Written Comments and Recommendations Received

EGRPRA   Sixth Comment Period A January 4, 2006 through April 4, 2006 Prompt Correction Action & Disclosure and Reporting of CRA-Related Agreements Comments and recommendations   Fifth Comment Period August 11, 2005 through November 9, 2005 Banking Operations, Directors, Officers and Employees, & Rules of Procedure. Comments and recommendations Fourth Comment Period February 3, 2005 through May 4, 2005 Money Laundering, Safety and Soundness, and Securities. Comments and recommendations Third Comment Period July 20, 2004 through October 18, 2004 Consumer Protection- Account/Deposit Relationships & Miscellaneous Consumer Rules. Comments and recommendations Second Comment Period January 21, 2004 through April 20, 2004 Consumer Protection - Lending Related Laws. Comments and recommendations First Comment Period June 16, 2003 through September 15, 2003 Applications & Reporting, International Operations, Powers & Activities. Comments and recommendations

CRA Community Reinvestment Act Regulations Comment period: February 6, 2004 through April 6, 2004 Interagency Proposal to Raise Small Bank Definition and other changes. Comments Received by the FED Comments Received by the FDIC Comments Received by the OTS Comments Received by the OCC

PRIVACY NOTICES Interagency Proposal to Consider Alternative Forms of Privacy Notices. Comment period: December 30, 2003 through March 29, 2004. Comments Received by the FED Comments Received by the FDIC Comments Received by the OTS Comments Received by the OCC