at Warren Properties, Box 469114, Escondido, California 92046-9114 and UNION STATE BANK, having its principal place of business located at 100 Dutch Hill Road, Orangeburg, New York 10961 (hereinafter the "Tenant") ARTICLE 1 Definitions 1. 1.01 The following terms shall have the meanings set forth opposite each of them: "Access" Tenant shall have unrestricted and unimpeded entry to the Demised Premises and Tenant shall have access to the Demised Premises 24 hours per day, 7 days per week. "Building": The Building erected on the Real Property and located at 999 Bedford Street, City of Stamford, State of Connecticut. "Commencement Date" Such date as the Landlord shall deliver possession of the Demised Premises to Tenant and all regulatory approvals for a Banking branch have been obtained. "Demised Premises" The Building consisting of _________ square feet and the Real Property upon which the Building stands. "Expiration Date" ____________________, 2005 or ending on an earlier or later date that this Lease may expire or be canceled or terminated or renewed pursuant to the terms of this Lease. "Annual Rent" The annual rent during the Initial Term shall be One Hundred Thousand ($100,000.00) Dollars. "Initial Term" A period of five (5) years beginning on the "Commencement Date." "Permitted Use" The Demised Premises shall be used for general banking operations, executive and clerical offices only and for no other purpose. 1 "Real Property" Shall be the land upon which the building stands, the Building, and the land (and the improvements thereon, adjoining the Building) forming part of the same tax lot or lots as those of the land on which the Building stands and in which the demised premises are located. "Rent Year" The period commencing on the Commencement Date and ending with the day preceding the first anniversary of such Commencement Date. "Structural" Shall mean the parts of the Building which are integral to the structure of the Building, which includes: stairwells and towers; foundations; subflooring; column supports; load bearing walls; roofs; exterior walls above and/or below grade; fire escapes; and any building member integral to the support of the Building. "Renewal Term" The period beginning on the day after the first expiration date and ending at 11:59 p.m. on the Date which is five (5) years after commencement of the renewal term. 2 ARTICLE 2 Demised Premises 2.01 The Landlord hereby leases to Tenant and Tenant hereby hires from the Landlord the Demised Premises for the Term for the Rent hereinafter reserved and upon and subject to the conditions (including limitations restrictions and reservations) and covenants hereinafter provided. Each party hereto agrees to observe and perform all of the conditions and covenants herein contained on its part to be observed and performed. 2.02 The general location, size and layout of the Demised Premises are outlined on Exhibit "A". 2.03 Neither Landlord nor Tenant shall cause or allow any undue waste on the Demised Premises and shall comply with all applicable laws and ordinances respecting the use and occupancy of the Demised Premises relating to matters not specifically set forth in this lease. Tenant shall keep the Demised Premises free and clear of all liens and encumbrances. 2.04 It is expressly understood and agreed that the commencement of this Lease and the obligations of the Tenant hereunder are expressly subject to and conditioned upon Tenant obtaining all necessary regulatory approvals for the establishment of a full service banking branch at the location of the Demised Premises and is further subject to all of the terms and conditions set forth in a certain Asset Purchase Account Assumption Agreement by and between Tenant and La Jolla Bank dated May , 2000 which is incorporated herein by reference thereto. Tenant hereby agrees to diligently and in good faith make all required applications and take all action necessary to obtain said approvals and otherwise satisfy all terms and conditions of the Asset Purchase Account Assumption Agreement. In the event such approvals shall be denied, for any reason whatsoever or the Asset Purchase Account Assumption Agreement is terminated pursuant to the terms of said Agreement, for any reason, this Lease Agreement shall be at an end and neither party shall have any further obligation hereunder. 3 ARTICLE 3 Use 3.01 Tenant's use of the Demised Premises shall be limited to the Permitted Use. The Permitted Use of the Demised Premises for the purposes specified in Article I hereof shall not in any event be deemed to include and Tenant shall not suffer or permit the Demised Premises or any part thereof to be used in any manner, or do anything or suffer or permit anything to be brought into or kept therein any illegal, or ultra-hazardous activity, whether within or outside the scope of the business of Tenant or which would in any way (i) violate any laws, codes, statutes, or rules or requirements of public authorities, (ii) make void or voidable any fire or liability insurance policy in force upon the Commencement Date with respect to the Building, (iii) make unobtainable from reputable insurance companies authorized to do business in the State of Connecticut at standard rates any fire insurance with extended coverage, or liability, elevator or boiler or other insurance required to be furnished by the Landlord under the terms of this Lease, (iv) discharge objectionable fumes, vapor or odors into the Building air conditioning system or into Building flues or vents not designated to receive them or otherwise in such manner as may unreasonably offend other occupants or (v) shall allow any animals or birds be brought in or kept in or about the Demised Premises or the Building, unless such animal is a "service" or "helping" animal accompanying, or in training to service a person with a "disability" as defined by the Americans with Disabilities Act of 1990 or a guide dog or hearing-aid dog. The Landlord shall not make any provisions for the supervision or care of such animals. 3.02 The Landlord hereby grants the Tenant the right to place banners, flags, balloons and similar promotional material on the exterior of the Demised Premises to advertise the opening of its Bank Office. Additionally, Landlord agrees that it will not unreasonably withhold its consent to place banners, flags, balloons and similar promotional material on the exterior of the demised premises at various time intervals for promotional purposes. 3.03 If any governmental license or permit, other than a certificate of occupancy or certificate of use, shall be required for the proper and lawful conduct of Tenant's business in the Demised Premises, or any part thereof, and if failure to secure such license or permit would in any way affect the Landlord, then Tenant, at its expense, shall duly procure and thereafter maintain such license or permit, but in no event shall failure to procure and maintain same by Tenant affect Tenant's obligations hereunder. Tenant shall not at any time use or occupy, or suffer or permit anyone to use or occupy the Demised Premises or do or permit anything to be done in the Demised Premises in violation of the certificate of occupancy for the Demised Premises or for the Building. 3.04 Tenant agrees to use, occupy, operate and maintain the Demised Premises throughout the term, as a dignified first-class, high quality establishment and in a manner which shall not detract from the character, appearance or dignity of the Building. Tenant shall have the right to install any exhibition, display (window or otherwise), or advertisement in or with respect to the Demised Premises or any part thereof, including any article, sign, poster or material. All window displays shall be kept neat, orderly and fresh in appearance. Tenant agrees not to (i) conduct or permit any fire, auction, going-out-of-business or bankruptcy sale in the Demised premises, (ii) engage in any unethical method of business operation, (iii) use or operate the Demised Premises as a so-called "discount house" or for "cut rate" or "discount" type of business, (iv) use or permit to be used the 4 sidewalks or other space outside the Demised Premises for the display, sale or similar undertaking or storage, (v) use or permit to be used any loudspeaker, phonograph or other sound system or advertising devise which may be heard outside the Demises Premises, or (vi) distribute or permit to be distributed handbills or other matter to customers outside the Demised Premises. Tenant, at its sole cost and expense, shall comply with and remain in compliance with all applicable laws, codes, statutes, rules or requirements of public authorities or changes in governmental policy, including, without limitation, the requirements of the Occupational, Safety and Health Act, as they apply to Tenant's use and occupancy of the Demised Premises. Tenant shall not place a load upon any floor of the Demised Premises which exceeds the floor load per square foot area which such floor was designed to carry. 3.05 Tenant acknowledges that the Landlord's damages resulting from any breach of the provisions of this Article are difficult, if not impossible, to ascertain and concedes that, among other remedies for such breach permitted by law or the provisions of this Lease, the Landlord shall be entitled to enjoin Tenant from any violation of said provisions. 5 ARTICLE 4 Rent 4.01 Whenever used in this Lease, the terms (insofar as it pertains to this Lease) "The annual rent", "minimum rent", "base rent" or "basic rent", shall mean Annual Rent; and whenever used in this Lease, the term (insofar as it pertain to this Lease) "rent", "rental", "Rent", or the plural of any of them, shall mean Annual Rent. 4.02 Tenant shall pay to the Landlord in lawful money of the United States of America, at the office of the Landlord as specified in the preamble hereof or at such other place as the Landlord may designate, the Annual Rent reserved under this Lease for each year of the Term, payable in equal monthly installments in advance and received by the first day of each and every calendar month during the Term. Tenant shall pay Rent as hereinafter defined, without notice, demand, deduction, abatement, set-off or counterclaim, at the office of the Landlord at the address indicated on the face of the Lease or at such other place or to such agent and at such place as the Landlord may designate from time to time. 4.03 The Annual Rent for each year of the Initial Term of this Lease shall be One Hundred Thousand and 00/100 ($100,000.00) Dollars payable in equal installments of Eight Thousand Three Hundred Thirty-Three and 33/100 ($8,333.33) Dollars per month commencing on the Commencement Date. 4.04 Tenant shall pay the Annual Rent promptly as and when the same shall become due and payable under this Lease. If the Commencement Date shall occur on a day other than the first day of the calendar month, the Rent shall be prorated for the period from the Commencement Date to the last day of the said calendar month and shall be due and payable on the Commencement Date. 4.05 Installments of rent shall be due and payable on the 1st day of each and every month during the term of this Lease. If any installment of rent has not been paid within fifteen (15) days from the due date, Tenant agrees to pay a late fee in an amount equal to 5% of the monthly installment of rent. 6 ARTICLES 5 Repairs, Operating, Maintenance, Services and Utilities 5.01 Tenant shall maintain the Building and real property except as set forth in Paragraph 5.02 herein in which the Demised Premises are located and make repairs, restorations, and replacements to the Building and real property, as necessary, including the fixtures and appurtenances to the Demised Premises, snow and ice removal and landscaping and all cleaning and janitorial services, all as and when needed to preserve them in good and safe working order and condition and replacements will be in quality and class equal to the original work or installations. 5.02 Landlord shall be responsible for maintaining and repairing all mechanical, electrical and plumbing systems and all structural repairs including, but not limited to, the roof, wall and foundations of the Demised Premises. 5.03 Tenant shall pay directly all of the costs and expense with respect to its equipment, services and personnel for protection and security; alarm service; maintenance, repairs, replacements and improvements which are appropriate for the continued operation of the Demised Premises; rental (or depreciation) of equipment used in cleaning and maintenance; painting and decoration of the Demised Premises; fire, extended coverage, special extended coverage, owner's protective and other casualty coverage, public liability and umbrella liability and property damage, rent or rental value and plate glass insurance and any other insurance which the Tenant may deem necessary; supplies, wages, salaries, disability benefits, pensions, hospitalization, retirement plans, and group insurance and other indirect expenses respecting employees of the Tenant and the Tenant's contractors up to and including the grade of the Building. 5.04 Utilities --. Landlord shall furnish, at its sole costs and expense, all fuel oil necessary for the heating of the Demised Premises. Tenant shall pay all charges for services for electricity and water. 7 ARTICLE 6 Alterations 6.01 For the purposes of this Lease, the term "Alterations" shall include, but not be limited to any changes, work or improvements to the floors, walls and ceiling of the Demised Premises. 6.02 The Landlord's consent shall not be required for minor changes to the Demised Premises such as painting and installation of cabinets and shelves. All other renovations, additions, installations, improvement and/or alterations of any kind or nature in the Demised Premises shall be at the sole cost of Tenant (herein "Tenant's Changes") and shall require the prior written consent of the Landlord thereto which, in the case of non-structural interior Tenant's Changes, the Landlord agrees not to unreasonably withhold, delay or defer. In granting its consent to any Tenant's Changes, the Landlord may impose such conditions (as to guarantee of completion, payment, restoration and otherwise) as the Landlord may reasonably require. The Landlord agrees to respond to Tenant's request for approval of Tenant's Changes within thirty (30) days after the Landlord's receipt of Tenant's written request for the Landlord's consent and all plans and other information reasonably required by the Landlord to evaluate Tenant's Changes. Tenant shall cause drawings and specifications to be prepared for, and shall cause to be performed, the construction of Tenant's Changes in accordance with all applicable laws, ordinances and regulations of all duly constituted authorities, including, without limitation, Title III of the Americans with Disabilities Act of 1990, all regulations issued thereunder and the Accessibility Guidelines for Buildings and Facilities issued pursuant thereto, as the same are in effect on the date hereof and may be hereafter modified, amended or supplemented. Any request by the Landlord for plans and other information required to evaluate Tenant's Changes shall not be unreasonably delayed. In no event shall the Landlord be required to consent to any Tenant's Change which would physically affect any part of the Building outside of the Demised Premises or would adversely affect the proper functioning of the mechanical, electrical, sanitary or other service systems of the Building. At any time Tenant requests the Landlord's written consent to any Tenant's Changes, Tenant shall deliver to the Landlord detailed plans and specifications therefor. Tenant shall pay to the Landlord any out of pocket expenses incurred by the Landlord in connection with the Landlord's submitting such plans and specifications, if it so chooses, to an architect or engineer selected by the Landlord for review or examination, an/or for supervision during performance of Tenant's Changes. The Landlord's approval of any plans or specifications does not relieve Tenant from the responsibility for the legal sufficiency and technical competency thereof. Tenant before commencement of any Tenant's Changes shall: 1. Obtain the necessary consents, permits, authorizations and licenses from all federal, state, city or municipal authorities having jurisdiction over such work; 2. Furnish to the Landlord a certificate or certificates of Worker's Compensation Insurance covering all persons who will perform Tenant's Changes for Tenant or any contractor, subcontractor or other person; 3. Furnish to the Landlord an original policy of public liability insurance (or certificate thereof) covering the Landlord in limits of not less than TWO MILLION ($2,000,000.00) dollars for injuries or damages to person and property, from a company approved by the Landlord. Such policy shall be maintained at all times during the progress of Tenant's Changes and until 8 completion thereof, and shall provide that no cancellation or material alteration shall be effective unless thirty (30) days prior written notice has been given to the Landlord. 6.03 Tenant agrees to indemnify defend and save the Landlord harmless from and against any and all bills for labor performed and equipment, fixtures and materials furnished to Tenant and applicable sales taxes thereon as required by the State of Connecticut and from and against any and all liens, bills or claims therefor or against all losses, damages, costs, expenses, suits and claims whatsoever in connection with Tenant's Changes. The cost of Tenant's Changes shall be paid for in cash or its equivalent, so that the Demises Premises and the Building shall at all times be free of liens for labor and materials supplied or claimed to have been supplied. 6.04 Tenant, at its expense, shall cause Tenant's Changes consented to by the Landlord to be performed in compliance with all applicable requirements of insurance bodies having jurisdiction and in such manner as not to interfere with, delay or impose any additional expense upon the Landlord in the maintenance or operation of the Building and so as to maintain harmonious labor relations in the Building. 9 ARTICLE 7 Electricity, Gas and Fuel INTENTIONALLY DELETED 10 ARTICLE 8 Signs 8.01 Tenant shall have the right to place its signs in, on and about the Demised Premises, provided the same are in compliance with law, are purchased and installed at the sole cost and expense of Tenant and are removed from the premises at or prior to the Expiration Date and the surfaces and areas restored to their original condition. Tenant shall be responsible for all required applications, fees and permits. The Landlord agrees to promptly execute and provide all requested documentation requested by Tenant for use in obtaining such applications and permits. It Tenant shall cause or permit any sign or other object to be placed on or affixed to any part of the Building not within the Demised Premises without Landlord's written permission, Landlord shall have the right, in addition to any other rights or remedies, without notice or liability to Tenant, to remove and dispose of any such sign or other object and to make any repairs necessitated by such removal, all at Tenant's sole cost and expense, and Landlord's cost and expense in performing such removal and repair shall be deemed additional rent payable with the next installment of Rent due hereunder. 11 ARTICLE 9 Services; Repairs 9.01 The Tenant shall cause the Demised Premises to be cleaned; including the exterior and the interior of the windows thereof to be cleaned and shall cause there to be supplied cleaning materials therefor. 9.02 Tenant shall be responsible for the operation of and all maintenance and repairs to: (i) all specifically installed items by Tenants, including but not limited to computers, HVAC equipment, uninterrupted power service equipment, generators and antennae or satellite dishes; and (ii) all Tenant service systems contained within or servicing the Demised Premises. 9.03 Tenant will pay the appropriate suppliers for all telephone and communications services used by Tenant on the premises during the term, whether or not such services are billed directly to Tenant. Tenant will also procure, or cause to be procured, without cost to Landlord, any and all necessary permits, licenses, or other authorizations required for the lawful and proper installation and maintenance upon the premises of wires, pipes, conduits, tubes, and other equipment and appliances for use in supplying any such service to and upon the premises. Landlord, upon request of Tenant, and at the sole expense and liability of Tenant, will join Tenant in any application required for obtaining or continuing any such service. 9.04 With respect to parking of vehicles: (a) Use of the parking areas located at the Demised Premises by Tenant, its personnel and visitors will be at their own risk, and the Landlord shall not be liable for any injury to person or property, or for loss or damage to any vehicle or its contents, resulting from theft, collision, vandalism or any other cause whatsoever. (b) It is understood and agreed that Landlord leases a portion of the parking area from First Presbyterian Church of Stamford pursuant to a certain lease including all renewals therein. Landlord agrees, that during the term of this Lease, to exercise any options to renew said lease in accordance with the terms and conditions of said lease, except if landlord increases the rent under Section 15 of the lease, in order to insure the benefit of the additional parking area provided under said lease for the benefit of Tenant herein. Landlord shall be solely responsible for all amounts due as rent under the aforesaid lease. 9.05 The Landlord reserves the right, without any liability to Tenant except as otherwise expressly provided in this Lease, and without being in breach of any covenant of this Lease, to stop, interrupt or suspend service of any of the heating, ventilating, air conditioning, electric, sanitary, elevator or other Building systems serving the Demised Premises, or the rendition of any other services required of the Landlord under this Lease, whenever and for so long as may be necessary, by reason of accidents, emergencies, the making of repairs or changes which the Landlord is permitted by this Lease or required to by law to make or in good faith deems advisable, or by reason of unavoidable delays, which for the purpose of this Article shall mean the temporary (not more than ten (10) business days) postponement of materials or services not within the Landlord's control. 12 changes. In each instance the Landlord shall exercise due diligence to eliminate the cause of stoppage or repetitive failure of a system or service and to effect restoration or service and shall give Tenant reasonable notice, whenever possible, of the commencement and anticipated duration of such stoppage. 9.06 If, by reason of any events beyond the Landlord's or Tenant's control, the Landlord or Tenant, as the case may be, shall be unable to fulfill its obligations under this Lease or shall be unable to supply any service which said party is obligated to supply, this Lease and Tenant's obligation to pay Rent hereunder shall in no way be affected, impaired or excused provided, however, that should such failure to provide service or to perform any other obligation under the Lease prohibit or prevent Tenant's use and occupancy of the Demised Premises for a period of thirty (30) days, Tenant may, at its option, terminate this Lease. As used herein "event beyond the Landlord's or Tenant's control" shall include, without limitation: acts of public enemy; governmental emergency, rule, order, regulation or action; war; restraining of government; unavailability of materials; labor unrest, strikes or troubles, civil riots; floods; hurricanes; tornadoes; earthquakes or other acts of severe weather conditions; or acts of God. 13 ARTICLE 10 Landlord and Tenant`s Responsibility Regarding Hazardous Substances 10.01 Landlord represents that to its knowledge: There has been no generation, processing, distribution, use, treatment, handling, storage, discharge, disposal, release, threatened release, or emission of any Hazardous Substance on or from the Building or Real Property by any person prior to the Closing Date; and, to Landlord's knowledge, no action has been taken and Landlord has not been notified that an event or condition has occurred or exists with respect to the Building or Real Property which constitutes a violation of any Environmental Laws. Landlord heretofore has delivered to Tenant copies of all written reports, correspondence, analytical data, notices or other materials, if any, in its possession pertaining to environmental surveys or assessments of the Building or Real Property and any improvements thereon, and any violation of Environmental Laws in, on, affecting, or otherwise involving the same. (1) Hazardous Substances. The term "Hazardous Substance", as used in this Lease, shall include, without limitation: "hazardous substances" or "toxic substances" as those terms are defined by the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA), 42 U.S.C. Section 8601, et seq., or the Hazardous Materials Transportation Act, 49 U.S.C. Section 1802 and "hazardous wastes," as that term is defined by the Resource Conservation and Recovery Act (RCRA), 42 U.S.C. Section 6902, et seq., all as amended to this date and as amended after this date; any pollutant, contaminant, or hazardous, dangerous, or toxic chemical, material, or substance within the meaning of any other applicable federal, state or local law, regulation, ordinance, or requirement (including consent decrees and administrative orders) relating to or imposing liability or standards of conduct concerning any hazardous, toxic, or dangerous substance or material, all as amended to this date or as amended after this date; flammables, explosives; radioactive materials, including any source, special nuclear, or by-product material as defined at 42 U.S.C. Section 2011, et seq., as amended to this date or as amended after this date; asbestos or substances or compounds containing asbestos; polychiorinated biphenyls (PCB's) or substances or compounds containing PCB's; chemical known to cause cancer or reproductive toxicity; pollutants; contaminants, and petroleum and petroleum products. (2) Landlord and Tenant's Restrictions. Neither Landlord nor Tenant shall cause or permit to occur: (a) Any violation of any federal, state, or local law, ordinance, or regulation now or hereafter enacted, related to environmental conditions on, under, or about the Demised Premises, or arising from TenanCs use of occupancy of the Demised Premises, including, but not limited to, soil and ground water conditions; or (b) The use, treatment, transportation, generation, release, manufacture, refining, production, processing, storage, or disposal or any Hazardous Substance on, under, or about the Demised Premises, or the transportation to or from the Demised Premises of any Hazardous Substance. (3) Environmental Clean-up. 14 (a) Landlord and Tenant will promptly notify each other, in writing, if Tenant has or acquires notice or knowledge that any Hazardous Substance has been or is threatened to be released, discharged, disposed of, transported, or stored on, in, under, or from the Demised Premises; and if any Hazardous Substance is found on the Demised Premises. Landlord and Tenant shall comply with all laws regulating the use, generation, storage, transportation, or disposal of Hazardous Substance, including but not limited to, the laws specified above ("Environmental Laws"). (b) Landlord and Tenant will immediately notify each other and provide copies upon receipt of all written complaints, claims, citations, demands, inquiries, reports, or notices relating to the condition of the Demised Premises (including the common areas or real property) or compliance with Environmental Laws. Tenant will promptly cure and have dismissed with prejudice any of those actions and proceedings to the satisfaction of the Landlord. Tenant will (except to the extent due to a condition that existed prior to Tenant's use or occupancy of the Demised Premises) keep the Demised Premises free of any lien imposed pursuant to any Environmental Laws. Landlord and Tenant shall make all submission to, provide all information required by, and comply with all requirements of all governmental authorities (the "Authorities") under the Environmental Laws. (c) Should any authority under the Environmental Law or any third party demand that a clean-up plan be prepared and that a clean-up be undertaken because of any deposit, spill, discharge, or other release of Hazardous Substance that occurs during the term of this Lease, in or from the Demised Premises (except to the extent due to a condition that existed prior to Tenant's use or occupancy of the Demised Premises) or which arises at any time from Tenant's use or occupancy of the Demised Premises; then Tenant shall, at Tenant's own expense, prepare and submit the required plans and all related bonds and their financial assurances, and Tenant shall carry out all such clean-ups plans. (d) Tenant shall promptly provide all information regarding the use, generation, storage, transportation, or disposal of Hazardous Substance that is requested by the Landlord or any authority under the Environmental Laws. The Landlord will have the right at all reasonable times and from time to time to conduct environmental audits of the Demised Premises, and Tenant will cooperate in the conduct of those audits. The audits will be conducted by a consultant of the Landlord's choosing, and if any Hazardous Substance is detected or if a violation of any of the warrantied, representations, or covenants contained in this Article is discovered, the fees and expenses of such consultant will be borne by Tenant and will be paid as additional Rent under this Lease on demand by the Landlord. (e) If Tenant fails to comply with any of the foregoing warranties, representations, and covenants, the Landlord may cause the removal or other cleanup acceptable to the Landlord) of any Hazardous Substance from the Demised Premises. Tenant shall cooperate with the Landlord in order to prepare all documents the Landlord deems necessary or appropriate to determine the applicability of the Environmental Laws to the Demised Premises and Tenant's use thereof, and for compliance therewith, and Tenant shall execute all documents promptly upon the Landlord's request or those of any authority under the Environmental Laws. The costs of Hazardous Substance removal and any other cleanup (including transportation and storage costs) will be 15 additional Rent under this Lease, only if a court has ordered the cleanup, and those costs will become due and payable on demand by the Landlord. Tenant will give the Landlord and the Landlord's Agents access to the Demised Premises to remove or otherwise clean up any Hazardous Substance. The Landlord, however, has no affirmative obligation to remove or otherwise clean up any Hazardous Substance, and this Lease will not be construed as creating any such obligation. No such action by the Landlord and no attempt made by the Lender to mitigate damages under any laws shall constitute a waiver of any of Tenant's obligation under this Article. (f) In addition to the indemnification provisions of Article 14 hereof, Tenant shall indemnify, defend (with counsel reasonably acceptable to the Landlord and at Tenant's sole cost), and hold the Landlord, and its officers, directors, beneficiaries, shareholders, partners, subsidiaries, agents, and employees free and harmless from and against all losses, liabilities, obligations, penalties, claims, litigation, demands, defenses, costs, judgments, suits, proceedings, damages (including consequential damages), disbursements, or expenses of any kind (including attorneys' and experts' fees and fees and expenses incurred in investigating, defending, or prosecuting and litigation, claim, or proceeding) that may at any time be imposed upon, incurred by, asserted or awarded against the Landlord (including attorneys' fees, consultants' fees and court costs) (except to the extent due to a condition that existed prior to Tenant's use of occupancy of the Demised Premises or if due to a condition created by Landlord or other Tenants in the Building) arising out of or in any way connected with: any deposit, spill, discharge, or other release or any Hazardous Substance that occurs during the term of this Lease, at or from the Demised Premised, or which arises at any time from Tenant's use or occupancy of the Demised Premises; or any violation or claim of violation by Tenant of any Environmental Laws; or the imposition of any lien for the recovery of any costs for environmental cleanup or other response costs relating to the release or threatened release of Hazardous Substance; or failure to provide all information, make all submission, and take all steps required by all authorities under the Environmental Laws and all environmental laws, or any misrepresentation, inaccuracy, or breach of any warranty, covenant, or agreement contained or referred to in this Article. This indemnification is the personal obligation of Tenant and will survive termination of this Lease. Tenant, its successors, and assigns waive, release, and agree not to make any claim or bring any cost recovery action against the Landlord under CERCLA, or any state equivalent to any similar law now existing or enacted after this date. To the extent that the Landlord is strictly liable under any such law, regulation, ordinance, or requirement, Tenant's obligation to the Landlord under this indemnity will also be without regard to fault on the part of Tenant with respect to the violation or condition that results in liability to the Landlord (except to the extent due to a condition that existed prior to Tenant's use or occupancy of the Demised Premises or if due to a condition created by Landlord or other Tenants in the Building). Notwithstanding anything herein to the contrary, the Tenant shall have 90 days from the date hereof to complete Phase I environmental assessments with respect to the demised premises. The cost and expense of the environmental assessments shall be paid by the Tenant. If the Tenant should determine pursuant to the results of such environmental assessments that (i) there has been any storage, discharge, disposal, release or emission of any Hazardous Substance in, on or from the Demised Premises and (ii) Tenant reasonably believes that it could become responsible for the remediation of such storage, discharge, disposal, release, threatened release or emission or become 16 liable for monetary damages (including without limitation any civil, criminal or administrative penalties or assessments) resulting therefrom, or if Tenant reasonably believes that such discharge, disposal, release, threatened release, emission or violation would have a material adverse effect on its ability to assign the Lease, then Tenant shall inform Landlord in writing with specificity within 90 days from the date hereof, and shall deliver to Landlord copies of all written reports, analytical data, correspondence, notices or other written material relating to or developed in connection with the environmental assessment of the property at issue. Upon receipt of notice, Landlord may, at its option and sole cost and expense, take necessary actions to correct the specific defect set forth in the notice. Upon completion of such corrective actions to the reasonable satisfaction of the Tenant, or Landlord's proving in a manner acceptable to Tenant that Tenant would not be responsible for remediation or be liable for monetary damages, including administrative, civil, or criminal penalty assessments or enforcement actions or administrative, judicial or special orders by consent (unless, in Tenant's reasonable opinion, the results of the environmental assessment would materially adversely affect the marketability, including, but not limited to, the resale or leasing of the Demised Premises, Tenant shall not be permitted to reject such Branch Office due to the results of the environmental assessment. For purposes of this Agreement "Hazardous Substance" shall mean any toxic or hazardous pollutants, chemicals, wastes or substances, including, without limitation, any hazardous substances under Section 101(14) of the Comprehensive Environmental Response, Compensation and Liability Act ("CERCLA"), 42 USC Section 9601(14), any pollutant or contaminant under Section 101(33) of CERCLA, 42 USC Section 960 1(33), friable asbestos, polychlorinated biphenyls ("PCBs"), petroleum and petroleum products or urea formaldehyde 17 ARTICLE 11 Condemnation; Eminent Domain 11.01 In the event that the Real Property, Building or any part thereof, or the Demised Premises or any part thereof, shall be taken in condemnation proceedings or by the exercise of any right of eminent domain or by agreement between the Landlord on the one hand and any governmental authority authorized to exercise such right on the other hand, the Landlord shall be entitled to collect from any condemnor the entire award or awards that may be made in any such proceeding, excepting Tenant's personal property hereby vested in or owned by Tenant, to be paid out as in this Article provided. Nothing in this Article shall prevent Tenant from bringing a separate action or proceeding for compensation for any of Tenant's property or moving expenses. 11.02 At any time during the Term if title to a portion greater than twenty-five (25%) percent of the Real Property, the Building and/or Demised Premises shall be taken in condemnation proceedings or by the exercise of any right of eminent domain or by agreement between the Landlord on the one hand and any governmental authority authorized to exercise such right on the other hand, this Lease shall terminate and expire on the date of such taking and the Rent provided to be paid by Tenant shall be apportioned and paid to the date of such taking. 11.03 However, if less than twenty-five (25%) percent of the Real Property, Building and/or Demised Premises shall be so taken, this Lease nevertheless shall continue in full force and effect, except that Landlord or Tenant may elect to terminate this Lease if that portion of the Demised Premises then occupied by Tenant shall be reduced by more than twenty-five (25%) percent, or the Demised Premises shall become untenantable, by written notice of such election to the other party given not later than thirty (30) days after (i) notice of such taking is given by the condemning authority, or (ii) the date of such taking, whichever occurs later. Upon the giving of such notice this Lease shall terminate on the date of service of such notice and the Rent due and to become due shall be prorated and adjusted as of the date of the taking. If both parties fail to give notice upon such partial taking, and this Lease continues in force as to any part of the Demised Premises not taken, the Rent apportioned to the part taken shall be prorated and adjusted as of the date of the taking and from such date the Rent shall be reduced to the amount apportioned on the remainder of the Demised Premises, and the Tenant's Share shall be recomputed to reflect the number of square feet of Tenant's Floor Space remaining in the Demised Premises in relation to the number of square feet of Total Building Floor Space remaining in the Building. 11,04 Tenant shall not be entitled to any portion of any condemnation award or private purchase price. Tenant hereby expressly assigns to the Landlord all of its rights in and to every such award, compensation, damages, rights of action, proceeds or purchase price and agrees to execute and lend all documents required to facilitate collection thereof by the Landlord. Landlord shall be under no obligation to question the amount of any such award or compensation and may accept the same in the amount paid. Notwithstanding the foregoing provisions of this Article, Tenant shall be entitled to appear, claim, prove and receive in the proceeding relating to any taking mentioned in the preceding Sections of this Article, such portion of each award made therein as represents (a) Tenant's moving expenses, and (b) the then value of Tenant's personal property. (a) Nothing herein contained shall be deemed to excuse Tenant from repairing or 18 maintaining the Demised Premises as provided in this Lease or restoring all damage or destruction to the Demised Premises, regardless of whether or not there are proceeds available or whether any such Proceeds are sufficient in amount, and the application or release by Landlord of any Proceeds shall not cure or waive any default or notice of default under this Agreement or on validate any act done pursuant to such notice. (b) Any monies received as a condemnation award shall be paid over to Landlord to be applied at the option of Landlord for the restoration of the Improvements. (c) If at any time there shall occur a partial condemnation or partial taking, and if Landlord shall have decided in its sole discretion to permit Tenant to use any condemnation award for the restoration of the Demised Premises, then Tenant may use such proceeds to restore the Demised Premised provided that (i) the net proceeds are sufficient to restore the Demised Premises, or if such proceeds are insufficient in the opinion of Landlord on advice from its architect to restore the Demised Premises, Tenant shall have deposited with Landlord cash in an amount equal to the difference between the cost of such restoration and such proceeds, (ii) there shall exist no Event of Default, nor any event which, after notice or the passage of time would become an Event of Default, (iii) in the opinion of Landlord on advice from its architect the Demised Premises can be completely restore within 180 days from the occurrence of such partial condemnation or taking, or by the Expiration Date (as defined in the Note), whichever occurs first; and (iv) Landlord shall determine, based on advice from its architect, that the contemplated restoration of the Demised Premises shall, when completed, render the Demised Premises a complete, economically viable architectural unit of substantially the same usefulness, design and construction and fully functional for the same purposes and uses as existed prior to the condemnation. In the event such condemnation award is used to repair or restore the Demised Premises pursuant to this Section, Tenant shall obtain, at its sole cost and expense, an architect who shall submit plans to Landlord for the restoration of the Demised Premises indicating that such restoration of the Demised Premises indicating that such restoration can be completed within the period provided for herein, together with a budget itemizing the projected costs of such restoration. Said plans and budget are subject to the approval of Landlord. Tenant shall also obtain and post, at its sole cost and expense, all necessary Federal, State and local permits and approvals prior to the commencement of such restoration. Tenant agrees that condemnation awards to be used to restore the Demised Premises shall be held by Landlord and disbursed periodically: (i) on advice from Landlord's architect (who shall be employed by Landlord at Tenant's sole expense) that the work completed or materials installed conform to said budget and plans, as approved by Landlord; and (ii) upon presentment of receipted bills and releases satisfactory to Landlord. The expenses incurred by Landlord, including architects' and attorneys' fees, and all soft and hard costs in connection with such restoration, shall be paid by Tenant to the extent condemnation awards are insufficient to pay same. At no time shall Landlord be obligated to disburse any funds if the undisbursed balance is, in the opinion of Landlord based on advice from its architect, insufficient to timely complete the restoration of the Demised Premises free and clear of all liens. Tenant agrees to post such bonds, obtain such guaranteed maximum price general contract agreement and/or enter into such agreements and arrangements as Landlord may require to insure lien-free completion of such repairs or restoration by the end of the period provided herein for completion of such repairs or restoration. 19 ARTICLE 12 Insurance 12.01 Insurance Coverages. Tenant agrees to at all times, at it sole expense, provide, maintain and keep in force the following policies of insurance naming Landlord and Tenant as their interests may appear and such other parties as Landlord and Tenant may designate as additional insured, in the customary form in the Town of Stamford, State of Connecticut, for premises and improvements of similar character, on premises and improvements. (a) Comprehensive public liability insurance (including coverage for elevators and escalators, if any, on the Demised Premises and, if any construction of new improvements occurs after execution of this Agreement, completed operations coverage for one year after construction of the improvements has been completed) on an occurrence basis against claims for personal injury including, without limitation, bodily injury, death or property damage occurring on, in or about the Demised Premises and the adjoining streets, sidewalks and passageways, such insurance to afford immediate minimum protection to limits of not less than $2,000,000 or such greater amount as may be required by Landlord from time to time; (b) Worker's compensation insurance including employer's liability insurance for all employees of Tenant, if any, engaged on or with respect to the Demised Premises; (c) During the course of any demolition, construction, renovation or repair of the Building or other improvements on the Demised Premises, builder's completed value risk insurance against all risks of physical loss, including collapse and transit coverage, during construction of such improvements, with deductibles satisfactory to Landlord, in nonreporting form, in an amount acceptable to Landlord. Such policy of insurance shall contain the "permission to occupy upon completion of work or occupancy endorsement and a waiver of coinsurance endorsement; (d) Rent loss and business interruption coverage, if applicable, either as a separate policy or as part of the casualty policy referred to in subsection (a) above; and (e) All policies of insurance relating to property required by terms of this Agreement shall contain a standard non-contributory negligence endorsement providing an agreement by the insurer that any loss shall be payable in accordance with the terms of such policy notwithstanding any act or negligence of Tenant which might otherwise result in forfeiture of such insurance and the further agreement of the insurer waiving all rights of set off counterclaim or deductions against Tenant. 12.02 Miscellaneous Insurance Related Provisions. (a) All policies of insurance shall be issued by companies authorized to transact business in the State of Connecticut (property liability) approved by Landlord and in amounts satisfactory to Landlord and all policies of property insurance shall have attached thereto the clause referred to in Section 12.01 above in favor of Landlord, not subject to contribution or co-insurance, all in form reasonably satisfactory to Landlord. Tenant shall furnish Landlord with a signed duplicate original policy with respect to all required insurance coverage. At least thirty (30) days 20 prior to the expiration of each such policy, Tenant shall furnish Landlord with evidence satisfactory to Landlord of the payment of premium and the reissuance of a policy continuing insurance in force as required by this Agreement. All such policies, including policies for any amounts carried in excess of the required minimum and policies not specifically required by Landlord, shall be in form satisfactory to Landlord, shall be maintained in full force and effect, shall be assigned and delivered to Landlord, with premiums prepaid, as collateral security for payment of all obligations of Tenant secured hereby, and shall contain a provision that such policies will not be canceled or amended, without at least thirty (30) days prior written notice to Landlord and at no time shall there be any reduction in the scope or limits of coverage. If the insurance, or any part thereof, shall expire, or be withdrawn, or become void or any reason, or if for any reason whatever the insurance shall be unsatisfactory to Landlord, Tenant shall immediately upon learning of such expiration or termination place new insurance on the Demised Premises, satisfactory to Landlord. (b) In the event Tenant fails to provide, maintain, keep in force or deliver and furnish the Landlord the policies of insurance required hereunder, Landlord may procure such insurance or single-interest insurance for such risks covering Landlord's interest, and Tenant will pay all premiums thereon promptly upon demand by Landlord, and until such payment is made by Tenant the amount of all such premiums, together with interest thereon at the Default Rate shall be secured by the mortgage. 12.03 The Tenant, at his own cost and expense, shall insure it own fixtures, equipment and contents, (including, without limitation, any computer or telephone system or any generators or alternators used in connection therewith installed in the Demised Premises, it being expressly understood and agreed that the same is not the responsibility of the Landlord nor shall the Landlord be liable therefor. All polices and Certificates shall name the Landlord as an additional insured and loss payee and shall expressly provide that the interest of same therein shall not be affected by any breach by Tenant of any policy provision for which such Certificates evidence coverage. Further, all Certificates shall expressly provide that no less than thirty (30) days prior written notice shall be given to Landlord in the event of material alteration to, or cancellation of any of the coverages evidenced by such Certificates. The monetary limits and types of coverages stated herein shall not be construed as a limit of Tenant's liability. Every calendar year during the Term, Landlord shall have the right to review the insurance coverages required under this Article 12 and to require that Tenant reasonably increase the limits of Tenant's insurance coverage hereunder. If, on account of the failure of Tenant to comply with the foregoing provisions, Tenant is adjudged to be a coinsurer by its insurance carrier, then any loss or damage the Landlord shall sustain by reason thereof or payments made by Landlord's insurance carrier, shall be borne by Tenant and shall be immediately paid by Tenant upon receipt of a bill therefore and evidence of such loss or payment The Landlord makes no representation that the limits of liability specified to be carried by Tenant under the terms of this Lease are adequate to protect Tenant, and in the event Tenant believes 21 that any such insurance coverage called for under this Lease is insufficient, Tenant shall provide at its own expense, such additional insurance as Tenant deems adequate 22 ARTICLE 13 Right to Assign or Sublease 13.01 Landlord and Tenant acknowledge and agree that: A. Tenant may assign its interest in this Lease or sublet any portion of the Demised Premises without the prior written consent of the Landlord to any other financial institution. A financial institution shall not be deemed to include financial operations involving check cashing and/or payroll loans. B. Tenant shall not assign or sublet any portion of the Demised Premises to any other person or entity without the prior written consent of the Landlord, which consent as to a sublease only will not be unreasonably withheld or delayed. C. If Tenant's interest in this Lease is assigned, whether or not in violation of the provisions of this Lease, the Landlord may collect Rent from the assignee. If the Demised Premises or any part thereof are sublet to, or occupied by or used by any person other than Tenant, whether or not in violation of this Lease, the Landlord, after default by Tenant under this Lease and expiration of tenant's time, if any, to cure such default, may collect Rent from the subtenant, user or occupant. In either case, the Landlord shall apply the net amount collected to the rents reserved in this Lease, but neither any such assignment, subletting occupancy, nor use, nor any such collection or application shall be deemed a waiver of any term, covenant or condition of this Lease or the acceptance by the Landlord of such assignee, subtenant, occupancy or user as a tenant. The consent by the Landlord to any assignment, subletting, occupancy or use shall not relieve Tenant from its obligation to obtain the express prior written consent of the Landlord to any further assignment, subletting, occupancy or use. The listing of any name other than Tenants on any door of the Demised Premises, or on any directory, or on any elevator in the Building, or otherwise, shall not operate to vest in the party so name, any right or interest in this Lease in the Demised Premises or be deemed to constitute or serve as a substitute for any prior written consent of the Landlord requires under this Article, and it is understood that any such listing shall constitute a privilege extended by the Landlord which shall be revocable at either the Landlord's will by notice to Tenant. Tenant agrees to pay to the Landlord all reasonable counsel fees incurred by the Landlord in connection with any assignment of Tenant's interest in this Lease or any subletting of the Demised Premises or any part thereof. Neither any assignment of Tenant's interest in this Lease nor any subletting, occupancy or use of the Demised Premises or any part thereof by any person other than Tenant, nor any collection of Rent by the Landlord from any person other than Tenant as provided in this Paragraph C, nor any application of any such Rent as provided in this Paragraph C shall in any circumstances relieve Tenant of Tenant's obligation to fully observe and perform the terms, covenants and condition of this Lease on Tenant's part to be observed and performed. For the purposes of this Lease, (i) a takeover agreement shall not be deemed a transfer of this Lease, (ii) any person or legal representative of Tenant to whom Tenant's interest under this Lease passes by operation of law or otherwise, shall be deemed a transfer of this Lease, and (iii) a modification, amendment or extension without the Landlord's prior written consent shall be deemed a new sublease. Tenant agrees to furnish to Landlord upon demand at any time and from time to time such information and assurances as the Landlord may request that neither Tenant nor any subtenant shall have violated the provisions herein. 23 D. No permitted or consented to assignment or subletting shall be effective or valid for any purpose whatsoever unless and until a counterpart of the assignment or a counterpart or reproduced copy of the sublease shall have been first delivered to the Landlord and in the event of any assignment, Tenant shall deliver to the Landlord a written agreement executed and acknowledged by Tenant and such assignee in recordable form wherein such assignee shall assume joint and severally with tenant the due performance of this Lease notwithstanding any other or further assignment. E. Neither any assignment of Tenant's interest in this Lease nor any subletting, occupancy or use of the Demised Premises or any part thereof by any person other than Tenant shall, in any circumstances, relieve Tenant of its obligations to fully observe and perform the terms, covenants and conditions of this Lease on Tenant's part to be observed and performed. 24 ARTICLE 14 Non-Liability and Indemnification 14.01 Tenant agrees to defend, indemnify and hold harmless the Landlord against and from any and all loss, cost, liability, damage and expense, including but not limited to, penalties, fines, court costs, disbursements and attorney's fees incurred in connection with or arising from any cause in, on or about the premises, either present or future, including, but not limited to: (i) any failure by Tenant to observe or perform any of the obligations under this Lease; (ii) the use or occupancy or manner of use or occupancy of the Demised Premises and adjacent areas by Tenant or any person or entity claiming through or under Tenant (iii) any condition design or construction of the Demised Premises or the Building or any occurrence or happening in or on the Demised Premises from any cause; or (iv) any negligence, omission or misconduct whether prior to, during or after the Term of this Lease of Tenant or any person or entity claiming through or under Tenant or any contractor, agent, employee, invitee or licensee of Tenant in or about the Demised Premises or the Building; and (v) any maintenance, repairs, replacements, additions, alternations, substitutions and installments made by or for Tenant to the Demised Premises and the Building. In case any action or proceeding is brought against the Bank by reason of any such claim , tenant upon written notice from the Bank shall at Tenant's expense resist or defend such action or proceeding by reputable, competent counsel with respect to whom the Bank has no reasonable or just cause to request replacement. Tenant agrees that the obligation assumed herein shall survive the termination or earlier expiration of this Lease. 14.02 The Landlord shall defend indemnify and hold harmless Tenant its directors, officers, employees, agents, subsidiaries and affiliates against and from all losses, liabilities, obligation, damages, penalties, claims, costs, charges and expenses, including reasonable attorney's fees, which may be imposed upon or incurred by or asserted against Tenant and/or its directors, officers and subsidiaries by reason of any action or cause occurring in the Building, the Real Property or the Demised Premises by the negligent act, omission or willful misconduct of the Landlord, its agents, employees, contractors, tenants or licensees acting on behalf of Landlord. In case any action or proceeding is brought against Tenant's by reason of any such claim, the Landlord, upon written notice from Tenant, shall at the Landlord's expense resist or defend such action or proceeding by reputable, competent counsel with respect to whom Tenant has no reasonable or just cause to request replacement. The Landlord agrees that the obligation assumed herein shall survive the termination or earlier expiration of this Lease. 14.03 The Landlord or its agents shall not be liable for any injury or damage to persons or property resulting from fire, explosion, falling plaster, steam, gas, electricity, water, rain or snow or leaks from any part of the Building or from the pipes, appliances or plumbing works or from the roof, street or subsurface or from any other place or by dampness or by any other cause of whatsoever nature, unless any of the foregoing shall be caused by or due to the gross negligence of the Landlord, its agents, servants or employees. 14.04 Tenant shall reimburse the Landlord for all expenses, damages or fines incurred or suffered by the Landlord and for which the Landlord has not been and will not be reimbursed by insurance by reason of any breach, violation or nonperformance by Tenant or its agents, servants or employees, of any covenant or provision of this Lease or by reason of damage to persons or 25 property caused by moving property of or for Tenant in or out of the Building, or by the installation or removal of furniture or other property of or for Tenant or by reason of or arising out of the carelessness, negligence or improper conduct of Tenant or its agents, servants or employees in the use or occupancy of the Demised Premises. 14.05 Tenant shall give Landlord notice in case of fire or accident in the Demised Premises promptly after Tenant is aware of such event. 26 ARTICLE 16 Holdover 16.01. If Tenant or any approved assignee or sublessee shall continue to occupy the Demised Premises after the termination of this Lease without the prior written consent of the Landlord, Tenant, at the option of Landlord, shall be deemed to be occupying the Demised Premises as a tenant from month to month, at a monthly Rent equal to the then fair market rent, as solely determined by a broker of the Landlord's choosing plus all charges, costs, fees, expenses, claims and damages incurred by the Landlord as a result of Tenant's failure to surrender the Demised Premises upon termination of this Lease, subject to all of the other terms and conditions of this Lease insofar as the same are applicable to a month-to-month tenancy. Tenant hereby agrees to indemnify and hold harmless the Landlord against and from any and all liabilities, obligations, damages, claims, costs, charges and expenses, including but not limited to, penalties, fines, court costs and attorney's fees incurred in connection with or arising from any cause in connection with Tenant's occupation of the Demised Premises after the Termination Date or sooner termination of this Lease, including, but not limited to, any claims made by a succeeding tenant founded on such delay. Acceptance by the Landlord of Rent after such termination shall not constitute a renewal of this Lease or a consent to such occupancy, nor shall it waive the Landlord's right to re-entry or any other right contained herein. 16.02 Tenant's obligations under this Article shall survive the termination of this Lease. 28 ARTICLE 17 Quiet Enjoyment and Subordination 17.01. The Landlord covenants that if, and so long as, Tenant pays all of the Rent due hereunder, and keeps and performs each and every term and condition herein contained on the part and on behalf of Tenant to be kept and performed, Tenant shall lawfully, peaceably and quietly have, hold and enjoy the Demised Premises without hindrance, ejection or molestation by the Landlord or by any other person lawfully claiming the same. 17.02. This Lease is and shall be subject and subordinate to all ground or underlying leases which may now or hereafter affect the real property of which the Demised Premises form a part and to all mortgages which may now or hereafter affect such leases or such real property and to all renewals, modifications, replacements and extensions thereof. 29 ARTICLE 18 Quiet Enjoyment and Subordination 18.01. The Landlord covenants that if, and so long as, Tenant pays all of the Rent due hereunder, and keeps and performs each and every term and condition herein contained on the part and on behalf of Tenant to be kept and performed, Tenant shall lawfully, peaceably and quietly have, hold and enjoy the Demised Premises without hindrance, ejection or molestation by the Landlord or by any other person lawfully claiming the same. 18.02. This Lease is and shall be subject and subordinate to all ground or underlying leases which may now or hereafter affect the real property of which the Demised Premises form a part and to all mortgages which may now or hereafter affect such leases or such real property and to all renewals, modifications, replacements and extensions thereof. 30 ARTICLE 19 Brokerage 19.01 Tenant represents and warrants that it neither consulted nor negotiated with any broker or finder with regard to the rental of the Demised Premises from the Landlord. Tenant agrees to indemnify and hold the Landlord harmless from any damages, costs and expenses suffered by the Landlord by reason of any breach of the foregoing representation. The Landlord shall have not liability for brokerage commissions arising out of any sublease or assignments by Tenant and Tenant shall and does hereby indemnify the Landlord and hold the Landlord harmless from any and all liabilities for brokerage commissions arising out of any such sublease or assignment. 31 ARTICLE 20 Defaults, Remedies and Right to Cure 20.01 If either party shall default in the performance of any term or condition herein contained, the other party, without thereby waiving such default, may perform the same for the account and at the expense of the defaulting party without notice in case of emergency and in any other case if such default continues after five (5) days from the period to cure as set forth below by the giving of written notice of intention so to do. Bills for any reasonable and necessary expense incurred by either party for the account of the other and reasonable and necessary bills for all costs, expenses and disbursement, including (without being limited to) reasonable counsel fees, incurred in enforcing or endeavoring to enforce any rights under or in connection with this Lease or pursuant to law are payable by the defaulting party with fifteen (15) days of notice to defaulting party and if not paid when due, the amounts thereof shall immediately become due and payable together with interest thereon at the maximum rate permitted by law from the date the said bills should have been paid in accordance with their terms. 20.02 If at any time during the Term of this Lease any or all of the following events occur such shall constitute a default and breach of this Lease by Lessee: (a) the vacating or abandonment of the Demised Premises or the cessation of Tenant's business on the Demised Premises; (b) failure of Tenant in the payment of Rent and such failure shall continue for five (5) days after notice thereof from the Landlord; (c) failure of Tenant in the observation or performance of any of the covenants, conditions or provisions under this Lease other than that described in (b) above and if such default shall continue for five (5) days after notice thereof from the Landlord, specifying in what manner Tenant has defaulted; (d) the making by Tenant of any general assignment or general assignment for the benefit of creditors, or by the filing by or against Tenant of a petition to have Tenant adjudged bankrupt (except in an involuntary petition, as long as such petition is vacated or withdrawn within ninety (90) days after filing of such), or a petition or reorganization or arrangement under any law relating to bankruptcy or the appointment of a trustee or receiver to take possession of Tenant's assets by reason of the insolvency of Tenant (except where such receiver shall be appointed in an involuntary proceeding, as long as the receiver is withdrawn within ninety (90) days of his appointment) or attachment, execution or other judicial seizure of Tenant's assets or of Tenant's interest in this Lease; then the Landlord, as applicable, shall have the following remedies: (a) to cure and add such amounts required to cure the default, including any ancillary cost thereof, including, but not limited to, attorney's fees, disbursement and court costs, to additional rent; (b) seek damages pursuant to Article 22 herein; and (c) terminate this Lease by giving ten (10) days notice to terminate if the default is continuing and Tenant has failed to cure. 32 ARTICLE 21 Re-Entry by the Landlord 21.01 If this Lease shall expire or terminate prior to the Expiration Date due to a Tenant Default or as a result of a casualty or condemnation, the Landlord or the Landlord's agents and employees may, possess or repossess the Demised Premises either by summary dispossess proceedings, ejection or by any suitable action or proceeding at law, or by agreement. The words possess or repossess as herein used are not restricted to their technical legal meaning. In the event of any termination of this Lease, other than as permitted to Tenant under this Lease or of re-entry by summary dispossess proceedings, ejection or by any suitable action or proceeding at law or by agreement or otherwise by reason of default hereunder on the part of Tenant, Tenant shall thereupon pay to the Landlord the Rent due up to the time of such termination of this Lease or of such recovery of possession of the Demised Premises by the Landlord as the case may be. 21.02 In the event of any breach by Tenant of any of the term or condition contained in this Lease, the Landlord shall be entitled to enjoin such breach and shall have the right to invoke any right and remedy allowed at law or in equity or by statute or otherwise. 21.03 Each right and remedy of the Landlord provided for in this Lease shall be cumulative and shall be in addition to every other right or remedy provided for in this Lease or now or hereafter existing at law or in equity or by statute or otherwise and the exercise or beginning of the exercise by the Landlord of any one or more of the rights or remedies provided for in this Lease or now or hereafter existing at law or in equity or by statute or otherwise shall not preclude the simultaneous or later exercise by the Landlord of any or all other rights or remedies provided for in this Lease or now or hereafter existing at law or in equity or by statute or otherwise. 33 ARTICLE 22 Damages 22.01 If this Lease is terminated or if the Landlord shall re-enter the Demised Premises under the provisions of this Lease or in the event of re-entry by summary dispossess proceedings, ejection or by any suitable action or proceeding at law in each case, by reason of default hereunder on the part of Tenant, Tenant shall pay to the Landlord as damages, sums equal to the Rent (as above presumed) payable hereunder which would have been payable by Tenant had this Lease not so terminated or had the Landlord not so re-entered the Demised Premises, payable monthly but otherwise upon the terms therefore specified herein following such termination or such re-entry and until the expiration of the Term, provided, however, that the Landlord shall use its best efforts to relet the Demised Premises or any portion or portions thereof during said period at the then current fair market rental, the Landlord shall credit Tenant with the net rents received by the Landlord from such reletting, such net rents to be determined by first deducting from the gross rents and when received by the Landlord from such reletting the reasonable expenses incurred or paid by the Landlord in terminating this Lease or in re-entering the Demised Premises and in securing possession thereof, as well as the reasonable expenses of reletting, including altering and preparing the Demised Premises or any portion or portions thereof for new tenants, broker's commissions, advertising expenses, attorney's fees and all other reasonable expenses properly chargeable against the Demised Premises and the rental therefrom. If the Demised Premises or any part thereof should be relet in combination with other space then proper apportionment shall be made of the rent received from such reletting and of the expenses of reletting. 22.02 Suit or suits for the recovery of such damages, or any installments thereof, may be brought by the Landlord from time to time at its election and nothing contained herein shall be deemed to require the Landlord to postpone suit until the date that the Term would have expired if it had not been so terminated or had the Landlord not re-entered the Demised Premises. 22.03 Anything in this Lease to the contrary notwithstanding, if either party shall at any time be in default hereunder, and if the aggrieved party shall institute an action or summary proceeding against the defaulting party based upon such default, and it is reasonably prudent for the aggrieved party to contact counsel, then the defaulting party shall reimburse the aggrieved party if the aggrieved party is successful in its action for the reasonable expenses of attorney's fees and disbursements thereby incurred by the aggrieved party. 34 ARTICLE 23 Arbitration 23.01 The Landlord may at any time request arbitration and Tenant may at any time, when it is not in default in the payment of any Rent or additional rent, request arbitration if a dispute arises in connection with a provision of this Lease which is non-monetary in nature. Such dispute shall be resolved by arbitration in Stamford, Connecticut in accordance with the commercial arbitration rules of the American Arbitration Association and the provisions of this Lease by three (3) arbitrators each of whom shall have at least ten (10) years experience in the supervision, operation and management of major office or commercial buildings. 23.02 The party requesting arbitration shall do so by giving notice to that effect to the other party specifying the nature of the dispute. The cost, expenses and fees incurred by the prevailing party shall be paid by the non-prevailing party. Should there be no prevailing party, the arbitrators shall determine the apportionment of such costs, expenses and fees. The decision and award of the arbitrators shall be in writing, shall be final and conclusive on the parties and counterpart copies thereof shall be delivered to each of the parties. In rendering the decision and awards, the arbitrators shall not add to, subtract from or otherwise modify the provisions of this Lease. Judgment may be had on the decision and award of arbitrators so rendered in any court of competent jurisdiction. 35 ARTICLE 25 No Other Waivers or Modifications 25.01 The Landlord and Tenant mutually covenant and agree that the failure of the Landlord to declare any default immediately upon occurrence thereof, or delay in taking any action in connection therewith or acceptance of Rent after occurrence thereof, shall not waive such default but the Landlord shall have the right to declare any such default at any time and take such action as might be lawful or authorized, either in law or at equity. The receipt by the Landlord of rent from any assignee, sublessee or other occupant of the Demised Premises shall not be deemed a waiver of the terms of this Lease prohibiting such assignment or subleasing or any acceptance of such assignee, sublessee or other occupant or a release of Tenant from the further observance of all terms and covenants hereof. The failure of either party to insist (in any one or more instances) upon the strict performance of any one or more of the terms or conditions of this Lease or to exercise any right, remedy or election herein contained shall not be construed as a waiver or relinquishment for the future of the performance of such one or more obligations of this Lease or of the right to exercise such election but the same shall continue and remain in full force and effect with respect to any subsequent breach, act or omission. No agreement hereafter made between the Landlord and Tenant shall be effective to change, modify, waive, release, discharge, terminate or effect any abandonment of this Lease in whole or in part unless such agreement is in writing, refers expressly to this Lease and is signed by the party against whom enforcement of the change, modification, waiver, release, discharge or termination or effectuation of the abandonment is sought. 25.02 The following specific provision of this Section shall not be deemed to limit the generality of the foregoing provisions of this Article: (a) No agreement to accept a surrender of all or any part of the Demised Premises prior to the end of the Term shall be valid unless in writing in form acceptable to the Landlord. 37 ARTICLE 26 Estoppel Certificate 26.01 Tenant and Landlord agree, at any time and from time to time, during the Term, upon not less than thirty (30) days prior notice from the other, to execute, acknowledge and deliver to the other a statement in writing addressed to the other: (i) that this Lease is in full force and effect; (ii) that Tenant knows of no default hereunder on the part of the Landlord or if it has reason to believe that such a default exists, the nature thereof in reasonable detail; (iii) the amount of the Rent being paid and the last date to which Rent has been paid; (iv) that this Lease has not been modified, or if it has been modified, the terms and date of such modifications; (v) that the terms of this Lease has been commenced; (vi) the Commence and Expiration Dates; (vii) whether all work to be performed by the Landlord has been completed; (viii) whether the Renewal Term options, if any, has been exercised; (ix) whether there exist any claims or deductions from or defense to the payment of Rent; (x) stating whether or not the other has knowledge that the requesting party is in default in the performance of any term or condition contained in this Lease and if the other has knowledge of such default, specifying each such default; (xi) stating the address to which notice shall be sent; (xii) such other matters as may be reasonably requested by the requesting party. 26.02. If Tenant fails to execute and deliver to the Landlord a completed certificate as required under this Section, Tenant hereby appoints the Landlord as its attorney-in-fact to execute and deliver such certificate for and on behalf of Tenant. 38 ARTICLE 27 Landlord's Representation 27.01 As of the Commencement Date, to the knowledge of Landlord, there will be no material defects in the heating, ventilating, air conditioning, electrical, plumbing, elevator, telephone, mechanical and other building systems, exterior walls, roofs, windows and other structural elements of the premises, real property or the improvements located upon the demised premises. 27.02 Landlord has received all licenses, permits and authorizations (including, without limitation, occupancy permits) necessary to use, occupy and operate the premises for the purposes for which they are now used, occupied and operated, and such licenses, permits and authorizations are now in full force and effect and are fully transferable to the Tenant at no charge (except customary, minor filing fees or similar minor charges or costs). 39 ARTICLE 28 Recording of Lease 28.01 Tenant covenants and agrees that Tenant shall not record or permit to be recorded this Lease or any memorandum thereof without obtaining the Landlord's express prior written consent. 40 ARTICLE 29 No Other Representations, Construction, Governing Law 29.01 This Lease supersedes and revokes all previous negotiations, arrangements, letters of intent, offers to lease, lease proposals, brochures, "Representations" (meaning covenants, promises, assurances, agreements, representations, conditions, warranties, statements and understanding), and information conveyed, whether in writing, between the parties hereto or their respective representatives or any other persona purporting to represent the Landlord or Tenant. Tenant expressly acknowledges and agrees that the Landlord has not made and is not making, and Tenant, in executing and delivering this Lease, is not relying upon and has not been induced to enter into this Lease by any Representations except to the extent that the same are expressly set forth in this Lease or in any other written agreement which may be made and executed between the parties concurrently with the execution and delivery of this Lease and shall expressly refer to this Lease and not such Representations not so expressly herein set forth shall be used in the interpretation or construction of this Lease and the Landlord shall have no liability for any consequences arising as a result of any such Representations not so expressly herein set forth. This Lease contains the entire agreement between the parties and all prior negotiations and agreements are merged into this Lease. This Lease may not be changed, modified terminate or discharged, in whole or in part, nor any of its provisions waived except by a written instrument which (i) expressly refers to this Lease, and (ii) is executed by the party against whom enforcement of this change, modification, termination, discharge or waiver is sought. 29.01 If any of the provisions of this Lease, or the application thereof to any person or circumstances shall to any extent be invalid or unenforceable, the remainder of this Lease or the application of such provisions to persons or circumstances other than those as to whom or which it is held invalid or unenforceable shall not be affected thereby and every provision of this Lease shall be valid and enforceable to the fullest extent permitted by law. 29.02 The laws of the State of Connecticut applicable to contracts made and to be performed wholly within the State of Connecticut shall govern and control the validity, interpretation, construction, performance and enforcement of this Lease without giving effect to the principles of Conflict of Laws and shall apply to any dispute or controversies arising out of or pertaining to this Lease. 41 ARTICLE 30 Parties Bound 30.01 The obligations of this Lease shall bind and benefit the successors and assigns of the parties with the same effect as if mentioned in each instance where a party name referred to. However, the obligations of the Landlord under this Lease shall not be binding upon the Landlord herein named with respect to any period subsequent to the transfer of its interest in the Building as owner thereof and in the event of such transfer said obligations shall thereafter be binding upon each transferee of the interest of the Landlord herein named as such owner or lessor of the building but only with respect to obligations arising during the period commencing with such transfer and ending with a subsequent transfer within the meaning of this Article, and such transfer by accepting such interest shall be deemed to have assumed such obligations except only as may be expressed otherwise provided elsewhere in this Lease. 30.02 Delivery of this Lease to Tenant for execution shall not constitute a reservation of or option for the Demised Premises or an offer by the Landlord to lease the Demised Premises and this Lease shall not be binding and effective until executed by both parties hereto. 42 ARTICLE 31 Authority to Enter into Lease If Tenant is a corporation, each individual executing this Lease on behalf of the corporation represents and warrants that he is duly authorized to execute and deliver this Lease on behalf of the corporation, in accordance with a duly adopted resolution of the Board of Directors of said corporation or in accordance with the by-laws of said corporation, and that this Lease is binding on the corporation in accordance with its terms. If Tenant is a partnership, each individual executing this Lease on behalf of the partnership represents and warrants that he is duly authorized to execute and deliver this Lease on behalf of the partnership, in accordance with the partnership agreement and any statements of partnership or certificates of limited partnership of the partnership, and that this Lease is binding on the partnership in accordance with its terms. Tenant shall, within thirty (30) days of the execution of this Lease, deliver to Landlord: (a) if Tenant is a corporation, a certified copy of a resolution of the Board of Directors of the corporation; or (b) if Tenant is a partnership, a copy of the Statement of Partnership or Certificate of Limited Partnership of tenant; and (c) other evidence reasonably satisfactory to landlord authorizing or ratifying the execution of this Lease. 43 ARTICLE 32 Notices - Service of Process 32.01 Any notice, consent, approval, request, communications, bill, demand or statement provided for hereunder by either party to the other party shall be deemed to have been given upon receipt or refusal, when given writing and sent by United States mail, certified, return receipt requested or deemed to have been duly given upon receipt or refusal, if delivered personally by hand, established, reputable courier or overnight courier, addressed to such other party together with copies as shown below, which address for the Landlord shall be Warren Properties, Box 469114, Escondido, California 92046-9114, and for Tenant, shall be Union State Bank, 100 Dutch Hill Road, Orangeburg, New York 10962. Either party may at any time change the address for such notices, consents, approvals, request, copies, communications, bills, demands or statements (or copies thereof) by delivery or mailing as aforesaid to the other party a notice stating the changed address. 32.02 Whenever either party shall consist of more than one person or entity, any notice, statement, demand or other communication required or permitted and any payment to be made shall be deemed duly given or paid if addressed to or by (or in the case of payment by check to the order of) any one of such persons or entities who shall be designed from time to time as the authorized representative of such party. Such party shall promptly notify the other of the identity of such person or entity who is so to act on behalf of all persons and entities then comprising such party and of all changes in such identity. 32.03 Tenant shall give notice to the Landlord promptly after Tenant learns thereof, (i) of any accident in or about the Demised Premises or the Building, (ii) of all fires in the Demised Premises, and (iii) of all damages to or defects in the Demised Premises, including the fixtures, equipment and appurtenances thereof, for the repair of which the Landlord might be responsible or which constitutes the Landlord's property. 44 ARTICLE 33 Miscellaneous Provisions 33.01 The Article headings and captions or legends in this Lease prefixed to this Lease are inserted only as a matter of convenience or reference and are not to be given any effect whatsoever. 33.02 It is agreed and understood that any Exhibits and Schedules attached hereto form an integral part of this Lease and are hereby incorporated by reference. 33.03 The Landlord and its agents shall have the right to enter and/or pass through the Demised Premises: (a) to examine the Demised Premises and to show them to actual and prospective superior lessors, superior mortgagees or prospective purchasers, mortgagees or lessees of the Building; and (b) to make such repairs, alterations, additions and improvements in or to the Demised Premises and/or in or to the Building or its facilities and equipment as the Landlord is required or desires to make. The Landlord shall be allowed to take all materials into and upon the Demised Premises that may be required in connection therewith without any liability to Tenant and without any reduction of Tenant's covenants and obligations hereunder. 33.04 Tenant and its employees and agents shall faithfully observe and strictly comply with the rules and regulations as may be provided by Landlord and such reasonable changes therein (whether by modification, elimination or addition) as the Landlord hereafter may make and communicate in writing to Tenant which do not unreasonably affect the conduct of the permitted use of the Demised Premises (the "Rules and Regulations"). Tenant's rights to dispute the reasonableness of any changes in the Rules and Regulations shall be deemed waived unless asserted by notice to Landlord within thirty (30) days after the date upon which the Landlord shall have given notice to Tenant of the adoption of any such changes in which case such dispute shall be determined by arbitration pursuant to Article 23. In case of any conflict or inconsistency between the provisions of this Lease and any Rules and Regulations as originally promulgated or as changed, the provisions of this Lease shall control. The Landlord shall have no duty or obligation to enforce any Rules or Regulation or any term, covenant or condition of any other lease against any other tenant or occupant of the Building, and Landlord shall have no liability to Tenant for any violation of the same by any other tenant or occupant of the Building; however, if such rules and regulations shall be enforced, such rules and regulations shall be enforced uniformly and on a nondiscriminatory basis. 45 ARTICLE 34 Renewal Terms The term of this Lease may be extended, at the option of the Tenant, for three (3) additional periods of five (5) years (referred to herein as "Renewal Terms"). The option to renew shall be exercised by Tenant by written notice to the Landlord not more than twelve (12) months nor less than six (6) months prior to the expiration of the then existing term. Each renewal term shall be on the same terms, covenants and conditions set forth in this Lease provided, however, the annual rental for each renewal term shall be at fair market value determined as follows: (a) By mutual agreement of the Landlord and Tenant; or (b) In the event Landlord and Tenant are unable to agree on fair market value as of the date of the renewal, then, in such event, Landlord and Tenant shall respectively designate one appraiser/real estate professional, each having knowledge and experience in commercial leases in the Stamford, Connecticut area. The designated representatives of the Landlord and Tenant shall jointly designate a third appraiser/real estate professional. Such third person shall provide a written opinion as to the market value based upon an analysis of the market conditions as of the date set for renewal and such person's opinion as to the annual rental shall be final and binding on both the Landlord and the Tenant The annual rental shall be increased on the first date of each renewal term in accordance with the foregoing. IN WITNESS WHEREOF, the parties hereto have executed this Lease the day and year first above written. UNION STATE BANK, Tenant Landlord By:_________________________________ By:___________________________________ 46 LEASE AGREEMENT OF LEASE, made as of ___________, 2000, between 11 EAST 22ND STREET, L. L.C., (hereinafter the Landlord) having an office at Warren Properties. Box 469114, Escondido, California 92046-9114 and UNION STATE BANK, having its principal place of business located at 100 Dutch Hill Road, Orangeburg, New York 10961 (hereinafter the Tenant) ARTICLE 1 Definitions 1 1.01 The following terms shall have the meanings set forth opposite each of them: "Access" Tenant shall have unrestricted and unimpeded entry to the Demised Premises and Tenant shall have access to the Demised Premises 24 hours per day, 7 days per week. "Building": The building erected on the Real Property and located at 11 East 22nd Street, in the Borough of Manhattan, City of New York, State of New York. "Commencement Date" Such date as the Landlord shall deliver possession of the Demised Premises to Tenant and all regulatory approvals for a Banking branch have been obtained. "Demised Premises" The space(s) on the first (1st) floor of the Building consisting of 1,700 square feet and 1,600 square feet in the basement substantially as shown on the floor plan attached hereto as Exhibit "A". "Expiration Date" __________________,2005 or ending on an earlier or later date that this Lease may expire or be canceled or terminated or renewed pursuant to the terms of this Lease. "Annual Rent" The annual rent during the Initial Term shall be One Hundred Thousand ($100,000.00) Dollars. "Initial Term" A period of five (5) years beginning on the "Commencement Date." "Permitted Use" The Demised Premises shall be used for general banking operations, executive and clerical general offices 1 only and for no other purpose. "Real Property" Shall be the land upon which the building stands, the Building, and the land (and the improvements thereon, adjoining the Building) forming part of the same tax lot or lots as those of the land on which the Building stands and in which the demised premises are located. "Rent Year" The period commencing on the Commencement Date and ending with the day preceding the first anniversary of such Commencement Date. "Structural" Shall mean the parts of the Building which are integral to the structure of the Building, which includes: stairwells and towers; foundations; subflooring; column supports; load bearing walls; roofs; exterior walls above and/or below grade; fire escapes; and any building member integral to the support of the Building. "Tenant's Floor Space" The total number of rentable square feet of space in the Demised Premises is 3,300 square feet. "Renewal Term" The period beginning on the day after the first expiration date and ending at 11:59 p.m. on the Date which is five (5) years after commencement of the renewal term. 2 ARTICLE 2 Demised Premises 2.01 The Landlord hereby leases to Tenant and Tenant hereby hires from the Landlord the Demised Premises for the Term for the Rent hereinafter reserved and upon and subject to the conditions (including limitations restrictions and reservations) and covenants hereinafter provided. Each party hereto agrees to observe and perform all of the conditions and covenants herein contained on its part to be observed and performed. 2.02 The general location, size and layout of the Demised Premises are outlined on Exhibit "A". 2.03 Neither Landlord nor Tenant shall cause or allow any undue waste on the Demised Premises and shall comply with all applicable laws and ordinances respecting the use and occupancy of the Demised Premises relating to matters not specifically set forth in this lease. Tenant shall keep the Demised Premises free and clear of all liens and encumbrances. 2.04 It is expressly understood and agreed that the commencement of this Lease and the obligations of the Tenant hereunder are expressly subject to and conditioned upon Tenant obtaining all necessary regulatory approvals for the establishment of a full service banking branch at the location of the Demised Premises and is further subject to all of the terms and conditions set forth in a certain Asset Purchase Account Assumption Agreement by and between Tenant and La Jolla Bank dated May ,2000 which is incorporated herein by reference thereto. Tenant hereby agrees to diligently and in good faith make all required applications and take all action necessary to obtain said approvals and otherwise satisfy all terms and conditions of the Asset Purchase Account Assumption Agreement. In the event such approvals shall be denied, for any reason whatsoever or the Asset Purchase Account Assumption Agreement is terminated pursuant to the terms of said Agreement, for any reason, this Lease Agreement shall be at an end and neither party shall have any further obligation hereunder. 3 ARTICLE 3 Use 3.01 Tenant's use of the Demised Premises shall be limited to the Permitted Use. The Permitted Use of the Demised Premises for the purposes specified in Article 1 hereof shall not in any event be deemed to include and Tenant shall not suffer or permit the Demised Premises or any part thereof to be used in any manner, or do anything or suffer or permit anything to be brought into or kept therein any illegal, or ultra-hazardous activity, whether within or outside the scope of the business of Tenant or which would in any way (i) violate any laws, codes, statutes, or rules or requirements of public authorities, (ii) make void or voidable any fire or liability insurance policy in force upon the Commencement Date with respect to the Building, (iii) make unobtainable from reputable insurance companies authorized to do business in New York State at standard rates any fire insurance with extended coverage, or liability, elevator or boiler or other insurance required to be furnished by the Landlord under the terms of this Lease, (iv) discharge objectionable fumes, vapor or odors into the Building air conditioning system or into Building flues or vents not designated to receive them or otherwise in such manner as may unreasonably offend other occupants or (v) shall allow any animals or birds be brought in or kept in or about the Demised Premises or the Building, unless such animal is a "service" or "helping" animal accompanying, or in training to service a person with a "disability" as defined by the Americans with Disabilities Act of 1990 or a guide dog or hearing-aid dog. The Landlord shall not make any provisions for the supervision or care of such animals. 3.02 The Landlord hereby grants the Tenant the right to place banners, flags, balloons and similar promotional material on the exterior of the Demised Premises to advertise the opening of its Bank Office. Additionally, Landlord agrees that it will not unreasonably withhold its consent to place banners, flags, balloons and similar promotional material on the exterior of the demised premises at various time intervals for promotional purposes. 3.03 If any governmental license or permit, other than a certificate of occupancy or certificate of use, shall be required for the proper and lawful conduct of Tenant's business in the Demised Premises, or any part thereof, and if failure to secure such license or permit would in any way affect the Landlord, then Tenant, at its expense, shall duly procure and thereafter maintain such license or permit, but in no event shall failure to procure and maintain same by Tenant affect Tenant's obligations hereunder. Tenant shall not at any time use or occupy, or suffer or permit anyone to use or occupy the Demised Premises or do or permit anything to be done in the Demised Premises in violation of the certificate of occupancy for the Demised Premises or for the Building. 3.04 Tenant agrees to use, occupy, operate and maintain the Demised Premises throughout the term, as a dignified first-class, high quality establishment and in a manner which shall not detract from the character, appearance or dignity of the Building. Tenant shall have the right to install any exhibition, display (window or otherwise), or advertisement in or with respect to the Demised Premises or any part thereof, including any article, sign, poster or material. All window displays shall be kept neat, orderly and fresh in appearance. Tenant agrees not to (i) conduct or permit any fire, auction, going-out-of-business or bankruptcy sale in the Demised premises, (ii) engage in any unethical method of business operation, (iii) use or operate the Demised Premises as a so-called "discount house" or for "cut rate" or "discount" type of business, (iv) use or permit to be used the 4 sidewalks or other space outside the Demised Premises for the display, sale or similar undertaking or storage, (v) use or permit to be used any loudspeaker, phonograph or other sound system or advertising devise which may be heard outside the Demises Premises, or (vi) distribute or permit to be distributed handbills or other matter to customers outside the Demised Premises. Tenant, at its sole cost and expense, shall comply with and remain in compliance with all applicable laws, codes, statutes, rules or requirements of public authorities or changes in governmental policy, including, without limitation, the requirements of the Occupational, Safety and Health Act, as they apply to Tenant's use and occupancy of the Demised Premises. Tenant shall not place a load upon any floor of the Demised Premises which exceeds the floor load per square foot area which such floor was designed to carry. 3.05 Tenant acknowledges that the Landlord's damages resulting from any breach of the provisions of this Article are difficult, if not impossible, to ascertain and concedes that, among other remedies for such breach permitted by law or the provisions of this Lease, the Landlord shall be entitled to enjoin Tenant from any violation of said provisions. 5 ARTICLE 4 Rent 4.01 Whenever used in this Lease, the terms (insofar as it pertains to this Lease) "The annual rent", "minimum rent", "base rent" or "basic rent", shall mean Annual Rent; and whenever used in this Lease, the term (insofar as it pertain to this Lease) "rent", "rental", "Rent", or the plural of any of them, shall mean Annual Rent. 4.02 Tenant shall pay to the Landlord in lawful money of the United States of America, at the office of the Landlord as specified in the preamble hereof or at such other place as the Landlord may designate, the Annual Rent reserved under this Lease for each year of the Term, payable in equal monthly installments in advance and received by the first day of each and every calendar month during the Term. Tenant shall pay Rent as hereinafter defined, without notice, demand, deduction, abatement, set-off or counterclaim, at the office of the Landlord at the address indicated on the face of the Lease or at such other place or to such agent and at such place as the Landlord may designate from time to time. 4.03 The Annual Rent for each year of the Initial Term of this Lease shall be One Hundred Thousand and 00/100 ($100,000.00) Dollars payable in equal installments of Eight Thousand Three Hundred Thirty-Three and 33/100 ($8,333.33) Dollars per month commencing on the Commencement Date. 4.04 Tenant shall pay the Annual Rent promptly as and when the same shall become due and payable under this Lease. If the Commencement Date shall occur on a day other than the first day of the calendar month, the Rent shall be prorated for the period from the Commencement Date to the last day of the said calendar month and shall be due and payable on the Commencement Date. 4.05 Installments of rent shall be due and iavable on the 1st day of each and every month during the term of this Lease. If any installment of rent has not been paid within ten (10) days from the due date, Tenant agrees to pay a late fee in an amount equal to 5% of the monthly installment of rent. 6 ARTICLE 5 Repairs, Operating, Maintenance, Services and Utilities 5.01 Landlord shall maintain the Building and real property in which the Demised Premises are located and make repairs, restorations, and replacements to the Building and real property, including, without limitation, mechanical, electrical, and plumbing systems, structural roof, walls and foundations and the fixtures and appurtenances to the Demised Premises, snow and ice removal and landscaping all as and when needed to preserve them in good and safe working order and condition and regardless of whether the maintenance, repairs, restorations and replacements are ordinary or extraordinary, foreseeable or unforeseeable, capital or noncapital, and not the fault of Tenant, its agents, employees, invitees, visitors, or contractors. All repairs, restorations and replacements will be in quality and class equal to the original work or installations. If Landlord fails to maintain or to make repairs, restorations or replacements, Tenant may make them at the expense of Landlord and such expense will be paid or credited as rent to Tenant within fifteen (15) days after delivery of a statement for the expense. 5.02 Tenant shall pay directly all of the costs and expense with respect to its equipment, services and personnel for protection and security; alarm service; maintenance, repairs, replacements and improvements which are appropriate for the continued operation of the Demised Premises; rental (or depreciation) of equipment used in cleaning and maintenance; painting and decoration of the Demised Premises; fire, extended coverage, special extended coverage, owner's protective and other casualty coverage, public liability and umbrella liability and property damage, rent or rental value and plate glass insurance and any other insurance which the Tenant may deem necessary; supplies, wages, salaries, disability benefits, pensions, hospitalization, retirement plans, and group insurance and other indirect expenses respecting employees of the Tenant and the Tenant's contractors up to and including the grade of the Building. 5.03 Landlord Services and Utilities -- Landlord shall furnish to the premises water, plumbing and HVAC for the comfortable use and occupancy of the Premises and janitorial services for the common areas and shall keep lighted the common stairs, entries and restrooms in the Building at no cost to Tenant. 5.04 Tenant shall be reponsible for paying all charges in connection with electricity supplied to the Demised Premises which are sub-metered and will be billed directly to Tenant. 7 ARTICLE 6 Alterations 6.01 For the purposes of this Lease, the term "Alterations" shall include, but not be limited to any changes, work or improvements to the floors, walls and ceiling of the Demised Premises. 6.02 The Landlord's consent shall not be required for minor changes to the Demised Premises such as painting and installation of cabinets and shelves. All other renovations, additions, installations, improvement and/or alterations of any kind or nature in the Demised Premises (herein "Tenant's Changes") shall require the prior written consent of the Landlord thereto which, in the case of non-structural interior Tenant's Changes, the Landlord agrees not to unreasonably withhold, delay or defer. In granting its consent to any Tenant's Changes, the Landlord may impose such conditions (as to guarantee of completion, payment, restoration and otherwise) as the Landlord may reasonably require. The Landlord agrees to respond to Tenant's request for approval of Tenant's Changes within thirty (30) days after the Landlord's receipt of Tenant's written request for the Landlord's consent and all plans and other information reasonably required by the Landlord to evaluate Tenant's Changes. Tenant shall cause drawings and specifications to be prepared for, and shall cause to be performed, the construction of Tenant's Changes in accordance with all applicable laws, ordinances and regulations of all duly constituted authorities, including, without limitation, Title III of the Americans with Disabilities Act of 1990, all regulations issued thereunder and the Accessibility Guidelines for Buildings and Facilities issued pursuant thereto, as the same are in effect on the date hereof and may be hereafter modified, amended or supplemented. Any request by the Landlord for plans and other information required to evaluate Tenant's Changes shall not be unreasonably delayed. In no event shall the Landlord be required to consent to any Tenant's Change which would physically affect any part of the Building outside of the Demised Premises or would adversely affect the proper functioning of the mechanical, electrical, sanitary or other service systems of the Building. At any time Tenant requests the Landlord's written consent to any Tenant's Changes, Tenant shall deliver to the Landlord detailed plans and specifications therefor. Tenant shall pay to the Landlord any out of pocket expenses incurred by the Landlord in connection with the Landlord's submitting such plans and specifications, if it so chooses, to an architect or engineer selected by the Landlord for review or examination, an/or for supervision during performance of Tenant's Changes. The Landlord's approval of any plans or specifications does not relieve Tenant from the responsibility for the legal sufficiency and technical competency thereof. Tenant before commencement of any Tenant's Changes shall: 1. Obtain the necessary consents, permits, authorizations and licenses from all federal, state, city or municipal authorities having jurisdiction over such work; 2. Furnish to the Landlord a certificate or certificates of Worker's Compensation Insurance covering all persons who will perform Tenant's Changes for Tenant or any contractor, subcontractor or other person; 3. Furnish to the Landlord an original policy of public liability insurance (or certificate thereof) covering the Landlord in limits of not less than TWO MILLION ($1,000,000.00) dollars for injuries or damages to person and property, frbm a company approved by the Landlord. Such policy shall be maintained at all times during the progress of Tenant's 8 Changes and until completion thereof, and shall provide that no cancellation or material alteration shall be effective unless thirty (30) days prior written notice has been given to the Landlord. Tenant agrees to indemnify defend and save the Landlord harmless from and against any and all bills for labor performed and equipment, fixtures and materials furnished to Tenant and applicable sales taxes thereon as required by New York State and from and against any and all liens, bills or claims therefor or against all losses, damages, costs, expenses, suits and claims whatsoever in connection with Tenant's Changes. The cost of Tenant's Changes shall be paid for in cash or its equivalent, so that the Demises Premises and the Building shall at all times be free of liens for labor and materials supplied or claimed to have been supplied. Tenant, at its expense, shall cause Tenant's Changes consented to by the Landlord to be performed in compliance with all applicable requirements of insurance bodies having jurisdiction and in such manner as not to interfere with, delay or impose any additional expense upon the Landlord in the maintenance or operation of the Building and so as to maintain harmonious labor relations in the Building. 6.03 Landlord hereby consents to installation of ATM machines with or without twenty-four (24) hour public access which shall be installed by Tenant, at its sole cost and expense. Tenant shall make all required applications for approvals, as necessary, from regulatory agencies having jurisdiction as well as any approvals or permits necessary from the City of New York or any municipal agency having jurisdiction over same. In connection with the foregoing, Landlord shall cooperate with Tenant and shall execute such applications as may be necessary to permit filing of the requisite applications. Tenant shall submit plans and specifications for location and design of ATM installation for Landlord's approval which approval shall not be unreasonably withheld. 9 ARTICLE 7 Electricity 7.01 Tenant agrees not to connect any electrical equipment of any type to the building's electrical distribution system which shall exceed the capacity of any of the electrical conductors and equipment in or otherwise serving the Demised Premises or the Building. Tenant hereby acknowledges and agrees that Tenant shall not install or make any alterations to wiring, installations or other electrical facilities in or about the Demised Premises without the prior written consent of the Landlord. All additional risers, feeders, wiring or other equipment required by Tenant and consented thereto by the Landlord in its sole discretion, shall be installed by the Landlord and the cost thereof be paid by Tenant. 10 ARTICLES Signs 8.01 Tenant shall have the right to place its signs in, on and about the Demised Premises, provided the same are in compliance with law, are purchased and installed at the sole cost and expense of Tenant and are removed from the premises at or prior to the Expiration Date and the surfaces and areas restored to their original condition. Tenant shall be responsible for all required applications, fees and permits. The Landlord agrees to promptly execute and provide all requested documentation requested by Tenant for use in obtaining such applications and permits. It Tenant shall cause or permit any sign or other object to be placed on or affixed to any part of the Building not within the Demised Premises without Landlord's written permission, Landlord shall have the right, in addition to any other rights or remedies, without notice or liability to Tenant, to remove and dispose of any such sign or other object and to make any repairs necessitated by such removal, all at Tenant's sole cost and expense, and Landlord's cost and expense in performing such removal and repair shall be deemed additional rent payable with the next installment of Rent due hereunder. 11 ARTICLE 9 Services; Repairs 9.01 The Tenant shall cause the Demised Premises to be cleaned; including the exterior and the interior of the windows thereof to be cleaned and shall cause there to be supplied cleaning materials therefor. 9.02 Tenant shall be responsible for the operation of and all maintenance and repairs to: (i) all specifically installed items by Tenants, including but not limited to computers, equipment, uninterrupted power service equipment, generators and antennae or satellite dishes; and (ii) all Tenant service systems contained within or servicing the Demised Premises. 9.03 Tenant will pay the appropriate suppliers for all telephone and communications services used by Tenant on the premises during the term, whether or not such services are billed directly to Tenant. Tenant will also procure, or cause to be procured, without cost to Landlord, any and all necessary permits, licenses, or other authorizations required for the lawful and proper installation and maintenance upon the premises of wires, pipes, conduits, tubes, and other equipment and appliances for use in supplying any such service to and upon the premises. Landlord, upon request of Tenant, and at the sole expense and liability of Tenant, will join Tenant in any application required for obtaining or continuing any such service. 9.04 The Landlord reserves the right, without any liability to Tenant except as otherwise expressly provided in this Lease, and without being in breach of any covenant of this Lease, to stop, interrupt or suspend service of any of the heating, ventilating, air conditioning, electric, sanitary, elevator or other Building systems serving the Demised Premises, or the rendition of any other services required of the Landlord under this Lease, whenever and for so long as may be necessary, by reason of accidents, emergencies, the making of repairs or changes which the Landlord is permitted by this Lease or required to by law to make or in good faith deems advisable, or by reason of unavoidable delays, which for the purpose of this Article shall mean the temporary (not more than ten (10) business days) postponement of materials or services not within the Landlord's control. Whenever possible, the Landlord shall give Tenant 24 hours notice prior to making such repairs or changes. In each instance the Landlord shall exercise due diligence to eliminate the cause of stoppage or repetitive failure of a system or service and to effect restoration or service and shall give Tenant reasonable notice, whenever possible, of the commencement and anticipated duration of such stoppage. 9.05 If, by reason of any events beyond the Landlord's or Tenant's control, the Landlord or Tenant, as the case may be, shall be unable to fulfill its obligations under this Lease or shall be unable to supply any service which said party is obligated to supply, this Lease and Tenant's obligation to pay Rent hereunder shall in no way be affected, impaired or excused provided, however, that should such failure to provide service or to perform any other obligation under the Lease prohibit or prevent Tenant's use and occupancy of the Demised Premises for a period of thirty (30) days, Tenant may, at its option, terminate this Lease. As used herein "event beyond the Landlord's or Tenant's control" shall include, without limitation: acts of public enemy; governmental emergency, rule, order, regulation or action; war; restraining of government; unavailability of materials; labor unrest, strikes or troubles, civil riots; floods; hurricanes; tornadoes; 12 earthquakes or other acts of severe weather conditions; or acts of God. 13 ARTICLE 10 Landlord and Tenant's Responsibility Regarding Hazardous Substances 10.01 Landlord represents that to its knowledge: There has been no generation, processing, distribution, use, treatment, handling, storage, discharge, disposal, release, threatened release, or emission of any Hazardous Substance on or from the Building or Real Property by any person prior to the Closing Date; and, to Landlord's knowledge, no action has been taken and Landlord has not been notified that an event or condition has occurred or exists with respect to the Building or Real Property which constitutes a violation of any Environmental Laws. Landlord heretofore has delivered to Tenant copies of all written reports, correspondence, analytical data, notices or other materials, if any, in its possession pertaining to environmental surveys or assessments of the Building or Real Property and any improvements thereon, and any violation of Environmental Laws in, on, affecting, or otherwise involving the same. (1) Hazardous Substances. The term "Hazardous Substance", as used in this Lease, shall include, without limitation: "hazardous substances" or "toxic substances" as those terms are defined by the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA), 42 U.S.C. Section 8601, et seq., or the Hazardous Materials Transportation Act, 49 U.S.C. Section 1802 and "hazardous wastes," as that term is defined by the Resource Conservation and Recovery Act (RCRA), 42 U.S.C. Section 6902, et seq., all as amended to this date and as amended after this date; any pollutant, contaminant, or hazardous, dangerous, or toxic chemical, material, or substance within the meaning of any other applicable federal, state or local law, regulation, ordinance, or requirement (including consent decrees and administrative orders) relating to or imposing liability or standards of conduct concerning any hazardous, toxic, or dangerous substance or material, all as amended to this date or as amended after this date; flammables, explosives; radioactive materials, including any source, special nuclear, or by-product material as defined at 42 U.S.C. Section 2011, et seq., as amended to this date or as amended after this date; asbestos or substances or compounds containing asbestos; polychlorinated biphenyls (PCB's) or substances or compounds containing PCB's; chemical known to cause cancer or reproductive toxicity; pollutants; contaminants, and petroleum and petroleum products. (2) Landlord and Tenant's Restrictions. Neither Landlord nor Tenant shall cause or permit to occur: (a) Any violation of any federal, state, or local law, ordinance, or regulation now or hereafter enacted, related to environmental conditions on, under, or about the Demised Premises, or arising from Tenant's use of occupancy of the Demised Premises, including, but not limited to, soil and ground water conditions; or (b) The use, treatment, transportation, generation, release, manufacture, refining, production, processing, storage, or disposal or any Hazardous Substance on, under, or about the Demised Premises, or the transportation to or from the Demised Premises of any Hazardous Substance. (3) Environmental Clean-up. 14 (a) Landlord and Tenant will promptly notify each other, in writing, if Tenant has or acquires notice or knowledge that any Hazardous Substance has been or is threatened to be released, discharged, disposed of, transported, or stored on, in, under, or from the Demised Premises; and if any Hazardous Substance is found on the Demised Premises. Landlord and Tenant shall comply with all laws regulating the use, generation, storage, transportation, or disposal of Hazardous Substance, including but not limited to, the laws specified above ("Environmental Laws"). (b) Landlord and Tenant will immediately notify each other and provide copies upon receipt of all written complaints, claims, citations, demands, inquiries, reports, or notices relating to the condition of the Demised Premises (including the common areas or real property) or compliance with Environmental Laws. Tenant will promptly cure and have dismissed with prejudice any of those actions and proceedings to the satisfaction of the Landlord. Tenant will (except to the extent due to a condition that existed prior to Tenant's use or occupancy of the Demised Premises) keep the Demised Premises free of any lien imposed pursuant to any Environmental Laws. Landlord and Tenant shall make all submission to, provide all information required by, and comply with all requirements of all governmental authorities (the "Authorities") under the Environmental Laws. (c) Should any authority under the Environmental Law or any third party demand that a clean-up plan be prepared and that a clean-up be undertaken because of any deposit, spill, discharge, or other release of Hazardous Substance that occurs during the term of this Lease, in or from the Demised Premises (except to the extent due to a condition that existed prior to Tenant's use or occupancy of the Demised Premises) or which arises at any time from Tenant's use or occupancy of the Demised Premises; then Tenant shall, at Tenant's own expense, prepare and submit the required plans and all related bonds and their financial assurances, and Tenant shall carry out all such clean-ups plans. (d) Tenant shall promptly provide all information regarding the use, generation, storage, transportation, or disposal of Hazardous Substance that is requested by the Landlord or any authority under the Environmental Laws. The Landlord will have the right at all reasonable times and from time to time to conduct environmental audits of the Demised Premises, and Tenant will cooperate in the conduct of those audits. The audits will be conducted by a consultant of the Landlord's choosing, and if any Hazardous Substance is detected or if a violation of any of the warrantied, representations, or covenants contained in this Article is discovered, the fees and expenses of such consultant will be borne by Tenant and will be paid as additional Rent under this Lease on demand by the Landlord. (e) If Tenant fails to comply with any of the foregoing warranties, representations, and covenants, the Landlord may cause the removal or other cleanup acceptable to the Landlord) of any Hazardous Substance from the Demised Premises. Tenant shall cooperate with the Landlord in order to prepare all documents the Landlord deems necessary or appropriate to determine the applicability of the Environmental Laws to the Demised Premises and Tenant's use thereof, and for compliance therewith, and Tenant shall execute all documents promptly upon the Landlord's request or those of any authority under the Environmental Laws. The costs of Hazardous Substance removal and any other cleanup (including transportation and storage costs) will be 15 additional Rent under this Lease, only if a court has ordered the cleanup, and those costs will become due and payable on demand by the Landlord. Tenant will give the Landlord and the Landlord's Agents access to the Demised Premises to remove or otherwise clean up any Hazardous Substance. The Landlord, however, has no affirmative obligation to remove or otherwise clean up any Hazardous Substance, and this Lease will not be construed as creating any such obligation. No such action by the Landlord and no attempt made by the Lender to mitigate damages under any laws shall constitute a waiver of any of Tenant's obligation under this Article. (f) In addition to the indemnification provisions of Article 14 hereof, Tenant shall indemnify, defend (with counsel reasonably acceptable to the Landlord and at Tenant's sole cost), and hold the Landlord, and its officers, directors, beneficiaries, shareholders, partners, subsidiaries, agents, and employees free and harmless from and against all losses, liabilities, obligations, penalties, claims, litigation, demands, defenses, costs, judgments, suits, proceedings, damages (including consequential damages), disbursements, or expenses of any kind (including attorneys' and experts' fees and fees and expenses incurred in investigating, defending, or prosecuting and litigation, claim, or proceeding) that may at any time be imposed upon, incurred by, asserted or awarded against the Landlord (including attorneys' fees, consultants' fees and court costs) (except to the extent due to a condition that existed prior to Tenant's use of occupancy of the Demised Premises or if due to a condition created by Landlord or other Tenants in the Building) arising out of or in any way connected with: any deposit, spill, discharge, or other release or any Hazardous Substance that occurs during the term of this Lease, at or from the Demised Premised, or which arises at any time from Tenant's use or occupancy of the Demised Premises; or any violation or claim of violation by Tenant of any Environmental Laws; or the imposition of any lien for the recovery of any costs for environmental cleanup or other response costs relating to the release or threatened release of Hazardous Substance; or failure to provide all information, make all submission, and take all steps required by all authorities under the Environmental Laws and all environmental laws, or any misrepresentation, inaccuracy, or breach of any warranty, covenant, or agreement contained or referred to in this Article. This indemnification is the personal obligation of Tenant and will survive termination of this Lease. Tenant, its successors, and assigns waive, release, and agree not to make any claim or bring any cost recovery action against the Landlord under CERCLA, or any state equivalent to any similar law now existing or enacted after this date. To the extent that the Landlord is strictly liable under any such law, regulation, ordinance, or requirement, Tenant's obligation to the Landlord under this indemnity will also be without regard to fault on the part of Tenant with respect to the violation or condition that results in liability to the Landlord (except to the extent due to a condition that existed prior to Tenant's use or occupancy of the Demised Premises or if due to a condition created by Landlord or other Tenants in the Building). Notwithstanding anything herein to the contrary, the Tenant shall have 90 days from the date hereof to complete Phase I environmental assessments with respect to the demised premises. The cost and expense of the environmental assessments shall be paid by the Tenant. If the Tenant should determine pursuant to the results of such environmental assessments that (i) there has been any storage, discharge, disposal, release or emission of any Hazardous Substance in, on or from the Demised Premises and (ii) Tenant reasonably believes that it could become responsible for the remediation of such storage, discharge, disposal, release, threatened release or emission or become 16 liable for monetary damages (including without limitation any civil, criminal or administrative penalties or assessments) resulting therefrom, or if Tenant reasonably believes that such discharge, disposal, release, threatened release, emission or violation would have a material adverse effect on its ability to assign the Lease, then Tenant shall inform Landlord in writing with specificity within 90 days from the date hereof, and shall deliver to Landlord copies of all written reports, analytical data, correspondence, notices or other written material relating to or developed in connection with the environmental assessment of the property at issue. Upon receipt of notice, Landlord may, at its option and sole cost and expense, take necessary actions to correct the specific defect set forth in the notice. Upon completion of such corrective actions to the reasonable satisfaction of the Tenant, or Landlord's proving in a manner acceptable to Tenant that Tenant would not be responsible for remediation or be liable for monetary damages, including administrative, civil, or criminal penalty assessments or enforcement actions or administrative, judicial or special orders by consent (unless, in Tenant's reasonable opinion, the results of the environmental assessment would materially adversely affect the marketability, including, but not limited to, the resale or leasing of the Demised Premises, Tenant shall not be permitted to reject such Branch Office due to the results of the environmental assessment. For purposes of this Agreement "Hazardous Substance" shall mean any toxic or hazardous pollutants, chemicals, wastes or substances, including, without limitation, any hazardous substances under Section 101(14) of the Comprehensive Environmental Response, Compensation and Liability Act ("CERCLA"), 42 USC Section 9601(14), any pollutant or contaminant under Section 101(33) of CERCLA, 42 USC Section 9601(33), friable asbestos, polychlorinated biphenyls ("PCBs"), petroleum and petroleum products or urea formaldehyde 17 ARTICLE 11 Condemnation; Eminent Domain 11.01 In the event that the Real Property, Building or any part thereof, or the Demised Premises or any part thereof, shall be taken in condemnation proceedings or by the exercise of any right of eminent domain or by agreement between the Landlord on the one hand and any governmental authority authorized to exercise such right on the other hand, the Landlord shall be entitled to collect from any condemnor the entire award or awards that may be made in any such proceeding, excepting Tenant's personal property hereby vested in or owned by Tenant, to be paid out as in this Article provided. Nothing in this Article shall prevent Tenant from bringing a separate action or proceeding for compensation for any of Tenant's property or moving expenses. 11.02 At any time during the Term if title to a portion greater than twenty-five (25%) percent of the Real Property, the Building and/or Demised Premises shall be taken in condemnation proceedings or by the exercise of any right of eminent domain or by agreement between the Landlord on the one hand and any governmental authority authorized to exercise such right on the other hand, this Lease shall terminate and expire on the date of such taking and the Rent provided to be paid by Tenant shall be apportioned and paid to the date of such taking. 11.03 However, if less than twenty-five (25%) percent of the Real Property, Building and/or Demised Premises shall be so taken, this Lease nevertheless shall continue in full force and effect, except that Landlord or Tenant may elect to terminate this Lease if that portion of the Demised Premises then occupied by Tenant shall be reduced by more than twenty-five (25%) percent, or the Demised Premises shall become untenantable, by written notice of such election to the other party given not later than thirty (30) days after (i) notice of such taking is given by the condemning authority, or (ii) the date of such taking, whichever occurs later. Upon the giving of such notice this Lease shall terminate on the date of service of such notice and the Rent due and to become due shall be prorated and adjusted as of the date of the taking. If both parties fail to give notice upon such partial taking, and this Lease continues in force as to any part of the Demised Premises not taken, the Rent apportioned to the part taken shall be prorated and adjusted as of the date of the taking and from such date the Rent shall be reduced to the amount apportioned on the remainder of the Demised Premises, and the Tenant's Share shall be recomputed to reflect the number of square feet of Tenant's Floor Space remaining in the Demised Premises in relation to the number of square feet of Total Building Floor Space remaining in the Building. 11.04 Tenant shall not be entitled to any portion of any condemnation award or private purchase price. Tenant hereby expressly assigns to the Landlord all of its rights in and to every such award, compensation, damages, rights of action, proceeds or purchase price and agrees to execute and lend all documents required to facilitate collection thereof by the Landlord. Landlord shall be under no obligation to question the amount of any such award or compensation and may accept the same in the amount paid. Notwithstanding the foregoing provisions of this Article, Tenant shall be entitled to appear, claim, prove and receive in the proceeding relating to any taking mentioned in the preceding Sections of this Article, such portion of each award made therein as represents (a) Tenant's moving expenses, and (b) the then value of Tenant's personal property. (a) Nothing herein contained shall be deemed to excuse Tenant from repairing or 18 maintaining the Demised Premises as provided in this Lease or restoring all damage or destruction to the Demised Premises, regardless of whether or not there are proceeds available or whether any such Proceeds are sufficient in amount, and the application or release by Landlord of any Proceeds shall not cure or waive any default or notice of default under this Agreement or on validate any act done pursuant to such notice. (b) Any monies received as a condemnation award shall be paid over to Landlord to be applied at the option of Landlord for the restoration of the Improvements. (c) If at any time there shall occur a partial condemnation or partial taking, and if Landlord shall have decided in its sole discretion to permit Tenant to use any condemnation award for the restoration of the Demised Premises, then Tenant may use such proceeds to restore the Demised Premised provided that (i) the net proceeds are sufficient to restore the Demised Premises, or if such proceeds are insufficient in the opinion of Landlord on advice from its architect to restore the Demised Premises, Tenant shall have deposited with Landlord cash in an amount equal to the difference between the cost of such restoration and such proceeds, (ii) there shall exist no Event of Default, nor any event which, after notice or the passage of time would become an Event of Default, (iii) in the opinion of Landlord on advice from its architect the Demised Premises can be completely restore within 180 days from the occurrence of such partial condemnation or taking, or by the Expiration Date (as defined in the Note), whichever occurs first; and (iv) Landlord shall determine, based on advice from its architect, that the contemplated restoration of the Demised Premises shall, when completed, render the Demised Premises a complete, economically viable architectural unit of substantially the same usefulness, design and construction and fully functional for the same purposes and uses as existed prior to the condemnation. In the event such condemnation award is used to repair or restore the Demised Premises pursuant to this Section, Tenant shall obtain, at its sole cost and expense, an architect who shall submit plans to Landlord for the restoration of the Demised Premises indicating that such restoration of the Demised Premises indicating that such restoration can be completed within the period provided for herein, together with a budget itemizing the projected costs of such restoration. Said plans and budget are subject to the approval of Landlord. Tenant shall also obtain and post, at its sole cost and expense, all necessary Federal, State and local permits and approvals prior to the commencement of such restoration. Tenant agrees that condemnation awards to be used to restore the Demised Premises shall be held by Landlord and disbursed periodically: (i) on advice from Landlord's architect (who shall be employed by Landlord at Tenant's sole expense) that the work completed or materials installed conform to said budget and plans, as approved by Landlord; and (ii) upon presentment of receipted bills and releases satisfactory to Landlord. The expenses incurred by Landlord, including architects' and attorneys' fees, and all soft and hard costs in connection with such restoration, shall be paid by Tenant to the extent condemnation awards are insufficient to pay same. At no time shall Landlord be obligated to disburse any funds if the undisbursed balance is, in the opinion of Landlord based on advice from its architect, insufficient to timely complete the restoration of the Demised Premises free and clear of all liens. Tenant agrees to post such bonds, obtain such guaranteed maximum price general contract agreement and/or enter into such agreements and arrangements as Landlord may require to insure lien-free completion of such repairs or restoration by the end of the period provided herein for completion of such repairs or restoration. 19 ARTICLE 12 Insurance 12.01 Insurance Coverages. Tenant agrees to at all times, at it sole expense, provide, maintain and keep in force the following policies of insurance naming Landlord and Tenant as their interests may appear and such other parties as Landlord and Tenant may designate as additional insured, in the customary form in the Borough of Manhattan, State of New York, for premises and improvements of similar character, on premises and improvements. (a) Comprehensive public liability insurance (including coverage for elevators and escalators, if any, on the Demised Premises and, if any construction of new improvements occurs after execution of this Agreement, completed operations coverage for one year after construction of the Improvements has been completed) on an occurrence basis against claims for personal injury including, without limitation, bodily injury, death or property damage occurring on, in or about the Demised Premises and the adjoining streets, sidewalks and passageways, such insurance to afford immediate minimum protection to limits of not less than $24,000,000 or such greater amount as may be required by Landlord from time to time; (b) Worker's compensation insurance including employer's liability insurance for all employees of Tenant, if any, engaged on or with respect to the Demised Premises; (c) During the course of any demolition, construction, renovation or repair of the Building or other improvements on the Demised Premises, builder's completed value risk insurance against all risks of physical loss, including collapse and transit coverage, during construction of such improvements, with deductibles satisfactory to Landlord, in nonreporting form, in an amount acceptable to Landlord. Such policy of insurance shall contain the "permission to occupy upon completion of work or occupancy, endorsement and a waiver of coinsurance endorsement; (d) Rent loss and business interruption coverage, if applicable, either as a separate policy or as part of the casualty policy referred to in subsection (a) above; and (e) All policies of insurance relating to property required by terms of this Agreement shall contain a standard non-contributory negligence endorsement providing an agreement by the insurer that any loss shall be payable in accordance with the terms of such policy notwithstanding any act or negligence of Tenant which might otherwise result in forfeiture of such insurance and the further agreement of the insurer waiving all rights of set off, counterclaim or deductions against Tenant. 12.02 Miscellaneous Insurance Related Provisions. (a) All policies of insurance shall be issued by companies authorized to transact business in the State of New York (property liability) approved by Landlord and in amounts satisfactory to Landlord and all policies of property insurance shall have attached thereto the clause referred to in Section 12.01 above in favor of Landlord, not subject to contribution or co-insurance, all in form reasonably satisfactory to Landlord. Tenant shall furnish Landlord with a signed duplicate original policy with respect to all required insurance coverage. At least thirty (30) days 20 prior to the expiration of each such policy, Tenant shall furnish Landlord with evidence satisfactory to Landlord of the payment of premium and the reissuance of a policy continuing insurance in force as required by this Agreement. All such policies, including policies for any amounts carried in excess of the required minimum and policies not specifically required by Landlord, shall be in form satisfactory to Landlord, shall be maintained in full force and effect, shall be assigned and delivered to Landlord, with premiums prepaid, as collateral security for payment of all obligations of Tenant secured hereby, and shall contain a provision that such policies will not be canceled or amended, without at least thirty (30) days prior written notice to Landlord and at no time shall there be any reduction in the scope or limits of coverage. If the insurance, or any part thereof, shall expire, or be withdrawn, or become void or any reason, or if for any reason whatever the insurance shall be unsatisfactory to Landlord, Tenant shall immediately upon learning of such expiration or termination place new insurance on the Demised Premises, satisfactory to Landlord. (b) In the event Tenant fails to provide, maintain, keep in force or deliver and furnish the Landlord the policies of insurance required hereunder, Landlord may procure such insurance or single-interest insurance for such risks covering Landlord's interest, and Tenant will pay all premiums thereon promptly upon demand by Landlord, and until such payment is made by Tenant the amount of all such premiums, together with interest thereon at the Default Rate shall be secured by the mortgage. 12.03 The Tenant, at his own cost and expense, shall insure it own fixtures, equipment and contents, (including, without limitation, any computer or telephone system or any generators or alternators used in connection therewith installed in the Demised Premises, it being expressly understood and agreed that the same is not the responsibility of the Landlord nor shall the Landlord be liable therefor. All polices and Certificates shall name the Landlord as an additional insured and loss payee and shall expressly provide that the interest of same therein shall not be affected by any breach by, Tenant of any policy provision for which such Certificates evidence coverage. Further, all Certificates shall expressly provide that no less than thirty (30) days prior written notice shall be given to Landlord in the event of material alteration to, or cancellation of any of the coverages evidenced by such Certificates. The monetary limits and types of coverages stated herein shall not be construed as a limit of Tenant's liability. Every calendar year during the Term, Landlord shall have the right to review the insurance coverages required under this Article 12 and to require that Tenant reasonably increase the limits of Tenant's insurance coverage hereunder. If, on account of the failure of Tenant to comply with the foregoing provisions, Tenant is adjudged to be a coinsurer by its insurance carrier, then any loss or damage the Landlord shall sustain by reason thereof or payments made by Landlord's insurance carrier, shall be borne by Tenant and shall be immediately paid by Tenant upon receipt of a bill therefore and evidence of such loss or payment The Landlord makes no representation that the limits of liability specified to be carried by Tenant under the terms of this Lease are adequate to protect Tenant, and in the event Tenant believes 21 that any such insurance coverage called for under this Lease is insufficient, Tenant shall provide at its own expense, such additional insurance as Tenant deems adequate 22 ARTICLE 13 Right to Assign or Sublease 13.01 Landlord and Tenant acknowledge and agree that: A. Tenant may assign its interest in this Lease or sublet any portion of the Demised Premises without the prior written consent of the Landlord to any other financial institution. A financial institution shall not be deemed to include financial operations involving check cashing and/or payroll loans. B. Tenant shall not assign or sublet any portion of the Demised Premises to any other person or entity without the prior written consent of the Landlord, which consent as to a sublease only will not be unreasonably withheld or delayed. C. If Tenant's interest in this Lease is assigned, whether or not in violation of the provisions of this Lease, the Landlord may collect Rent from the assignee. If the Demised Premises or any part thereof are sublet to, or occupied by or used by any person other than Tenant, whether or not in violation of this Lease, the Landlord, after default by Tenant under this Lease and expiration of Tenant's time, if any, to cure such default, may collect Rent from the subtenant, user or occupant. In either case, the Landlord shall apply the net amount collected to the rents reserved in this Lease, but neither any such assignment, subletting occupancy, nor use, nor any such collection or application shall be deemed a waiver of any term, covenant or condition of this Lease or the acceptance by the Landlord of such assignee, subtenant, occupancy or user as a tenant. The consent by the Landlord to any assignment, subletting, occupancy or use shall not relieve Tenant from its obligation to obtain the express prior written consent of the Landlord to any further assignment, subletting, occupancy or use. The listing of any name other than Tenants on any door of the Demised Premises, or on any directory, or on any elevator in the Building, or otherwise, shall not operate to vest in the party so name, any right or interest in this Lease in the Demised Premises or be deemed to constitute or serve as a substitute for any prior written consent of the Landlord requires under this Article, and it is understood that any such listing shall constitute a privilege extended by the Landlord which shall be revocable at either the Landlord's will by notice to Tenant. Tenant agrees to pay to the Landlord all reasonable counsel fees incurred by the Landlord in connection with any assignment of Tenant's interest in this Lease or any subletting of the Demised Premises or any part thereof. Neither any assignment of Tenant's interest in this Lease nor any subletting, occupancy or use of the Demised Premises or any part thereof by any person other than Tenant, nor any collection of Rent by the Landlord from any person other than Tenant as provided in this Paragraph C, nor any application of any such Rent as provided in this Paragraph C shall in any circumstances relieve Tenant of Tenant's obligation to fully observe and perform the terms, covenants and condition of this Lease on Tenant's part to be observed and performed. For the purposes of this Lease, (i) a takeover agreement shall not be deemed a transfer of this Lease, (ii) any person or legal representative of Tenant to whom Tenant's interest under this Lease passes by operation of law or otherwise, shall be deemed a transfer of this Lease, and (iii) a modification, amendment or extension without the Landlord's prior written consent shall be deemed a new sublease. Tenant agrees to furnish to Landlord upon demand at any time and from time to time such information and assurances as the Landlord may request that neither Tenant nor any subtenant shall have violated the provisions herein. 23 D. No permitted or consented to assignment or subletting shall be effective or valid for any purpose whatsoever unless and until a counterpart of the assignment or a counterpart or reproduced copy of the sublease shall have been first delivered to the Landlord and in the event of any assignment, Tenant shall deliver to the Landlord a written agreement executed and acknowledged by Tenant and such assignee in recordable form wherein such assignee shall assume joint and severally with tenant the due performance of this Lease notwithstanding any other or further assignment. E. Neither any assignment of Tenant's interest in this Lease nor any subletting, occupancy or use of the Demised Premises or any part thereof by any person other than Tenant shall, in any circumstances, relieve Tenant of its obligations to fully observe and perform the terms, covenants and conditions of this Lease on Tenant's part to be observed and performed. 24 ARTICLE 14 Non-Liability and Indemnification 14.01 Tenant agrees to defend, indemnify and hold harmless the Landlord against and from any and all loss, cost, liability, damage and expense, including but not limited to, penalties, fines, court costs, disbursements and attorney's fees incurred in connection with or arising from any cause in, on or about the premises, either present or future, including, but not limited to: (i) any failure by Tenant to observe or perform any of the obligations under this Lease; (ii) the use or occupancy or manner of use or occupancy of the Demised Premises and adjacent areas by Tenant's or any person or entity claiming through or under Tenant (iii) any condition design or construction of the Demised Premises or the Building or any occurrence or happening in or on the Demised Premises from any cause; or (iv) any negligence, omission or misconduct whether prior to, during or after the Term of this Lease of Tenant or any person or entity claiming through or under Tenant or any contractor, agent, employee, invitee or licensee of Tenant in or about the Demised Premises or the Building; and (v) any maintenance, repairs, replacements, additions, alternations, substitutions and installments made by or for Tenant to the Demised Premises and the Building. In case any action or proceeding is brought against the Bank by reason of any such claim, tenant upon written notice from the Bank shall at Tenant's expense resist or defend such action or proceeding by reputable, competent counsel with respect to whom the Bank has no reasonable or just cause to request replacement. Tenant agrees that the obligation assumed herein shall survive the termination or earlier expiration of this Lease. 14.02 The Landlord shall defend indemnify and hold harmless Tenant its directors, officers, employees, agents, subsidiaries and affiliates against and from all losses, liabilities, obligation, damages, penalties, claims, costs, charges and expenses, including reasonable attorney's fees, which may be imposed upon or incurred by or asserted against Tenant and/or its directors, officers and subsidiaries by reason of any action or cause occurring in the Building, the Real Property or the Demised Premises by the negligent act, omission or willful misconduct of the Landlord, its agents, employees, contractors, tenants and/or licensees acting on behalf of Landlord. In case any action or proceeding is brought against Tenant's by reason of any such claim, the Landlord, upon written notice from Tenant, shall at the Landlord's expense resist or defend such action or proceeding by reputable, competent counsel with respect to whom Tenant has no reasonable or just cause to request replacement. The Landlord agrees that the obligation assumed herein shall survive the termination or earlier expiration of this Lease. 14.03 The Landlord or its agents shall not be liable for any injury or damage to persons or property resulting from fire, explosion, falling plaster, steam, gas, electricity, water, rain or snow or leaks from any part of the Building or from the pipes, appliances or plumbing works or from the roof, street or subsurface or from any other place or by dampness or by any other cause of whatsoever nature, unless any of the foregoing shall be caused by or due to the gross negligence of the Landlord, its agents, servants or employees. 14.04 Tenant shall reimburse the Landlord for all expenses, damages or fines incurred or suffered by the Landlord by reason of any breach, violation or nonperformance by Tenant or its agents, servants or employees, of any covenant or provision of this Lease or by reason of damage to persons or 25 property caused by moving property of or for Tenant's in or out of the Building, or by the installation or removal of furniture or other property of or for Tenant or by reason of or arising out of the carelessness, negligence or improper conduct of Tenant or its agents, servants or employees in the use or occupancy of the Demised Premises. 14.05 Tenant shall give Landlord notice in case of fire or accident in the Demised Premises promptly after Tenant is aware of such event. 26 ARTICLE 15 Surrender of Premises 15.01 At the expiration of the Term, Tenant shall surrender and deliver up to the Landlord the Demised Premises broom-clean, together with all Alterations or improvements which are required to remain pursuant to Article 8 herein in good repair and good order and safe condition except for reasonable wear and tear and damage by fire, other casualty or the elements excepted. At or before the Expiration Date, Tenant, at its sole cost and expense, shall remove from the Demised Premises all of the Tenant's personal property and Tenant shall repair any damage to the Demised Premises or the Building resulting from any installation or removal of such. 15.02 The voluntary or other surrender of this Lease by Tenant, or a mutual cancellation of this Lease or the termination of this Lease by the Landlord pursuant to any provision contained in this Lease shall not work a merger but, at the option of the Landlord, shall either terminate any and all existing subleases or subtenancies under this Lease or operate as an assignment of the Landlord of any or all of such subleases or subtenancies. 15.03 If the date of termination of this Lease shall fall on a Sunday or a holiday, then Tenant's obligations under Section 15.01 shall be performed on or prior to the Saturday or business day immediately preceding such Sunday or Holiday. 15.04 Any of Tenant's Property or other personal property (other than money, securities, documents or other valuables) which shall remain in the Demised Premises after the termination of this Lease shall be deemed to have been abandoned and either may be retained by Landlord as its property or may be disposed of in such manner as Landlord may see fit, without accountability, provided, however, that notwithstanding the foregoing, Tenant will, upon request of Landlord made not later than thirty (30) days after the date of termination of this Lease, promptly remove from the Demised Premises any Tenant's Property or other personal property at Tenant's own expense. If such Tenant's property is abandoned or any part thereof shall be sold by Landlord, Landlord may receive and retain the proceeds of such sale and apply the same, at its option, against the expenses of the sale, cost of moving and storage, any arrears of Rent or additional rent and damages to which Landlord may be entitled hereunder or pursuant to law. Any excess proceeds shall be the property of Landlord. Any expense incurred by Landlord in removing or disposing of such Tenant's Property or other personal property shall be reimbursed to Landlord by Tenant on demand. 15.05 Tenant's obligations under this Article shall survive the termination of this Lease. 27 ARTICLE 16 Holdover 16.01. If Tenant or any approved assignee or sublessee shall continue to occupy the Demised Premises after the termination of this Lease without the prior written consent of the Landlord, Tenant, at the option of Landlord, shall be deemed to be occupying the Demised Premises as a tenant from month to month, at a monthly Rent equal to the then fair market rent, as solely determined by a broker of the Landlord's choosing plus all charges, costs, fees, expenses, claims and damages incurred by the Landlord as a result of Tenant's failure to surrender the Demised Premises upon termination of this Lease, subject to all of the other terms and conditions of this Lease insofar as the same are applicable to a month-to-month tenancy. Tenant hereby agrees to indemnify and hold harmless the Landlord against and from any and all liabilities, obligations, damages, claims, costs, charges and expenses, including but not limited to, penalties, fines, court costs and attorney's fees incurred in connection with or arising from any cause in connection with Tenant's occupation of the Demised Premises after the Termination Date or sooner termination of this Lease, including, but not limited to, any claims made by a succeeding tenant founded on such delay. Acceptance by the Landlord of Rent after such termination shall not constitute a renewal of this Lease or a consent to such occupancy, nor shall it waive the Landlord's right to re-entry or any other right contained herein. 16.02 Tenant's obligations under this Article shall survive the termination of this Lease. 28 ARTICLE 17 Quiet Enjoyment and Subordination 17.01. The Landlord covenants that if, and so long as, Tenant pays all of the Rent due hereunder, and keeps and performs each and every term and condition herein contained on the part and on behalf of Tenant to be kept and performed, Tenant shall lawfully, peaceably and quietly have, hold and enjoy the Demised Premises without hindrance, ejection or molestation by the Landlord or by any other person lawfully claiming the same. 17.02. This Lease is and shall be subject and subordinate to all ground or underlying leases which may now or hereafter affect the real property of which the Demised Premises form a part and to all mortgages which may now or hereafter affect such leases or such real property and to all renewals, modifications, replacements and extensions thereof. 29 ARTICLE 18 Brokerage 18.01 Tenant represents and warrants that it neither consulted nor negotiated with any broker or finder with regard to the rental of the Demised Premises from the Landlord. Tenant agrees to indemnify and hold the Landlord harmless from any damages, costs and expenses suffered by the Landlord by reason of any breach of the foregoing representation. The Landlord shall have not liability for brokerage commissions arising out of any sublease or assignments by Tenant and Tenant shall and does hereby indemnify the Landlord and hold the Landlord harmless from any and all liabilities for brokerage commissions arising out of any such sublease or assignment. 30 ARTICLE 19 Defaults, Remedies and Right to Cure 19.01 If either party shall default in the performance of any term or condition herein contained, the other party, without thereby waiving such default, may perform the same for the account and at the expense of the defaulting party without notice in case of emergency and in any other case if such default continues after five (5) days from the period to cure as set forth below by the giving of written notice of intention so to do. Bills for any reasonable and necessary expense incurred by either party for the account of the other and reasonable and necessary bills for all costs, expenses and disbursement, including (without being limited to) reasonable counsel fees, incurred in enforcing or endeavoring to enforce any rights under or in connection with this Lease or pursuant to law are payable by the defaulting party with fifteen (15) days of notice to defaulting party and if not paid when due, the amounts thereof shall immediately become due and payable together with interest thereon at the maximum rate permitted by law from the date the said bills should have been paid in accordance with their terms. 19.02 If at any time during the Term of this Lease any or all of the following events occur such shall constitute a default and breach of this Lease by Lessee: (a) the vacating or abandonment of the Demised Premises or the cessation of Tenant's business on the Demised Premises; (b) failure of Tenant in the payment of Rent and such failure shall continue for five (5) days after notice thereof from the Landlord; (c) failure of Tenant in the observation or performance of any of the covenants, conditions or provisions under this Lease other than that described in (b) above and if such default shall continue for five (5) days after notice thereof from the Landlord, specifying in what manner Tenant has defaulted; (d) the making by Tenant of any general assignment or general assignment for the benefit of creditors, or by the filing by or against Tenant of a petition to have Tenant adjudged bankrupt (except in an involuntary petition, as long as such petition is vacated or withdrawn within ninety (90) days after filing of such), or a petition or reorganization or arrangement under any law relating to bankruptcy or the appointment of a trustee or receiver to take possession of Tenant's assets by reason of the insolvency of Tenant (except where such receiver shall be appointed in an involuntary proceeding, as long as the receiver is withdrawn within ninety (90) days of his appointment) or attachment, execution or other judicial seizure of Tenant's assets or of Tenant's interest in this Lease; then the Landlord, as applicable, shall have the following remedies: (a) to cure and add such amounts required to cure the default, including any ancillary cost thereof, including, but not limited to, attorney's fees, disbursement and court costs, to additional rent; (b) seek damages pursuant to Article 21 herein; and (c) terminate this Lease by giving ten (10) days notice to terminate if the default is continuing and Tenant has failed to cure. 31 ARTICLE 20 Re-Entry by the Landlord 20.01 If this Lease shall expire or terminate prior to the Expiration Date due to a Tenant Default or as a result of a casualty or condemnation, the Landlord or the Landlord's agents and employees may, possess or repossess the Demised Premises either by summary dispossess proceedings, ejection or by any suitable action or proceeding at law, or by agreement. The words possess or repossess as herein used are not restricted to their technical legal meaning. In the event of any termination of this Lease, other than as permitted to Tenant under this Lease or of re-entry by summary dispossess proceedings, ejection or by any suitable action or proceeding at law or by agreement or otherwise by reason of default hereunder on the part of Tenant, Tenant shall thereupon pay to the Landlord the Rent due up to the time of such termination of this Lease or of such recovery of possession of the Demised Premises by the Landlord as the case may be. 20.02 In the event of any breach by Tenant of any of the term or condition contained in this Lease, the Landlord shall be entitled to enjoin such breach and shall have the right to invoke any right and remedy allowed at law or in equity or by statute or otherwise. 20.03 Each right and remedy of the Landlord provided for in this Lease shall be cumulative and shall be in addition to every other right or remedy provided for in this Lease or now or hereafter existing at law or in equity or by statute or otherwise and the exercise or beginning of the exercise by the Landlord of any one or more of the rights or remedies provided for in this Lease or now or hereafter existing at law or in equity or by statute or otherwise shall not preclude the simultaneous or later exercise by the Landlord of any or all other rights or remedies provided for in this Lease or now or hereafter existing at law or in equity or by statute or otherwise. 32 ARTICLE 21 Damages 21.01 If this Lease is terminated or if the Landlord shall re-enter the Demised Premises under the provisions of this Lease or in the event of re-entry by summary dispossess proceedings, ejection or by any suitable action or proceeding at law in each case, by reason of default hereunder on the part of Tenant, Tenant shall pay to the Landlord as damages, sums equal to the Rent (as above presumed) payable hereunder which would have been payable by Tenant had this Lease not so terminated or had the Landlord not so re-entered the Demised Premises, payable monthly but otherwise upon the terms therefore specified herein following such termination or such re-entry and until the expiration of the Term, provided, however, that the Landlord shall use its best efforts to relet the Demised Premises or any portion or portions thereof during said period at the then current fair market rental, the Landlord shall credit Tenant with the net rents received by the Landlord from such reletting, such net rents to be determined by first deducting from the gross rents and when received by the Landlord from such reletting the reasonable expenses incurred or paid by the Landlord in terminating this Lease or in re-entering the Demised Premises and in securing possession thereof, as well as the reasonable expenses of reletting, including altering and preparing the Demised Premises or any portion or portions thereof for new tenants, broker's commissions, advertising expenses, attorney's fees and all other reasonable expenses properly chargeable against the Demised Premises and the rental therefrom. If the Demised Premises or any part thereof should be relet in combination with other space then proper apportionment shall be made of the rent received from such reletting and of the expenses of reletting. 21.02 Suit or suits for the recovery of such damages, or any installments thereof, may be brought by the Landlord from time to time at its election and nothing contained herein shall be deemed to require the Landlord to postpone suit until the date that the Term would have expired if it had not been so terminated or had the Landlord not re-entered the Demised Premises. 21.03 Anything in this Lease to the contrary notwithstanding, if either party shall at any time be in default hereunder, and if the aggrieved party shall institute an action or summary proceeding against the defaulting party based upon such default, and it is reasonably prudent for the aggrieved party to contact counsel, then the defaulting party shall reimburse the aggrieved party if the aggrieved party is successful in its action for the reasonable expenses of attorney's fees and disbursements thereby incurred by the aggrieved party. 33 ARTICLE 22 Arbitration 22.01 The Landlord may at any time request arbitration and Tenant may at any time, when it is not in default in the payment of any Rent or additional rent, request arbitration if a dispute arises in connection with a provision of this Lease which is non-monetary in nature. Such dispute shall be resolved by arbitration in New York, New York in accordance with the commercial arbitration rules of the American Arbitration Association and the provisions of this Lease by three (3) arbitrators each of whom shall have at least ten (10) years experience in the supervision, operation and management of major office or commercial buildings. 22.02 The party requesting arbitration shall do so by giving notice to that effect to the other party specifying the nature of the dispute. The cost, expenses and fees incurred by the prevailing party shall be paid by the non-prevailing party. Should there be no prevailing party, the arbitrators shall determine the apportionment of such costs, expenses and fees. The decision and award of the arbitrators shall be in writing, shall be final and conclusive on the parties and counterpart copies thereof shall be delivered to each of the parties. In rendering the decision and awards, the arbitrators shall not add to, subtract from or otherwise modify the provisions of this Lease. Judgment may be had on the decision and award of arbitrators so rendered in any court of competent jurisdiction. 34 ARTICLE 23 Waivers 23.01 Waiver of Jury Trial. The Landlord and Tenant waive the right to a trial by jury in any action, counterclaim, proceeding or litigation arising out of, under or in connection with or related to the subject matter of this Lease. This waiver is knowingly, intentionally and voluntarily made by Tenant and Tenant acknowledges that neither the Landlord nor any person acting on behalf of Landlord has made any representations of fact to induce this waiver of trial by jury or in any way to modify or nullify its effect. Tenant further acknowledges that it has been represented (or has had the opportunity to be presented) in the signing of this Lease and in the making of this waiver by independent legal counsel, selected of its own free will and that it has had the opportunity to discuss this waiver with counsel. Tenant further acknowledges that it has read and understands the meaning and ramifications of this waiver provision. 23.02 Except as specifically other may be provided under this Lease, each of the parties shall be entitled in addition to the rights and remedies provided herein to those provided by law. 35 ARTICLE 24 No Other Waivers or Modifications 24.01 The Landlord and Tenant mutually covenant and agree that the failure of the Landlord to declare any default immediately upon occurrence thereof, or delay in taking any action in connection therewith or acceptance of Rent after occurrence thereof, shall not waive such default but the Landlord shall have the right to declare any such default at any time and take such action as might be lawful or authorized, either in law or at equity. The receipt by the Landlord of rent from any assignee, sublessee or other occupant of the Demised Premises shall not be deemed a waiver of the terms of this Lease prohibiting such assignment or subleasing or any acceptance of such assignee, sublessee or other occupant or a release of Tenant from the further observance of all terms and covenants hereof The failure of either party to insist (in any one or more instances) upon the strict performance of any one or more of the terms or conditions of this Lease or to exercise any right, remedy or election herein contained shall not be construed as a waiver or relinquishment for the future of the performance of such one or more obligations of this Lease or of the right to exercise such election but the same shall continue and remain in full force and effect with respect to any subsequent breach, act or omission. No agreement hereafter made between the Landlord and Tenant shall be effective to change, modify, waive, release, discharge, terminate or effect any abandonment of this Lease in whole or in part unless such agreement is in writing, refers expressly to this Lease and is signed by the party against whom enforcement of the change, modification, waiver, release, discharge or termination or effectuation of the abandonment is sought. 24.02 The following specific provision of this Section shall not be deemed to limit the generality of the foregoing provisions of this Article: (a) No agreement to accept a surrender of all or any part of the Demised Premises prior to the end of the Term shall be valid unless in writing in form acceptable to the Landlord. 36 ARTICLE 25 Estoppel Certificate 25.01 Tenant and Landlord agree, at any time and from time to time, during the Term, upon not less than thirty (30) days prior notice from the other, to execute, acknowledge and deliver to the other a statement in writing addressed to the other: (i) that this Lease is in full force and effect; (ii) that Tenant knows of no default hereunder on the part of the Landlord or if it has reason to believe that such a default exists, the nature thereof in reasonable detail; (iii) the amount of the Rent being paid and the last date to which Rent has been paid; (iv) that this Lease has not been modified, or if it has been modified, the terms and date of such modifications; (v) that the terms of this Lease has been commenced; (vi) the Commence and Expiration Dates; (vii) whether all work to be performed by the Landlord has been completed; (viii) whether the Renewal Term options, if any, has been exercised; (ix) whether there exist any claims or deductions from or defense to the payment of Rent; (x) stating whether or not the other has knowledge that the requesting party is in default in the performance of any term or condition contained in this Lease and if the other has knowledge of such default, specifying each such default; (xi) stating the address to which notice shall be sent; (xii) such other matters as may be reasonably requested by the requesting party. 25.02. If Tenant fails to execute and deliver to the Landlord a completed certificate as required under this Section, Tenant hereby appoints the Landlord as its attorney-in-fact to execute and deliver such certificate for and on behalf of Tenant. 37 ARTICLE 26 Landlord's Representation 26.01 As of the Commencement Date, to the knowledge of Landlord, there will be no material defects in the heating, ventilating, air conditioning, electrical, plumbing, elevator, telephone, mechanical and other building systems, exterior walls, roofs, windows and other structural elements of the premises, real property or the improvements located upon the demised premises. 26.02 Landlord has received all licenses, permits and authorizations (including, without limitation, occupancy permits) necessary to use, occupy and operate the premises for the purposes for which they are now used, occupied and operated, and such licenses, permits and authorizations are now in full force and effect and are fully transferable to the Tenant at no charge (except customary, minor filing fees or similar minor charges or costs). 38 ARTICLE 27 Recording of Lease 27.01 Tenant covenants and agrees that Tenant shall not record or permit to be recorded this Lease or any memorandum thereof without obtaining the Landlord's express prior written consent. 39 ARTICLE 28 No Other Representations, Construction, Governing Law 28.01 This Lease supersedes and revokes all previous negotiations, arrangements, letters of intent, offers to lease, lease proposals, brochures, "Representations" (meaning covenants, promises, assurances, agreements, representations, conditions, warranties, statements and understanding), and information conveyed, whether in writing, between the parties hereto or their respective representatives or any other persona purporting to represent the Landlord or Tenant. Tenant expressly acknowledges and agrees that the Landlord has not made and is not making, and Tenant, in executing and delivering this Lease, is not relying upon and has not been induced to enter into this Lease by any Representations except to the extent that the same are expressly set forth in this Lease or in any other written agreement which may be made and executed between the parties concurrently with the execution and delivery of this Lease and shall expressly refer to this Lease and not such Representations not so expressly herein set forth shall be used in the interpretation or construction of this Lease and the Landlord shall have no liability for any consequences arising as a result of any such Representations not so expressly herein set forth. This Lease contains the entire agreement between the parties and all prior negotiations and agreements are merged into this Lease. This Lease may not be changed, modified terminate or discharged, in whole or in part, nor any of its provisions waived except by a written instrument which (i) expressly refers to this Lease, and (ii) is executed by the party against whom enforcement of this change, modification, termination, discharge or waiver is sought. 28.01 If any of the provisions of this Lease, or the application thereof to any person or circumstances shall to any extent be invalid or unenforceable, the remainder of this Lease or the application of such provisions to persons or circumstances other than those as to whom or which it is held invalid or unenforceable shall not be affected thereby and every provision of this Lease shall be valid and enforceable to the fullest extent permitted by law. 28.02 The laws of the State of New York applicable to contracts made and to be performed wholly within the State of New York shall govern and control the validity, interpretation, construction, performance and enforcement of this Lease without giving effect to the principles of Conflict of Laws and shall apply to any dispute or controversies arising out of or pertaining to this Lease. 40 ARTICLE 29 Parties Bound 29.01 The obligations of this Lease shall bind and benefit the successors and assigns of the parties with the same effect as if mentioned in each instance where a party name referred to. However, the obligations of the Landlord under this Lease shall not be binding upon the Landlord herein named with respect to any period subsequent to the transfer of its interest in the Building as owner thereof and in the event of such transfer said obligations shall thereafter be binding upon each transferee of the interest of the Landlord herein named as such owner or lessor of the building but only with respect to obligations arising during the period commencing with such transfer and ending with a subsequent transfer within the meaning of this Article, and such transfer by accepting such interest shall be deemed to have assumed such obligations except only as may be expressed otherwise provided elsewhere in this Lease. 29.02 Delivery of this Lease to Tenant for execution shall not constitute a reservation of or option for the Demised Premises or an offer by the Landlord to lease the Demised Premises and this Lease shall not be binding and effective until executed by both parties hereto. 41 ARTICLE 30 Authority to Enter into Lease If Tenant is a corporation, each individual executing this Lease on behalf of the corporation represents and warrants that he is duly authorized to execute and deliver this Lease on behalf of the corporation, in accordance with a duly adopted resolution of the Board of Directors of said corporation or in accordance with the by-laws of said corporation, and that this Lease is binding on the corporation in accordance with its terms. If Tenant is a partnership, each individual executing this Lease on behalf of the partnership represents and warrants that he is duly authorized to execute and deliver this Lease on behalf of the partnership, in accordance with the partnership agreement and any statements of partnership or certificates of limited partnership of the partnership, and that this Lease is binding on the partnership in accordance with its terms. Tenant shall, within thirty (30) days of the execution of this Lease, deliver to Landlord: (a) if Tenant is a corporation, a certified copy of a resolution of the Board of Directors of the corporation; or (b) if Tenant is a partnership, a copy of the Statement of Partnership or Certificate of Limited Partnership of tenant; and (c) other evidence reasonably satisfactory to landlord authorizing or ratifying the execution of this Lease. 42 ARTICLE 31 Notices - Service of Process 31.01 Any notice, consent, approval, request, communications, bill, demand or statement provided for hereunder by either party to the other party shall be deemed to have been given upon receipt or refusal, when given writing and sent by United States mail, certified, return receipt requested or deemed to have been duly given upon receipt or refusal, if delivered personally by hand, established, reputable courier or overnight courier, addressed to such other party together with copies as shown below, which address for the Landlord shall be Warren Properties, Box 469114, Escondido, California 92046-9114 and for Tenant, shall be Union State Bank, 100 Dutch Hill Road, Orangeburg, New York 10962. Either party may at any time change the address for such notices, consents, approvals, request, copies, communications, bills, demands or statements (or copies thereof) by delivery or mailing as aforesaid to the other party a notice stating the changed address. 31.02 Whenever either party shall consist of more than one person or entity, any notice, statement, demand or other communication required or permitted and any payment to be made shall be deemed duly given or paid if addressed to or by (or in the case of payment by check to the order of) any one of such persons or entities who shall be designed from time to time as the authorized representative of such party. Such party shall promptly notify the other of the identity of such person or entity who is so to act on behalf of all persons and entities then comprising such party and of all changes in such identity. 31.03 Tenant shall give notice to the Landlord promptly after Tenant learns thereof, (i) of any accident in or about the Demised Premises or the Building, (ii) of all fires in the Demised Premises, and (iii) of all damages to or defects in the Demised Premises, including the fixtures, equipment and appurtenances thereof, for the repair of which the Landlord might be responsible or which constitutes the Landlord's property. 43 ARTICLE 32 Miscellaneous Provisions 32.01 The Article headings and captions or legends in this Lease prefixed to this Lease are inserted only as a matter of convenience or reference and are not to be given any effect whatsoever. 32.02 It is agreed and understood that any Exhibits and Schedules attached hereto form an integral part of this Lease and are hereby incorporated by reference. 32.03 The Landlord and its agents shall have the right to enter and/or pass through the Demised Premises: (a) to examine the Demised Premises and to show them to actual and prospective superior lessors, superior mortgagees or prospective purchasers, mortgagees or lessees of the Building; and (b) to make such repairs, alterations, additions and improvements in or to the Demised Premises and/or in or to the Building or its facilities and equipment as the Landlord is required or desires to make. The Landlord shall be allowed to take all materials into and upon the Demised Premises that may be required in connection therewith without any liability to Tenant and without any reduction of Tenant's covenants and obligations hereunder. 32.04 Tenant and its employees and agents shall faithfully observe and strictly comply with the rules and regulations as may be provided by Landlord and such reasonable changes therein (whether by modification, elimination or addition) as the Landlord hereafter may make and communicate in writing to Tenant which do not unreasonably affect the conduct of the permitted use of the Demised Premises (the "Rules and Regulations"). Tenant's rights to dispute the reasonableness of any changes in the Rules and Regulations shall be deemed waived unless asserted by notice to Landlord within thirty (30) days after the date upon which the Landlord shall have given notice to Tenant of the adoption of any such changes in which case such dispute shall be determined by arbitration pursuant to Article 22. In case of any conflict or inconsistency between the provisions of this Lease and any Rules and Regulations as originally promulgated or as changed, the provisions of this Lease shall control. The Landlord shall have no duty or obligation to enforce any Rules or Regulation or any term, covenant or condition of any other lease against any other tenant or occupant of the Building, and Landlord shall have no liability to Tenant for any violation of the same by any other tenant or occupant of the Building; however, if such rules and regulations shall be enforced, such rules and regulations shall be enforced uniformly and on a nondiscriminatory basis. 44 ARTICLE 33 Renewal Terms The term of this Lease may be extended, at the option of the Tenant, for three (3) additional periods of five (5) years (referred to herein as "Renewal Terms"). The option to renew shall be exercised by Tenant by written notice to the Landlord not more than twelve (12) months nor less than six (6) months prior to the expiration of the then existing term. Each renewal term shall be on the same terms, covenants and conditions set forth in this Lease provided, however, the annual rental for each renewal term shall be at fair market value determined as follows: (a) By mutual agreement of the Landlord and Tenant; or (b) In the event Landlord and Tenant are unable to agree on fair market value as of the date of the renewal, then, in such event, Landlord and Tenant shall respectively designate one appraiser/real estate professional, each having knowledge and experience in commercial leases in the New York City area. The designated representatives of the Landlord and Tenant shall jointly designate a third appraiser/real estate professional. Such third person shall provide a written opinion as to the fair market value based upon an analysis of the market conditions as of the date set for renewal and such person's opinion as to the annual rental shall be final and binding on both the Landlord and the Tenant The annual rental shall be increased on the first date of each renewal term in accordance with the foregoing. IN WITNESS WHEREOF, the parties hereto have executed this Lease the day and year first above written. UNION STATE BANK, Tenant Landlord By:__________________________________ By:_____________________________________ 45 EXHIBIT I FORM OF La Jolla Bank COUNSEL'S OPINION TO BE RENDERED BY ______________, 2000 [preliminary comments only] [subject to further comment and opinion committee review] [Buyer's Address] [Introductory Paragraphs] On the basis of the foregoing, and having regard for such legal and other considerations as we deem appropriate, as of the date hereof we are of the following opinion: (1) Seller is a savings bank duly organized and validly existing under the laws of the United States; it has the corporate power and authority to own and operate its properties and to conduct its business as a savings association in the manner in which it is presently being conducted; and Seller has the corporate power and authority to execute and deliver the Agreement and to carry out all of the transactions contemplated therein. (2) The execution and delivery of the Agreement has been duly authorized by all necessary corporate action to be taken on the part of Seller; and (assuming due execution and delivery by Buyer), the Agreement and each of such other documents and instruments are valid and binding obligations of Seller, subject to bankruptcy, insolvency, reorganization, moratorium, fraudulent conveyance, fraudulent transfer or other similar laws relating to or affecting the enforcement of creditors' rights generally, laws effecting the rights of creditors of financial institutions the deposits of which are insured by the Federal Deposit Insurance Corporation and to general principles of equity, whether considered in a proceeding at law or in equity. 3) The execution, delivery and performance of the Agreement by Seller thereof do not conflict with, violate, breach or cause a default under the Charter or Bylaws of Seller. (4) Based solely on a certificate from the FDIC, the deposit accounts of Seller are federally insured to applicable limits and no action is pending or, to our actual knowledge, threatened with respect to the termination of such insurance. This opinion letter maybe governed and interpreted in accordance with the Legal Opinion Accord of the American Bar Association Section of Business Law (1991). The law covered by the opinions expressed herein may be limited to the federal laws of the United States and the law of the State of New York. 41 EXHIBIT J FORM OF BUYER'S COUNSEL'S OPINION TO BE RENDERED BY ELIAS, MATZ, TIERNAN & HERRICK _______________________,2000 [Seller's Address] [Introductory Paragraphs] On the basis of the foregoing, and having regard for such legal and other considerations as we deem appropriate, as of the date hereof we are of the following opinion: (1) Buyer is a New York State Banking Association duly organized and validly existing under the laws of the State of New York; it has the corporate power and authority to own and operate its properties and to conduct its business as a New York State Banking Association in the manner described in the Annual Report on Form 10-K of Buyer's parent holding company, U.S.B. Holding Co., Inc. (for the year ended December 31, 1999); and it has the corporate power and authority to execute and deliver the Agreement and to carry out all of the transactions contemplated therein. (2) The execution and delivery of the Agreement and each of the documents and instruments contemplated thereby have been duly authorized by all necessary corporate action to be taken on the part of Buyer; and (assuming due execution and delivery by Seller, the Agreement and each of such other documents and instruments are valid and binding obligations of Buyer, subject to bankruptcy, insolvency, reorganization moratorium, fraudulent conveyance, fraudulent transfer or other similar laws relating to or affecting the enforcement of creditors' rights generally, laws affecting the rights of creditors of financial institutions the deposits of which are insured by the Federal Deposit Insurance Corporation and to general principles of equity, whether considered in a proceeding at law or in equity. 3) The execution, delivery and performance of the Agreement by Seller thereof do not conflict with, violate, breach or cause a default under the Charter or Bylaws of Buyer. (4) Based solely on a certificate from the FDIC, the deposit accounts of Buyer are federally insured to applicable limits and no action is pending or, to our actual knowledge, threatened with respect to the termination of such insurance. This opinion letter maybe governed and interpreted in accordance with the Legal Opinion Accord of the American Bar Association Section of Business Law (1991). The law covered by the opinions expressed herein may be limited to the federal laws of the United States and the law of the State of New York. 42