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Show I III CV .,..41 --. ;tif jf v. Your support helps keep us Utah Valley's favorite community bank. " For ten years now, our steady growth has been a .direct result of the confidence you continue to place in us and in our ability to provide all the banking services, and stability, you expect from a full-service bank. h. Thanks again for building a lifelong banking relationship with us. We'll continue to provide the vision, strength and friendly, face-to-face decision making you appreciate. UJ. 66 Exemplary financial strength, and performance" "Western Community Bank represents excellence in community banking. It has the vision and ability to successfully adjust to changing economic conditions. " BauerFinancial Reports, February 2001 Free checking. Free name remembering. Free handshakes and smiles. Member FDSC About BauerFinancial Reports, Inc. (www.bauerfinancial.com) BauerFinancial Reports, Inc. analyzes and reports on the financial condition of the nation's banks, thrifts and credit unions commonly known as primary financial institutions, Their rating system, which was introduced in 1988, is nationally recognized as "THE bank rating system." The data they use is referred to as "call reports" which regulators require each federally-insured financial institution to file. That information is supplemented by their own independent research. Interestingly, their principal customer base is the institutions they analyze banks and credit unions which speaks volumes for the independence and objectivity of their analysis. Ail bants rr subject to federal regulatory capital requirements but those requirements wy among institutions and are' dependent on many factor In general, institutions are requited to maintain a tangible cap-tai ratio ot at least 4, a tier 1 risk -based capital ratio of ai least 4 and a total risk -bated capital ratio of at least 8 In addition to the cacKlal rstio. uther criteria are usd to determne Bauer's Star Raring. Some ol these include but are not limited to: profitabilityloss trend, evaluating the level of detincwent hunt and repossessed assets. the market versus book value of the Hivestmeril portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), and hquidrty Potential losses on awiabieforsafe securities, delinquent loans and repossessed assets are forecasted assigning their star rating. Each of the msitutiont on the flecorwnended fenk I thrift Report safe, financially sound and ts operating weS above its regulatory capital requirements. Each had a tangible capital ratio greater than 6 and a total risk-based risk-based capital rauo greater than 10. J) Western Community Bank Big bank abilities. Small bank amenities! www.westerncommunitybank.com ' "i if Y |