Common use of Reserve for Possible Loan and Lease Losses Clause in Contracts

Reserve for Possible Loan and Lease Losses. The reserve for possible loan and lease losses shown on the Financial Statements at September 30, 2006, was considered by Borrower's management to be adequate in all respects to provide for Borower's possible specific losses, net of recoveries relating to loans previously charged off, on loans outstanding at that date, and included an additional amount of historically-allocated reserves for unanticipated future losses at a level considered adequate by Borrower's management as of that date.

Reserve for Possible Loan and Lease Losses. The reserve for possible loan and lease losses shown on the Financial Statements at September 30, 2006, was considered by Borrower's ’s management to be adequate in all respects to provide for Borower's ’s possible specific losses, net of recoveries relating to loans previously charged off, on loans outstanding at that dateDecember 31, 2003, and included an additional amount of historically-allocated unallocated reserves for unanticipated future losses at a level considered adequate by Borrower's ’s management as of that dateDecember 31, 2003.

Reserve for Possible Loan and Lease Losses. The reserve for possible loan and lease losses shown on the Financial Statements at September 30, 2006, was considered by Borrower's ’s management to be adequate in all respects to provide for Borower's ’s possible specific losses, net of recoveries relating to loans previously charged off, on loans outstanding at that date, and included an additional amount of historically-allocated reserves for unanticipated future losses at a level considered adequate by Borrower's ’s management as of that date.

Reserve for Possible Loan and Lease Losses. The reserve for possible loan and lease losses shown on the Financial Statements at September 30, 2006, was considered by Borrower's management to be adequate in all respects to provide for Borower's possible specific losses, net of recoveries relating to loans previously charged off, on loans outstanding at that dateJune 30, 2005, and included an additional amount of historically-allocated unallocated reserves for unanticipated future losses at a level considered adequate by Borrower's management as of that dateJune 30, 2005.