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Important Notices

July 30, 2007

CSBS Bank Directors' Seminar, Coeur d'Alene, Idaho, September 16-18

TO: CEOs of All State-chartered Banks

FROM: Michael A. Kelley, Commissioner of Financial Institutions

The Conference of State Bank Supervisors (CSBS) and the Graduate School of Banking at Colorado are presenting a timely and valuable Bank Directors Seminar, September 16 to 18, 2007 in beautiful Coeur d’Alene, Idaho.

This is a valuable and timely opportunity for your bank and your directors. I highly recommend this program. This seminar is an opportunity for your directors to gain knowledge and enhance their ability to work with you and top management for the benefit of the shareholders.

You can view the agenda on the CSBS website at www.csbs.org. Click on the calendar of events tab and go to date of the event. I think you will agree that the topics covered are what directors need to be familiar with and will improve corporate governance at your bank.

Please register your directors and make your room reservations right away.