Date:

I have reviewed the voluntary charge-offs of consumer loans made since
the last examination. Had the bank been under examination on those
dates, I would have directed them to charge-off the following
installment loans:

+--------+--------+--------+--------+--------+---------+-------------+
| ## Loa |        |        |        |        |         |             |
| ns Del |        |        |        |        |         |             |
| inquen |        |        |        |        |         |             |
| t 120  |        |        |        |        |         |             |
| Days o |        |        |        |        |         |             |
| r More |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
| A      | #      | ## B   | Date   | Past   | Date    | ##          |
| ccount | # Name | alance |        |        |         |             |
|        |        |        | of     | Due    | ## C/O  |             |
| ##     |        |        | Last   |        |         |             |
| Number |        |        |        | ##     |         |             |
|        |        |        | ## P   | Status |         |             |
|        |        |        | ayment |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
| Sub    |        |        |        |        |         |             |
| Total  |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+

CC-1427-OX

Rev. 7-83

+--------+--------+--------+--------+--------+---------+-------------+
| ## L   |        |        |        |        |         |             |
| oans D |        |        |        |        |         |             |
| elinqu |        |        |        |        |         |             |
| ent 90 |        |        |        |        |         |             |
|  to 12 |        |        |        |        |         |             |
| 0 Days |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
| A      | #      | ## B   | Date   | Past   | Date    | ## Rea      |
| ccount | # Name | alance |        |        |         | son for C/O |
|        |        |        | of     | Due    | ## C/O  |             |
| ##     |        |        | Last   |        |         |             |
| Number |        |        |        | ##     |         |             |
|        |        |        | ## P   | Status |         |             |
|        |        |        | ayment |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
|        |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
| Sub    |        |        |        |        |         |             |
| Total  |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+
| Total  |        |        |        |        |         |             |
+--------+--------+--------+--------+--------+---------+-------------+

National Bank Examiner

CC-1427-OX

Rev. 7-83