Exhibit 10(oo)
ASSET PURCHASE AND
ACCOUNT ASSUMPTION AGREEMENT
AGREEMENT, dated as of May 25, 2000, by and between Union State Bank, a
New York State Banking Association with its principal office located at 000
Xxxxx Xxxx Xxxx, Xxxxxxxxxx, Xxx Xxxx 00000 ("Buyer"), and La Jolla Bank, a
Federally Chartered Savings Association with its principal offices located at
0000 Xx Xxxxxxx, Xxxxxx Xxxxx Xx, Xxxxxxxxxx 00000 ("Seller").
WITNESSETH:
WHEREAS, Seller operates the branch offices listed in Exhibit A hereto
(hereinafter referred to as the "Branch Offices");
WHEREAS, Seller desires to transfer and Buyer desires to acquire certain
of the assets and assume the deposits and certain other liabilities of the
Seller's Branch Offices, including, certain contractual rights associated with
the Branch Offices, certain loans, all of the fixtures and personal property
located at the Branch Offices and cash on hand at the Branch Offices;
NOW THEREFORE, in consideration of the premises, the mutual promises and
covenants hereinafter set forth, and other good and valuable consideration, the
receipt and sufficiency of which is hereby acknowledged, Seller and Buyer agree
as follows:
ARTICLE I
DEFINITIONS
For the purposes of this Agreement, the definitions in this Article I and
elsewhere in this Agreement shall apply:
(a) "Account Loans" shall have the meaning set forth in Article IV(b).
(b) "Assets" shall have the meaning set forth in Article IV.
(c) "Assumption Funds" shall have the meaning set forth in Article V(a).
(d) "Branch Offices" means the branch offices of Seller listed on Exhibit
A hereto.
(e) "Closing Date" shall have the meaning set forth in Article VI(a).
(f) "Cut-Off Date" shall have the meaning set forth in Article II(a).
(g) "Environmental Laws" means all applicable federal, state and local
laws and regulations and rules relating to pollution or discharge of
hazardous substances into the environment.
(h) "Leases" shall have the meaning set forth in Article III.
(i) "Liabilities" shall have the meaning set forth in Article II(a).
(j) "Operating Assets" shall have the meaning set forth in Article IV(b).
(k) "Records" shall have the meaning set forth in Article VI(e).
(l) "Regulatory Approvals" shall have the meaning set forth in X(a).
(m) "Material Adverse Effect" shall have the meaning set forth in VII(c).
ARTICLE II
ASSUMPTION OF LIABILITIES
Upon the terms and subject to the conditions hereinafter set forth, Seller
agrees to assign, and Buyer agrees to assume liability on the Closing Date for:
(a) All deposit accounts, of every kind and description, maintained at or
for the Branch Offices as the same shall exist on the Closing Date, as defined
in Article VI hereof, together with interest accrued thereon through the
"Closing Date" ("Liabilities"). Said Liabilities total approximately $99.0
million as of April 30, 2000 and are more fully identified on Exhibit B and
Exhibit B-1 hereto (Seller shall within five (5) days from the date of this
Agreement provide a more detailed listing of the Liabilities as of April 30,
2000, to be assumed.) Exhibit B and Exhibit B-1 shall be updated as of a date
agreed upon by the parties within ten (10) business days prior to the Closing
Date (the "Cut-Off Date") and which updated Exhibit B shall be delivered by
Seller to Buyer on the Closing Date. Exhibit B and Exhibit X-x shall be further
updated as of the Closing Date and delivered by Seller to Buyer within fifteen
(15) days after the Closing Date. In
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connection with the assumption by Buyer of the Liabilities, Seller shall
transfer and deliver to Buyer as of the Closing Date the originals of all
records, documents and information relating to the Liabilities, including such
as shall be necessary to enable Buyer to comply with any applicable tax
withholding requirements relating to the Liabilities.
(b) Contractual obligations assumable by Buyer without penalty and related
to the operation of the Branch Offices and any other obligations assumed by
Buyer associated with the Assets, as defined below, and which are described on
Exhibit C hereto. Exhibit C shall also include any other agreements not
otherwise assumed affecting the occupancy of the Branch Offices or which
restrict the use of the Branch Offices. Seller shall, within five business (5)
days from the date of this Agreement, provide copies of the Contracts identified
on Exhibit C. Exhibit C shall be further updated as of the Closing Date and
delivered by Seller to Buyer at Closing.
(c) Except for the liabilities specifically assumed as set forth in
Section 11(a) and (b) of this Agreement, Buyer is not assuming any other
liabilities or obligations, whether or not the same is in any way involved,
either directly or indirectly, with the operation by Seller of its business or
to which Seller may have become a party or liable by reason of its business.
Liabilities not assumed include, but are not limited to, the following:
(i) Excluded Deposits (as described in Exhibit B);
(ii) Seller's cashier checks, money orders, interest checks and expense
checks issued prior to the Closing Date, consignments of U.S. Government
bonds, if any, and any and all traveler's checks;
(iii) liabilities or obligations of Seller with respect to any litigation,
suits, claims, demands or governmental proceedings existing at the time of
or arising out of or relating to acts, events or omissions to act that
occurred at or prior to the Closing Date;
(iv) liabilities of Seller for or under any data processing contracts; and
(v) other equipment leases not assumed by Buyer.
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ARTICLE III
BRANCH LEASES
The consummation of the transactions contemplated by this Agreement is
expressly conditioned upon the execution and delivery, on the Closing Date, of
leases for the Branch Offices in the form set forth at Exhibit H (the "Leases")
and the compliance with all conditions precedent set forth in said Leases.
ARTICLE IV
PURCHASE OF ASSETS
On the Closing Date, Buyer shall purchase, acquire and accept, and Seller
shall sell, transfer, convey, assign and deliver to Buyer all of the right,
title and interest of Seller, free and clear of all liabilities, obligations
which are associated with account loans, liens and encumbrances, with the
exception of those liabilities and obligations described on Exhibit C hereto,
upon the terms and subject to the conditions hereinafter set forth, in the
following assets (the "Assets"):
(a) The personal property, office equipment and fixtures and improvements
located in and being on the premises of the Branch Offices and which are
described on Exhibit D hereto ("Operating Assets"). Seller shall, within five
business (5) days from the date of this Agreement, provide a detailed list of
the Operating Assets. Exhibit D shall be further updated as of the Closing Date
and delivered by Seller to Buyer on the Closing Date. The purchase price of the
Operating Assets described on Exhibit D shall be $150,000.00. It is understood
and agreed that the Operating Assets do not include the artwork presently
located in the New York City Branch.
(b) All loans and lines of credit secured by or associated with the
Liabilities maintained at or for the Branch Offices and which are identified on
Exhibit E hereto together with accrued interest thereon ("Account Loans"), which
Exhibit shall be updated as of the Cut-Off Date and such updated Exhibit shall
be delivered by Seller to Buyer on the Closing Date, and shall be further
updated as of the Closing Date and delivered by Seller to Buyer, within fifteen
(15) days after the
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Closing Date. Buyer reserves the right to examine the credit file and credit
reports related to the Account Loans and, upon notice to Seller prior to the
Closing Date, to delete such Account Loans as do not meet Buyer's reasonable
credit criteria. The purchase price for the Account Loans shall be an amount
equal to the outstanding principal balance for such Account Loans on the Closing
Date plus accrued interest through the Closing Date.
ARTICLE V
PAYMENT FOR ASSETS AND ASSUMPTION OF LIABILITIES
(a) On the Closing Date, Seller shall pay to Buyer by wire transfer an
amount equal to:
(1) the amount of the Liabilities assumed, plus the net amount of
any pro rata items owed by Seller to Buyer under Article V(c) below,
if any, less
(2) the sum of (i) the amount of the purchase price of the Operating
Assets and the Account Loans determined in accordance with Article
IV, (ii) the amount of any cash on hand at the Branch Offices to be
transferred to Buyer on the Closing Date, (iii) the net amount of
any prorated items owed by Buyer to Seller under Article V(c) below,
(iv) a premium equal to six and 80/100 (6.80%) percent of the
Liabilities as of the Closing Date and (v) the amount of all
security or other deposits paid by Seller in connection with any
contractual obligations, as set forth in Exhibit C hereto, and
assumed by Buyer on the Closing Date (the funds being transferred
from Seller to Buyer are hereinafter referred to as the "Assumption
Funds"). The amount of Assumption Funds to be paid on the Closing
Date shall be based upon the respective balances of the Liabilities
and Assets on the Cut-Off Date, provided that the amount of the
Assumption Funds shall be subsequently adjusted pursuant to
paragraph (d) below.
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(b) Notwithstanding the provisions of Paragraph (a) above, in the event
the amount of the Liabilities is less than $80.0 million as of the Closing Date,
Buyer shall have the right but not the obligation to terminate this Agreement
without any further liabilities or obligations to perform hereunder. In the
event that the Liabilities are in excess of $105.0 million, Buyer's obligations
hereunder shall remain in effect, however, there shall be no premium paid on any
amount of Liabilities which exceed $105.0 million.
(c) Federal deposit insurance premiums, insurance premiums, taxes
withheld, collected from or payable on behalf of employees; and other amounts
both payable and/or receivable and equipment, alarm, and other service agreement
costs with respect to the Branch Offices' premises, including accrued interest,
if any, shall be prorated as of the Closing Date and reflected on the Closing
Statement as set forth below. Any items susceptible of being prorated but which
cannot be prorated by the Closing Date shall be prorated as soon as the
requisite information is available and shall be paid promptly thereafter by the
appropriate party to the other party.
(d) The actual Assumption Funds will be calculated based upon the
respective balances of the Liabilities and Assets as of the Closing Date, as
soon as the requisite information is available. An amount equal to the
difference between the Assumption Funds transferred on the Closing Date and the
amount of Assumption Funds determined to be actually due from Seller to Buyer
(the "Post-Closing Adjustments") shall be transferred, together with interest
accrued thereon at the Federal Funds rate, which shall be determined by the
average of the high and low rates quoted for overnight Federal Funds in the
"Money Rates" column of the Wall Street Journal on the Closing Date, to Seller
from Buyer or to Buyer from Seller, as the case may be. The Post-Closing
Adjustments shall be calculated and paid at a mutually agreed upon time and
place within twenty (20) days after the Closing Date.
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(e) An appropriate adjustment to the amount of Assumption Funds shall be
made in the event that a good faith error in calculating the amount of the
Liabilities or Assets is discovered within ninety (90) days after the
Post-Closing Adjustments referred to in paragraph V(d) above.
ARTICLE VI
CLOSING AND TRANSITIONAL MATTERS
(a) The closing of the transactions contemplated by this Agreement shall
take place on a Friday within 30 days following the date on which all of the
regulatory approvals referred to in Article X(a) of this Agreement shall have
been obtained, all applicable waiting periods have expired or on such other date
as shall be mutually agreed to by the parties hereto (the "Closing Date").
(b) The closing shall take place at the offices of Buyer at 10:00 a.m.,
Eastern Time, on the date set forth above or at such other time and place as
shall be mutually agreed to by the parties hereto. Seller and Buyer agree to
diligently and in good faith take all actions prescribed by this Agreement to
effect consummation of the transactions contemplated by this Agreement by on or
before August 25, 2000 (the "target date"). The closing of this transaction by
the "target date" shall not, however, be binding nor enforceable by either
Seller or Buyer. The provisions of this Agreement relating to the closing date
shall, in all events, be applicable.
(c) The amount of the Assets and Liabilities to be transferred pursuant to
this Agreement shall be determined as of the Closing Date, and the assumption of
the Liabilities and the transfer of the Assets shall be deemed to take place
immediately upon the close of business on the Closing Date.
(d) Calculation of the payment for Assets and assumption of Liabilities
shall be set forth on a Closing Statement. Seller shall afford Buyer and its
accountants and attorneys the opportunity to review all work papers and
documents used by Seller in preparing the Closing Statement.
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(e) On the Closing Date, Seller shall transfer, assign and deliver to
Buyer such of the following records (the "Records") pertaining to the
Liabilities as exist in whatever form or medium such records are maintained by
Seller on the Closing Date: (i) signature cards, orders and contracts between
Seller and depositors, and records of similar character, (ii) deposit slips and
cancelled checks or withdrawal orders representing charges to depositors, (iii)
individual retirement account ("XXX") and Xxxxx documents and authorization for
XXX and Xxxxx customers, (iv) special customer authorizations, including stop
payments, other account holds, wire transfer instructions and automatic
transfers, (v) organization and business account resolutions and authorizations,
(vi) passbook loan contracts, collateral, and related documents, (vii) overdraft
line of credit contracts and related documents, (viii) copies of tax
identification numbers, copies of ACH origination forms and records and such
other records as may be reasonably requested by Buyer. Seller shall be entitled
to retain copies of Records.
Buyer acknowledges and agrees that it will preserve and safely keep, for
as long as may be required by applicable law, all of the records of account
referred to above for the joint benefit of Seller and Buyer, and that, with
respect to transactions occurring on or before the Closing Date and involving
the Liabilities, it will provide to Seller or its designated representatives,
upon request, at any reasonable time and from time to time, information
concerning the records of account and/or extracts therefrom or copies thereof.
Seller and Buyer each acknowledge and agree that they shall provide to the
Internal Revenue Service (IRS), to the extent required by law, Form 1099's with
respect to each accountholder in respect of the Liabilities for the periods
during which Seller and Buyer respectively administer such Liabilities. At all
times each party shall preserve and maintain the confidentiality of all such
records of account and other depositor or customer information in accordance
with customary banking practice and all applicable federal and state laws, rules
and regulations.
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(f) In order to reduce the continuing charges to Seller through the check
clearing system of the banking industry which will result from check forms of
Seller being used after the Closing Date by depositors or holders of the
Liabilities, Seller shall, not less than thirty (30) days prior to the Closing
Date, provide notice to depositors or holders of Liabilities by letter in a form
reasonably acceptable to Buyer and in compliance with applicable law and
regulations, notifying the depositor or holder of Liabilities of the pending
transfer of his or her account pursuant to this Agreement. Buyer, provided that
Seller has provided Buyer with customer deposit information in a readable
format, at its cost and expense, on or immediately after the Closing Date, shall
prepare and mail, and Seller shall cooperate with Buyer in connection therewith,
to each depositor or other holder of a Liability, as appropriate, (i) a letter
prepared by Buyer and reasonably acceptable to Seller notifying each such
depositor or holder of the transfer of his or her account pursuant to this
Agreement and requesting where appropriate that effective on a future date at
some reasonable time after the Closing Date such depositor or holder cease
writing checks, drafts and withdrawal orders on forms provided by Seller and
carrying its imprint (including name and transit routing number) against any
such account, and that such depositor or holder destroy unused checks and
withdrawal orders of Seller, and (ii) as appropriate, signature cards and checks
and withdrawal order forms of Buyer with instructions to utilize the checks or
withdrawal orders of Buyer from the designated date forward.
(g) On or before the Closing Date, Seller and Buyer shall cooperate and
shall take all such action as is necessary to arrange for the direct routing to
Buyer through the check clearing system of the banking industry, effective
immediately after the Closing Date, of all checks, drafts and withdrawal orders
on forms provided by Seller and carrying its imprint (including name and transit
routing number) and relating to the Liabilities. In the event that after the
Closing Date, Seller shall receive any such checks, drafts or withdrawal orders
through the check clearing system of the banking industry, Seller shall
immediately forward to Buyer or Buyer's agent, at the cost and
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expense of Buyer, by courier service, overnight delivery service, or such other
means as Buyer shall reasonably request, all such checks, drafts, and withdrawal
orders for processing by Buyer.
(h) Following the Closing Date, Buyer agrees to pay in accordance with law
and customary banking practices all properly drawn checks, drafts and withdrawal
orders presented to Buyer by mail, over the counter, through the check clearing
system of the banking industry, and/or in the manner set forth below, by
depositors or holders of the Liabilities, whether drawn on the checks, drafts or
withdrawal order forms provided by Seller or by Buyer, and in all other
respects, to discharge after the Closing Date, in the usual course of the
banking business, all duties and obligations with respect to the balances due
and owing to the depositors or holders of the Liabilities.
(i) If any such depositors or holders, instead of accepting the obligation
of Buyer to pay the Liabilities assumed by Buyer pursuant to this Agreement,
shall demand payment from Seller for all or any part of such assumed
Liabilities, Seller shall refer all such depositors or holders to Buyer in the
manner and with such instructions, if any, as shall be hereafter established by
Seller and Buyer, and Buyer shall thereupon be responsible for making such
payment (if still demanded) to such depositor or holder. If any of such
depositors or holders after the Closing Date shall present to Seller, whether in
person by mail, or otherwise, a check, draft or withdrawal order drawn against
any of the Liabilities, Seller shall refer such depositor or holder, or deliver
such check, draft or withdrawal order, to Buyer as set forth above. Buyer shall
pay all such properly drawn checks, drafts and withdrawal orders as set forth
above and shall promptly reimburse Seller for all expenses paid and charges
incurred, if any, by Seller with respect to all such properly drawn checks,
drafts and withdrawal orders.
(j) Seller shall provide all information and take all steps required to be
taken by it that are reasonably necessary for Buyer to effect the transfer of
any direct deposit arrangement affecting any of the Liabilities and shall
promptly pay to Buyer any funds received by Seller which are
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intended to be credited to any such Liability. Buyer shall complete all actions
necessary to effect the transfer of such direct deposit arrangements within 60
days of the Closing Date. Seller shall have the right to return to the payor any
direct deposit item received by it subsequent to 60 days after the Closing Date,
or such other time period as Buyer and Seller may mutually agree upon.
(k) Seller shall cooperate and use commercially reasonable efforts to
assist in the transfer to Buyer of the Liabilities, Account Loans, and Operating
Assets, and shall take all actions necessary to accomplish such transfer,
including but not limited to the provision of any required notices to customers
in respect of the Liabilities and the Account Loans. Seller shall supply Buyer
with such information and records in its possession and control relating to the
Liabilities and the Account Loans as Buyer may reasonably request, including,
but not limited to, periodic portfolio reports and computer tapes setting forth
current account information in machine-readable format and any information
required for inclusion in all applications to regulatory authorities necessary
to consummate the transactions contemplated by this Agreement. Further, Seller
shall assist to facilitate a smooth transfer of information from Seller's
processing system to Buyer's processing system.
(l) Prior to the Closing Date, Buyer shall designate a successor trustee
or custodian, which may be Buyer ("Successor Trustee/Custodian"), as to any XXX
or Xxxxx plan account constituting a Liability and the parties will cooperate
with the Successor Trustee/Custodian. Seller will transfer the
trusteeship/custody of all such XXX and Xxxxx plan accounts to the Successor
Trustee/Custodian on the Closing Date, subject to the Successor
Trustee's/Custodian's written acceptance of its duties as Successor
Trustee/Custodian in form and substance acceptable to Seller. Seller shall be
responsible for all federal, state and local income tax reporting for such IRAs
and Xxxxx plan accounts for the period of time ending on the Closing Date and
the Successor Trustee/Custodian shall be responsible for such reporting
thereafter.
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(m) Holds or stop payment orders that have been placed by Seller on
particular Liabilities or on individual checks, drafts or other instruments
shall be continued by Buyer under the same terms. Seller shall deliver to Buyer
on the Closing Date a schedule of such holds or stop payment orders.
ARTICLE VII
REPRESENTATIONS AND WARRANTIES OF SELLER
Seller represents and warrants to Buyer that:
(a) Seller is a savings association duly organized and validly existing
under the laws of the United States; has the corporate power and authority to
own and operate its properties and to conduct its business as a savings
association in the manner in which it is presently being conducted; and has the
corporate power and authority to execute and deliver this Agreement and to carry
out all of the transactions contemplated by this Agreement.
(b) The execution and delivery of this Agreement and each of the documents
and instruments contemplated hereby have been duly authorized by all necessary
corporate action to be taken on the part of Seller; and upon execution and
delivery, this Agreement and each of such other documents and instruments will
be valid and binding obligations of Seller, enforceable in accordance with its
terms, subject to bankruptcy, insolvency, reorganization, receivership,
conservatorship, moratorium, fraudulent conveyance, fraudulent transfer or other
similar laws relating to or affecting the enforcement of creditors' rights
generally, laws affecting the rights of creditors of financial institutions the
deposits of which are insured by the Federal Deposit Insurance Corporation
(FDIC) and to general principles of equity, whether considered in a proceeding
at law or in equity.
(c) The execution and delivery of this Agreement and of the other
instruments and documents contemplated hereby do not and will not conflict with,
violate, breach or cause a default under the (i) Charter or Bylaws of Seller,
(ii) any material agreement or other instrument to which
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Seller is a party or by which it is bound, or (iii) any order, judgment,
injunction, decree or award of any court, arbitrator, government or governmental
agency by which Seller is bound; or (iv) any law, ordinance, rule or regulation
of any governmental authority as such laws, ordinances, rules or regulations
related to the conduct of Seller's business, except in the case of clauses (ii),
(iii) and (iv) above, for any conflict, violation, breach or default that,
individually or in the aggregate, would not have a Material Adverse Effect. For
purposes of this Agreement, "Material Adverse Effect" shall mean: A substantial
change in the business presently conducted by Seller or its ability to conduct
such business at the Branch Offices in substantially the same manner as
presently conducted as of the date of the Agreement.
(d) The deposit accounts of Seller are insured by the FDIC to applicable
limits and no action is pending or, to the knowledge of Seller, threatened with
respect to the termination of such insurance.
(e) Seller has good and marketable title to the Operating Assets free and
clear of all liens, claims, charges, security interests and encumbrances.
(f) All Operating Assets to be conveyed or assigned by Seller are conveyed
or assigned "as-is" and without further representation or warranty other than
that all such Operating Assets are appropriate for the purposes intended and
Seller agrees to maintain the Operating Assets through the Closing Date,
ordinary wear and tear excepted.
(g) Seller has all approvals, authorizations, consents, permits, licenses
and orders of the Office of Thrift Supervision ("OTS") required for the business
conducted by Seller at the Branch Offices. Other than compliance with 12 C.F.R.
ss. 563.22, no notices, reports or other filings are required to be made by
Seller with, nor are any consents, registrations, approvals, permits or
authorizations required to be obtained by Seller from any governmental or
regulatory authorities of the United States or any state in connection with the
execution and delivery of this Agreement by Seller or the consummation of the
transactions contemplated hereby by Seller.
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(h) There are no action, proceedings or, to the knowledge of Seller,
investigations pending or threatened against or affecting Seller (or any basis
therefor known to Seller) which, if decided adversely, would have a Material
Adverse Effect or would have the effect of enjoining or impairing the ability of
Seller to consummate the transactions contemplated by this Agreement.
(i) Seller has not retained or otherwise engaged any third party agent or
broker, or agreed to pay any fee or commission to any such person or entity in
connection with or with respect to the transactions contemplated by this
Agreement.
(j) Each Account Loan is a legal, valid and binding obligation of the
borrower, secured by the related Liability in accordance with Seller's
underwriting standards as disclosed to Buyer, has been originated and serviced
in accordance with all applicable laws, regulations and orders, and is
authorized under applicable laws, regulations and orders to be transferred by
Seller to Buyer hereunder, and Seller is not subject to any liability for
violations of any applicable law, regulation or order with respect to any such
Account Loan arising out of actions or events occurring prior to the Closing
Date or the transfers contemplated hereby. Seller is the sole owner of each
Account Loan free and clear of all liens, claims, security interests, charges
and encumbrances and has the exclusive right to transfer each Account Loan to
Buyer.
ARTICLE VIII
REPRESENTATIONS AND WARRANTIES OF BUYER
Buyer represents and warrants to Seller that:
(a) Buyer is a New York State Banking Association duly organized and
validly existing under the laws of the State of New York; it has the corporate
power and authority to own and operate its properties and to conduct its
business as a bank in the manner in which it is presently being conducted, and
it has the corporate power and authority to execute and deliver this Agreement
and to carry out all of the transactions contemplated by this Agreement.
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(b) The execution and delivery of this Agreement and each of the documents
and instruments contemplated hereby have been duly authorized by all necessary
corporate action to be taken on the part of Buyer; and, upon execution and
delivery, this Agreement and each of such other documents and instruments will
be valid and binding obligations of Buyer, subject to bankruptcy, insolvency,
reorganization, moratorium, fraudulent conveyances, fraudulent transfers or
other similar laws relating to or affecting the enforcement of creditors' rights
generally, laws affecting the rights of creditors of financial institutions the
deposits of which are insured by the Federal Deposit Insurance Corporation
(FDIC) and to general principles of equity, whether considered in a proceeding
at law or in equity.
(c) The execution and delivery of this Agreement and of the other
instruments and documents contemplated hereby do not and will not conflict with,
violate, breach or cause a default under the Charter or Bylaws of Buyer, or any
agreement or other instrument to which Buyer is a party or by which it is bound,
or any order, judgment, injunction, decree or award of any court, arbitrator,
government or governmental agency by which Buyer is bound; or result in the
creation of any lien, charge or encumbrance upon the assets of Buyer or any part
thereof; or constitute a violation by Buyer of any law, ordinance, rule or
regulation of any governmental authority as such laws, ordinances, rules or
regulations relate to Buyer or the conduct of its business.
(d) The deposit accounts of Buyer are insured by the FDIC to applicable
limits and no action is pending or, to the knowledge of Buyer, threatened with
respect to the termination of such insurance.
(e) Buyer has not retained or otherwise engaged any third-party agent or
broker or finder or agreed to pay any fee or commission to any such person or
entity in connection with or with respect to the transactions contemplated by
for or on account of this Agreement.
(f) Other than as required by Bank Merger Act, the FDIC, the New York
State Banking Department and the Connecticut Banking Department, no notices,
reports or other filings must be made by Buyer with, nor are any consents,
registrations, approvals, permits or authorizations
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required to be obtained by Buyer from any governmental or regulatory authorities
of the United States or any state in connection with the execution and delivery
of this Agreement by Buyer or the consummation of the transactions contemplated
hereby by Buyer. Buyer has not received any indication from any federal, state
or other governmental agency that such agency would oppose or refuse to grant or
issue its consent or approval, if required, with respect to the transactions
contemplated hereby.
ARTICLE IX
COVENANTS
(a) Upon the execution of this Agreement, Seller shall provide Buyer, its
agents, attorneys, accountants and employees access during normal business hours
to the premises and records of the Branch Offices in order to conduct such
additional investigation of the business of the Branch Offices and the Assets
and Liabilities, to be transferred pursuant to this Agreement, and to the
collateral and documents related thereto, that Buyer deems necessary or
appropriate, provided that such inspection shall not disrupt or unduly interfere
with the conduct of Seller's business. Seller will furnish to Buyer copies of
such documents and information with respect to the Assets and Liabilities, and
the business, properties and personnel of the Branch Offices as Buyer shall from
time to time reasonably request. The foregoing shall be coordinated by senior
personnel of Seller and Buyer.
(b) Between the date hereof and the Closing Date, Seller shall not engage
in any transaction related to the Branch Offices except in the ordinary course
of business as heretofore conducted, nor shall Seller take any action which
would materially impair Buyer's right hereunder to, or the value of, the Assets
and Liabilities to be acquired and assumed hereunder and Seller will exercise
commercially reasonable efforts to maintain existing customers.
(c) From the date hereof until the Closing Date, Seller will use
commercially reasonable efforts to obtain and retain deposit accounts and to
maintain all other customer and business
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relations at the Branch Offices in the ordinary course consistent with past
practices and shall use commercially reasonable efforts to preserve its business
operation as conducted, and to preserve for the Buyer the good will of its
customers; exercise reasonable efforts to cooperate with and assist Buyer in
assuring the orderly transition of such business from Seller to Buyer
(d) With Seller's cooperation as provided herein, Buyer shall promptly
file with the New York State Banking Department and the FDIC, and any other
regulatory agency all applications or notices necessary for the carrying out of
the transactions contemplated by this Agreement, shall publish or distribute
such notices as may be required under the Bank Merger Act or otherwise and shall
exercise its best efforts to obtain approvals of such applications.
(e) Buyer agrees that after the Closing Date the name of Seller shall not
be used in any manner in connection with the operation of the Branch Offices
without the express, prior written consent of Seller. Buyer shall not state or
imply that Seller is in any way involved as a partner, joint venturer or
otherwise in the business of Buyer.
(f) Neither Seller nor Buyer shall voluntarily undertake any course of
action inconsistent with the satisfaction of the requirements applicable to it
in this Agreement, and each shall promptly do all such acts and take all such
measures as may be appropriate to enable it to perform as early as practicable
the obligations herein provided to be performed by it and to cause all the
conditions precedent to consummation to be satisfied.
(g) Seller shall pay and discharge all taxes, general and special
assessments, rents, utilities and other charges of every description which may
be levied on or assessed against the Operating Assets and which are payable
before the Closing Date and shall not sell, lease or encumber the Operating
Assets. In addition, Seller shall maintain insurance with respect to the
Operating Assets and the Branch Offices against losses, liabilities and risks of
such types and in such amounts at least equal to their respective net book
values or such greater amounts as are customarily carried by depository
institutions, for the period prior to the Closing Date.
17
(h) Seller shall keep, or cause to be kept, in good repair the Operating
Assets
(i) Seller, on the one hand, and Buyer on the other shall from time to
time, as promptly as possible, give or cause to be given to each other written
notice of any information that may become known to it indicating that it may be
impossible to satisfy all conditions precedent to Closing hereunder or which, if
known on or before the date of this Agreement, would have been subject to
disclosure or render any representation herein inaccurate.
(j) Until the earlier of the Closing Date or termination of this
Agreement, Seller shall not actively solicit any agreement, negotiation or
discussion or enter into any agreement, negotiation or discussion with any party
other than Buyer regarding the sale, assignment, transfer or other disposition
of the Assets or the assumption of the Liabilities.
(k) In the event that the transactions contemplated hereby are not
consummated for any reason, Buyer agrees that it will return, or cause to be
returned, to Seller all information obtained in connection with this transaction
and will not, except as otherwise required by law, disclose or use such
information in the conduct of Buyer's business.
(l) Buyer may offer employment to Seller's employees at such employee's
current base salary, and is not assuming, nor shall it have responsibility
whatsoever for the continuation of or any liability under or in connection with
(i) any employment contract, collective bargaining agreement, plan or
arrangement providing for insurance coverage or for deferred compensation,
bonuses, stock options or other forms or incentive compensation or
post-retirement compensation or benefits which are entered into or maintained,
as the case may be, by Seller; (ii) any "employee benefit plan" as defined in
Section 3(3) of ERISA which is subject to any provision of ERISA and is
maintained, administered or contributed to by Seller or any affiliate of Seller;
(iii) any withholding or payroll taxes or penalty related thereto; (iv) any
employee benefits; or (v) any other employment-related obligation arising as a
result of actions by Seller or any affiliate thereof, whether prior to or
subsequent to the Closing Date. This Agreement is not intended to create and
18
shall not create any contractual or legal rights in or enforceable by any
employee of Seller. Buyer agrees to obtain prior approval of Seller before
sending any communications to any employee thereof concerning the subject matter
of this Section, which approval shall not be unreasonably withheld. This Article
IX(1) of this Agreement may be amended or terminated without liability to any
employee of Seller.
ARTICLE X
CONDITIONS PRECEDENT TO THE OBLIGATIONS OF BUYER
The obligations of Buyer to carry out the transactions contemplated by
this Agreement are subject to the fulfillment (or waiver in writing by Buyer),
on or prior to the Closing Date, of each of the following conditions:
(a) Buyer and Seller shall have received all applicable and required
governmental and regulatory approvals, including, but not limited to, that of
the New York State Banking Department, FDIC and Federal Trade Commission or
Department of Justice, as applicable, with respect to the transactions
contemplated by this Agreement, all applicable waiting periods relating thereto
shall have expired and Buyer and Seller shall have complied fully with all
conditions of such approvals which can be complied with at or prior to the
Closing Date (all such approvals and the expiration of such waiting periods,
hereinafter the "Regulatory Approvals").
(b) In all material respects, the representations and warranties of Seller
shall be true and correct on the Closing Date and Seller shall not have breached
any of its covenants under this Agreement and shall have complied in all
material respects with all of its obligations under this Agreement. The Chief
Executive Officer and the Chief Financial Officer of Seller shall deliver a
certificate on the Closing Date to such effect.
(c) Buyer shall have received a duly executed Xxxx of Sale and Assignment
of Assets of Seller conveying the Assets in substantially the form set forth in
Exhibit G hereto.
19
(d) Seller shall have executed the Assignment and Assumption Agreement in
substantially the form set forth in Exhibit H hereto.
(e) Seller shall have delivered to Buyer Exhibits B, C, D and E certified
by an officer of Seller as complete and correct, listing the Liabilities,
Contractual Obligations, Operating Assets and Account Loans, as of the dates
specified in Article I.
(f) Buyer shall have received on the Closing Date fully executed original
Leases for the Branch Offices in the form annexed and as set forth in Exhibit H.
(g) Buyer shall have received the opinion of counsel for Seller in
satisfactory form substantially as set forth in Exhibit I hereto.
(h) No court or governmental or regulatory authority of competent
jurisdiction shall have enacted, issued, promulgated, enforced or entered any
statute, rule, regulation, judgment, decree, injunction or other order (whether
temporary, preliminary or permanent) which is in effect and prohibits
consummation of any of the transactions contemplated by the Agreement.
(i) Between the date hereof and the Closing Date, there shall have been no
material damage to or destruction or condemnation of the Branch Offices.
(j) Between the date hereof and the Closing Date, there shall have
occurred no Material Adverse Effect in the operations or business of the Branch
Offices other than any such change which is a result of changes in general
economic conditions which affect the banking industry as a whole.
(k) On or prior to the Closing Date, to the extent in Seller's possession,
Seller shall deliver to Buyer the Records, and other files, documents, papers,
and records as shall be reasonably necessary to conduct a banking business at
the Branch Offices and to administer the Assets and the Liabilities or as Buyer
shall reasonably request.
(l) Buyer shall have received a certificate from Seller, signed by a duly
authorized officer thereof, stating that all conditions set forth in this
Article X have been fulfilled.
20
ARTICLE XI
CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE SELLER
The obligations of the Seller to carry out the transactions contemplated
by this Agreement are subject to the fulfillment (or waiver in writing by
Seller) on or prior to the Closing Date, of each of the following conditions:
(a) Seller and Buyer shall have received all Regulatory Approvals and
Seller and Buyer shall have complied fully with all reasonable conditions of
such approvals which can be complied with, at, or prior to, the Closing Date.
(b) The representations and warranties of Buyer shall be true and correct
in all material respects on the Closing Date and Buyer shall not have breached
any of its covenants under this Agreement and shall have complied in all
material respects with all of its obligations under this Agreement. The Chief
Executive Officer and Chief Financial Officer of Buyer shall deliver a
certificate on the Closing Date to such effect.
(c) No court or governmental or regulatory authority of competent
jurisdiction shall have enacted, issued, promulgated, enforced or entered any
statute, rule, regulation, judgment, decree, injunction or other order (whether
temporary, preliminary or permanent) which is in effect and prohibits
consummation of any of the transactions contemplated by the Agreement.
(d) Buyer shall have executed the Assignment and Assumption Agreement in
substantially the form set forth in Exhibit G hereto.
(e) Seller shall have received the opinion of counsel for Buyer in
satisfactory form substantially as set forth in Exhibit J hereto.
(f) Seller shall have received a certificate signed by a duly authorized
officer of Buyer stating that all conditions set forth in this Article XI have
been fulfilled.
21
ARTICLE XII
INDEMNITY
(a) Seller agrees to indemnify and hold Buyer harmless for a period of two
(2) years following the Closing Date against any and all losses, liabilities,
expenses, claims or damages, including reasonable attorneys' fees and expenses,
resulting from any third party claim based upon (i) any material breach of
Seller's representations and warranties contained in Article VII, (ii) any
material breach or failure to perform any agreement or covenant required of
Seller pursuant to this Agreement, (iii) actions or omissions by Seller on or
before the Closing Date with respect to the Liabilities, employee-related
matters and the Branch Offices, and (iv) any material breach or failure by
Seller to perform any agreement or covenant required of Seller pursuant to the
contracts set forth on Exhibit C to this Agreement.
(b) Buyer agrees to indemnify and hold Seller harmless for a period of two
(2) years following the Closing Date against any and all liabilities, expenses,
claims or damages, including reasonable attorneys' fees and expenses, resulting
from any third party claim based upon (i) any material breach of Buyer's
representations and warranties contained in Article VIII, (ii) any material
breach or failure to perform any agreement or covenant required of Buyer
pursuant to this Agreement, and (iii) actions or omissions by Buyer after the
Closing Date with respect to the Liabilities, employee-related matters and the
Branch Offices.
(c) Any party claiming indemnification hereunder (the "Indemnified Party")
shall give the other party (the "Indemnifying Party") prompt written notice of
any claim which may give rise to indemnification hereunder; provided, however,
that any failure promptly to give such notice shall not affect the Indemnified
Party's rights hereunder except to the extent that such failure shall adversely
affect the Indemnifying Party or its rights hereunder. The Indemnified Party
shall afford the Indemnifying Party the opportunity, at its sole cost and
expense, to defend against such claims
22
for liability. In any such action or proceeding, the Indemnified Party shall
have the right to retain its own counsel, but the fees and expenses of such
counsel shall be at its own expense unless (i) both parties mutually agree to
the retention of such counsel or (ii) the named parties to any such suit, action
or proceeding (including any impleaded parties) include both Buyer and Seller,
and in the reasonable judgment of counsel to the Indemnified Party,
representation of both parties by the same counsel would be inadvisable due to
actual conflicts of interest between them.
ARTICLE XIII
FURTHER ASSURANCES
Each party will execute and deliver all additional documents or
instruments reasonably requested by the other party to further evidence or
assure the sales, transfers and assignments contemplated by this Agreement or to
be used in any application or notice to be filed with applicable regulatory
authorities. In the event of any dispute between either party and a holder of a
liability or loan assumed or purchased by Buyer under this Agreement, each party
shall cooperate with and make its records available to the other to the extent
reasonably requested.
ARTICLE XIV
CONDUCT OF BUSINESS AFTER CLOSING
(a) As of the Closing Date, all of the Liabilities described on Exhibit B
and as set forth on the Closing Statement shall become the accounts of Buyer of
the same amount, terms, rate and maturity. All other Deposit Accounts of Seller
shall remain accounts of Seller.
(b) After the execution of this Agreement, Seller will avoid causing
customers of the Branch Offices to transfer all or part of their business or to
otherwise solicit business from such customers.
(c) For a period of twelve (12) months after the Closing Date, Seller
covenants and agrees not to directly target or solicit any persons within the
market areas hereinafter set forth with respect
23
to deposit and related products. The preceding sentence shall not apply to
non-deposit customers of Seller.
(d) For a period of twelve (12) months after the Closing Date, Seller will
not open a deposit taking office or install an ATM or supermarket branches or
any other deposit taking facility in any of the market areas hereinafter set
forth.
(e) Market areas for purposes of the foregoing Paragraph (b) -- (c) shall
be the entire area of Fairfield County, Connecticut and New York City, New York.
ARTICLE XV
MISCELLANEOUS
(a) Except as otherwise provided in this Agreement, Buyer and Seller shall
pay their own expenses in connection with the transaction contemplated hereby.
(b) Notwithstanding any other provision of this Agreement, this Agreement
and the transactions contemplated hereby may be terminated at any time before
the Closing Date as follows:
(1) By mutual written consent of the Boards of Directors of Buyer and
Seller.
(2) By written notice of either Buyer or Seller if the transactions
contemplated hereby are not consummated on or before December 31, 2000 or such
later date mutually acceptable to the parties.
(3) By written notice of either Buyer or Seller if:
(A) Any representation or warranty made herein by the other party
or in any exhibit hereto or in any application, report,
certificate or financial statement furnished pursuant to the
provisions hereof, shall prove to have been false or
misleading in any material respect when made or furnished to
the extent it has a Material Adverse Effect on Buyer or
Seller; or
24
(B) If the other party shall default in any material respect in
the performance or observance of any covenant, agreement,
provision, or duty hereunder which requires the defaulting
party to take or to omit from taking action hereunder and such
default shall not be remedied within thirty (30) days after
receipt of written notice from the other party; provided that
termination pursuant to this provision shall not relieve the
breaching party of liability for such breach or otherwise.
Notwithstanding anything to the contrary herein contained,
neither party hereto shall have the right to terminate this
Agreement on account of its own breach.
(4) By written notice of either Buyer or Seller at any time after any
governmental agency has denied or revoked any Regulatory Approval required to be
obtained pursuant to this Agreement. Provided, however, that the imposition of
reasonable conditions by any regulatory agency shall not be deemed a denial or
revocation of the approvals required to be obtained pursuant to this Agreement.
(c) Upon any such termination as described in Article XV(b) above, neither
Buyer nor Seller shall have any liability or obligation hereunder to the other,
except as follows:
(1) Each party will return all documents, work papers and other
materials and any and all copies thereof received from the other
party relating to the transactions contemplated hereby;
(2) All information received by either party hereto with respect to
the business of the other party or its subsidiaries (other than
information which is a matter of public record or whose disclosure
may be required by applicable law) shall be held in confidence and
not disclosed to any other person or entity;
(3) Buyer shall return promptly after such termination any and all
lists of customers of Seller or other materials in its possession or
control which identify customers of Seller, and shall not use any
information obtained by Buyer in connection with this
25
Agreement or the transactions contemplated herein to solicit in any
manner any of Seller's customers or otherwise to interfere with the
conduct of Seller's business or the value of its assets or
operations; and
(4) Notwithstanding Article XV(a) above and any other provision of
this Agreement, a party which terminates this Agreement in a manner
which is not permitted by Article XV(b) or who provides the basis
for a termination by the other party pursuant to the provisions of
Article XV(b)(3) above shall be liable in the amount of $250,000.00
to the other party in connection with the transactions contemplated
hereby, which amount shall be exclusive and shall constitute full
and liquidated damages.
(d) All notices or other communications provided for or required under
this Agreement shall be in writing and shall be deemed to have been duly given
if delivered or mailed (registered or certified mail, postage paid) as follows:
If to Seller:
La Jolla Bank, FSB
Xxxx Xxxxxx Xxx 0000
Xxxxxx Xxxxx Xx, XX 00000
Attention: Xxxx X. Xxxx, President and Chief Executive Officer
Copy to:
Xxxxxx X. Xxxx
000 Xxxxxxx Xxxxxx
Xxxxxxxx, Xxxxxxxxxxx 00000
Additional Copy to:
Xxxxxx Xxxx & Xxxxxxxx, LLP
0000 Xxxxxxxxxxx Xxxxxx, XX
Xxxxxxxxxx, X.X. 00000
Attention: Xxxxxxxxx Xxxxxxxxx, Esq.
If to Buyer:
00
Xxxxx Xxxxx Bank
000 Xxxxx Xxxx Xxxx
Xxxxxxxxxx, Xxx Xxxx 00000
Attention: Xxxxxx X. Xxxxxxxx, Chief Financial Officer
Copy to: Xxxxxx X. Xxxxxxxxx, General Counsel
Additional Copy to:
Elias, Matz, Xxxxxxx & Xxxxxxx, LLP
000 00xx Xxxxxx, X.X., 00xx Xxxxx
Xxxxxxxxxx, X.X. 00000
Attention: Xxxxxx Xxxxxxx, Esq.
(e) No party to this Agreement shall make, issue or release any public
announcement, statement or acknowledgement of the existence of, or reveal the
terms, conditions or the status of, the transactions provided for herein without
first attempting to the extent reasonably possible and in all cases with regard
to written matter, to clear such announcement, statement, acknowledgement, or
revelation with the other party, provided that Buyer or Seller may make any such
release or announcement which in the opinion of counsel for Seller or Buyer, as
the case may be, is necessary or appropriate to comply with applicable law. The
parties hereto agree that they will not unreasonably withhold, condition or
delay any such clearances.
(f) This Agreement may not be assigned by either Buyer or Seller without
the prior written consent of the other.
(g) The representations, warranties and covenants made by Seller and Buyer
set forth in this Agreement shall survive the Closing Date for one (1) year
after the Closing Date.
(h) This Agreement shall be governed by and construed in accordance with
the law's of the State of New York, to the extent not governed by federal law.
(i) If any part of this Agreement shall be adjudged by any court of
competent jurisdiction to be invalid, such judgment shall not impair any other
provision hereof.
27
(j) This Agreement, including all exhibits referred to herein and made a
part hereof, may be executed in duplicate, each of which shall be a valid and
binding original, but all of which taken together shall constitute one and the
same instrument.
(k) This Agreement constitutes the entire agreement between the parties
hereto pertaining to the subject matter hereof and supersedes all prior and
contemporaneous agreements and understandings of the parties in connection
therewith. No modification or termination of this Agreement shall be binding
unless executed in writing by both parties hereto. No waiver of any provision of
this Agreement shall be deemed to be, or shall constitute a waiver of any other
provision hereof (whether or not similar) nor shall such waiver constitute a
continuing waiver.
IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed as of the day and year first above written:
La Jolla Bank
By: /s/ Xxxx X. Xxxx
-------------------------------------
Xxxx X. Xxxx, President
Union State Bank
By: /s/ Xxxxxx X. Xxxxxxxx
-------------------------------------
Xxxxxx X. Xxxxxxxx, Senior Executive
Vice President and Chief Financial
Officer
28
Index to Exhibits
A. List of Branch Offices
B. Identification of Liabilities
X-x. Summary
C. Contractual obligations and copies of related documents
D. Operating Assets
E. Identification of Account Loans
F. Xxxx of Sale and Assignment of Assets
G. Assignment and Assumption Agreement
H. Executed copies of Leases for the respective Branch Offices
I. Form of Seller's Counsel's Opinion
J. Form of Buyer's Counsel's Opinion
29
EXHIBIT A
LIST OF BRANCH OFFICES
1. 00 Xxxx 00xx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000
2. 000 Xxxxxxx Xxxxxx
Xxxxxxxx, Xxxxxxxxxxx 00000
30
EXHIBIT B
IDENTIFICATION OF LIABILITIES
Attached as Exhibit B-1 is a summary of the Liabilities to be assumed consisting
of various accounts at the Stamford and New York City branches as of April 30,
2000. The Liabilities to be assumed shall not include brokered deposits, loan
hold back accounts, overdrawn accounts, other wholesale deposits and Affiliate
Deposits** ("Excluded Deposits"). As of April 30, 2000, the Excluded Deposits
are as follows:
o Officer, director and employee accounts total approximately
$602,000.00. Of this total, $542,000.00 is in type 16, three check a
month and $60,000.00 is a CD.
o Loan Hold back accounts total approximately $328,000.00 and are
included in type 03, Statement Savings.
o Two overdrawn accounts totaling $471.00.
** Affiliate Deposits are hereby defined as those deposits maintained at the
Branches and owned by related entities of Seller including correspondent banks,
subsidiaries, employees, officers, directors or major shareholders or entities
in which Seller has an interest greater than ten (10%) percent.
31
INST 75P BRANCH 50 SEQ-TYPE 5 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 149
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 59 03 39300 23798.92 29APR00 .00 .00 0 97 03 39300 4763.14 08APR00 .00 .00
0 218 03 39300 18.03 02MAY95 .00 .00 0 241 03 39300 26.47 12JUN98 .00 .00
0 276 03 39300 4718.93 17APR00 .00 .00 0 342 03 39300 953.83 19AUG99 .00 .00
0 369 03 39300 38938.61 14JAN00 .00 .00 0 370 03 39300 37041.77 14JAN00 .00 .00
0 426 03 39300 86 1332.67 03JUN99 .00 .00 0 437 03 39300 86 2359.02 26APR00 .00 .00
0 439 03 39300 16270.09 15OCT99 .00 .00 0 455 03 39300 1326.47 16MAR00 .00 .00
0 498 03 39300 28635.61 11APR00 .00 .00 0 536 03 39300 13694.13 11APR00 .00 .00
0 581 03 39300 779.10 05NOV99 .00 .00 0 592 03 39300 917.32 27DEC99 .00 .00
0 625 03 39300 86 3118.24 07APR00 .00 .00 0 634 03 39300 52.54 04APR00 .00 .00
0 728 03 39300 34.19 15JUL99 .00 .00 0 757 03 39300 64 272.35 28APR00 .00 .00
0 773 03 39300 38 6364.70 09DEC99 .00 .00 0 805 03 39300 401.04 20SEP99 .00 .00
0 848 03 39300 651.05 20SEP99 .00 .00 0 864 03 39300 64 5960.68 18APR00 .00 .00
0 887 03 39300 39272.53 24APR00 .00 .00 0 888 03 39300 7950.93 27DEC99 .00 .00
0 893 03 39300 6308.31 21OCT99 .00 .00 0 897 03 39300 5925.43 06APR00 .00 .00
0 898 03 39300 1795.35 09JAN95 .00 .00 0 901 03 39300 4889.17 18APR00 .00 .00
0 902 03 39300 14.07 08FEB99 .00 .00 0 908 03 39300 1927.02 08MAR00 .00 .00
0 911 03 39300 6189.46 24JAN00 .00 .00 0 912 03 39300 9541.71 18MAR00 .00 .00
0 915 03 39300 436.48 19APR00 .00 .00 0 929 03 39300 227.27 08SEP99 .00 .00
0 937 03 39300 10084.24 23MAR00 .00 .00 0 938 03 39300 1540.98 13JUL99 .00 .00
0 947 03 39300 1500.15 13APR00 .00 .00 0 950 03 39300 2.20 23MAR98 .00 .00
0 956 03 39300 72318.49 03APR00 .00 .00 0 958 03 39300 45235.98 11APR00 .00 .00
0 960 03 39300 32386.37 28APR00 .00 .00 0 963 03 39300 10447.01 17APR00 .00 .00
0 964 03 39300 179.68 17APR00 .00 .00 0 969 03 39300 55.45 28OCT99 .00 .00
0 971 03 39300 10830.92 08APR00 .00 .00 0 972 03 39300 4864.93 23NOV99 .00 .00
0 976 03 39300 13647.25 19NOV99 .00 .00 0 986 03 39300 65305.58 21MAR00 .00 .00
0 998 03 39300 1800.07 15MAR00 .00 .00 0 1000 03 39300 8118.05 26APR00 .00 .00
0 1006 03 39300 100.62 06APR00 .00 .00 0 1012 03 39300 86227.18 17FEB00 .00 .00
0 1018 03 39300 29839.57 28OCT99 .00 .00 0 1028 03 39300 64 2265.41 17APR00 .00 .00
0 1033 03 39300 38 2283.37 02JUL96 .00 .00 0 1036 03 39300 979.47 28APR00 .00 .00
0 1045 03 39300 12278.26 20MAR00 .00 .00 0 1057 03 39300 38 35385.36 03APR00 .00 .00
0 1063 03 39300 151.58 02SEP99 .00 .00 0 1068 03 39300 9924.25 03APR00 .00 .00
0 1081 03 39300 .52 13DEC99 .00 .00 0 1083 03 39300 280.11 15APR99 .00 .00
0 1084 03 39300 64 308.60 28APR00 .00 .00 0 1085 03 39300 416.94 28APR00 .00 .00
0 1090 03 39300 1826.87 18DEC99 .00 .00 0 1093 03 39300 825.96 04APR00 .00 .00
0 1096 03 39300 64 32281.74 09FEB00 .00 .00 0 1102 03 39300 8532.64 27APR00 .00 .00
0 1105 03 39300 22.11 23JUL99 .00 .00 0 1107 03 39300 3575.54 05MAR97 .00 .00
0 1113 03 39300 2.65 12NOV99 .00 .00 0 1115 03 39300 8869.84 23DEC99 .00 .00
0 1120 03 39300 718.02 28APR00 .00 .00 0 1129 03 39300 2825.91 26JAN00 .00 .00
0 1130 03 39300 749.31 24MAR00 .00 .00 0 1143 03 39300 4.22 15FEB00 .00 .00
0 1159 03 39300 29780.37 21DEC99 .00 .00 0 1160 03 39300 3734.94 24APR00 .00 .00
0 1164 03 39300 167.31 31DEC99 .00 .00 0 1166 03 39300 5087.73 03DEC99 .00 .00
0 1167 03 39300 20966.49 06APR00 .00 .00 0 1171 03 39300 853.03 05APR00 .00 .00
0 1172 03 39300 262.23 27APR00 .00 .00 0 1177 03 39300 283.40 14OCT99 .00 .00
0 1183 03 39300 6137.42 08MAR00 .00 .00 0 1185 03 39300 10808.14 27DEC99 .00 .00
0 1190 03 39300 154.41 17MAR00 .00 .00 0 1191 03 39300 11.86 10JAN00 .00 .00
0 1196 03 39300 537.75 30MAR98 .00 .00 0 1200 03 39300 4795.77 23FEB00 .00 .00
0 1201 03 39300 8.53 04JAN00 .00 .00 0 1203 03 39300 1244.29 19APR99 .00 .00
0 1205 03 39300 110.14 20JAN99 .00 .00 0 1208 03 39300 3.81 14SEP98 .00 .00
0 1211 03 39300 2750.90 03APR00 .00 .00 0 1212 03 39300 11455.59 28APR00 .00 .00
0 1213 03 39300 .63 29JUN98 .00 .00 0 1214 03 39300 7180.14 08NOV99 .00 .00
0 1219 03 39300 64 10070.52 20APR00 .00 .00 0 1224 03 39300 12742.99 11JAN99 .00 .00
0 1226 03 39300 25785.36 13JAN99 .00 .00 0 1230 03 39300 16073.44 22SEP98 .00 .00
0 1235 03 39300 14604.25 28APR00 .00 .00 0 1236 03 39300 9783.19 18APR00 .00 .00
0 1237 03 39300 1326.30 05APR00 .00 .00 0 1242 03 39300 3216.03 03APR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 5 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 150
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1244 03 39300 25975.05 30SEP98 .00 .00 0 1245 03 39300 610.15 24APR00 .00 .00
0 1248 03 39300 3762.49 27APR00 .00 .00 0 1252 03 39300 20165.58 19APR00 .00 .00
0 1254 03 39300 8566.62 12APR00 .00 .00 0 1258 03 39300 17826.49 03APR00 .00 .00
0 1260 03 39300 507.19 07JAN00 .00 .00 0 1263 03 39300 1551.40 20SEP99 .00 .00
0 1264 03 39300 2088.56 28JAN00 .00 .00 0 1265 03 39300 45034.07 09NOV98 .00 .00
0 1266 03 39300 30510.79 09NOV98 .00 .00 0 1271 03 39300 18204.31 23NOV98 .00 .00
0 1273 03 39300 1548.40 20SEP99 .00 .00 0 1274 03 39300 2113.76 01DEC98 .00 .00
0 1276 03 39300 391.13 20SEP99 .00 .00 0 1278 03 39300 10578.30 04DEC98 .00 .00
0 1280 03 39300 35914.74 04FEB00 .00 .00 0 1286 03 39300 44.74 21DEC99 .00 .00
0 1287 03 39300 9143.31 08NOV99 .00 .00 0 1302 03 39300 2243.39 20APR00 .00 .00
0 20071 03 39300 10669.24 10FEB99 .00 .00 0 20074 03 39300 2216.12 02MAR99 .00 .00
0 20088 03 39300 15932.93 28APR00 .00 .00 0 20115 03 39300 1036.98 10MAY99 .00 .00
0 20135 03 39300 16915.93 23FEB99 .00 .00 0 20137 03 39300 6733.17 24JAN00 .00 .00
0 20138 03 39300 .00 24FEB99 .00 .00 0 20218 03 39300 15481.54 13OCT99 .00 .00
0 20253 03 39300 22.74 11MAY99 .00 .00 0 20257 03 39300 49 32330.09 19MAR99 .00 .00
0 20264 03 39300 283.91 15FEB00 .00 .00 0 20265 03 39300 75783.18 27DEC99 .00 .00
0 20284 03 39300 11.74 27MAY99 .00 .00 0 20296 03 39300 60 1490.03 26MAR99 .00 .00
0 20297 03 39300 4054.97 27APR00 .00 .00 0 20306 03 39300 39 6128.31 25APR00 .00 .00
0 20312 03 39300 4123.74 29MAR99 .00 .00 0 20316 03 39300 30660.37 25APR00 .00 .00
0 20318 03 39300 319.03 22DEC99 .00 .00 0 20365 03 39300 19350.21 19APR99 .00 .00
0 20369 02 48900 4652.54 14APR99 .00 .00 0 20374 03 39300 2083.84 15APR99 .00 .00
0 20383 03 39300 1982.66 19APR99 .00 .00 0 20389 03 39300 22341.50 20APR99 .00 .00
0 20439 03 39300 251.51 06JAN00 .00 .00 0 20446 03 39300 30092.80 08NOV99 .00 .00
0 20451 03 39300 743.84 11JAN00 .00 .00 0 20490 03 39300 3063.79 05APR00 .00 .00
0 20513 03 39300 11028.37 20MAY99 .00 .00 0 20706 03 39300 12425.76 07MAR00 .00 .00
0 20708 03 39300 21601.98 27APR00 .00 .00 0 20710 03 39300 2445.77 11FEB00 .00 .00
0 20716 03 39300 85769.92 24JUN99 .00 .00 0 20729 03 39300 1278.36 24JUN99 .00 .00
0 20744 03 39300 1459.37 27APR00 .00 .00 0 20745 02 48900 47.07 25FEB00 .00 .00
0 20746 02 48900 48.08 25FEB00 .00 .00 0 20854 02 48900 722.73 28MAR00 .00 .00
0 20856 02 48900 748.32 23DEC99 .00 .00 0 20858 02 48900 748.32 23DEC99 .00 .00
0 20969 00 39300 515.22 27JUL99 .00 .00 0 21000 03 39300 5939.79 30JUL99 .00 .00
0 21231 02 48900 1.00 26AUG99 .00 .00 0 21232 02 48900 1.00 26AUG99 .00 .00
0 21301 03 39300 155.95 24FEB00 .00 .00 0 21318 03 39300 551.30 12OCT99 .00 .00
0 21534 02 48900 509.65 10DEC99 .00 .00 0 21550 00 39300 20352.01 16DEC99 .00 .00
0 21677 00 39300 1010.37 26JAN00 .00 .00 0 21678 00 39300 1087.27 04APR00 .00 .00
0 21679 00 39300 100.79 17FEB00 .00 .00 0 21681 00 39300 1107.24 01MAR00 .00 .00
0 21682 03 39300 88 1143.32 28APR00 .00 .00 0 21683 00 39300 88 1834.66 18APR00 .00 .00
0 21684 00 39300 88 1566.37 18APR00 .00 .00 0 21686 00 39300 88 15448.04 04APR00 .00 .00
0 21688 00 39300 88 1302.78 05APR00 .00 .00 0 21689 00 39300 88 939.83 21APR00 .00 .00
0 21690 00 39300 88 681.46 11APR00 .00 .00 0 21692 02 48900 88 5.01 18APR00 .00 .00
0 21693 02 48900 88 5.01 18APR00 .00 .00 0 21694 02 48900 88 5.01 18APR00 .00 .00
0 21695 02 48900 88 5.01 18APR00 .00 .00 0 50086 03 39300 105039.75 12FEB99 .00 .00
0 900110 01 24800 39 27042.76 11MAR98 .00 .00 0 900114 01 24800 39 16550.29 08OCT99 .00 .00
0 900124 01 24800 39 22411.88 19FEB98 .00 .00 0 900147 01 24800 39 79209.23 01JUL98 .00 .00
0 900149 01 24800 39 17778.81 07MAY99 .00 .00 0 900166 01 24800 39 4154.26 16SEP98 .00 .00
0 900178 01 24800 39 156378.45 11JUN99 .00 .00 0 900180 01 24800 39 28128.03 10SEP99 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 151
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 12 00000 .01 17MAY99 .00 .00 0 2 19 00000 38 .01 17MAY99 .00 .00
0 1413 11 27200 86 188.93 26APR00 .00 .00 0 1693 11 27200 373.79 24APR00 .00 .00
0 1804 11 27200 613.74 28APR00 .00 .00 0 1812 11 27200 10330.86 27APR00 .00 .00
0 1901 11 27200 269.34 12NOV99 .00 .00 0 1936 11 27200 686.40 28APR00 .00 .00
0 1944 11 27200 18257.99 19APR00 .00 .00 0 10028 11 27200 10375.46 19APR00 12.53 .00
0 10044 18 29600 6166.73 17APR00 4.50 .00 0 10050 14 00000 1702.02 29APR00 .00 .00
0 10051 15 00000 351331.74 27APR00 .00 .00 0 10052 11 27200 1631.13 28APR00 .78 .00
0 10053 18 29600 16934.46 28APR00 11.43 .00 0 10056 11 27200 5466.12 29APR00 2.96 .00
0 10058 18 29600 7972.21 28APR00 6.28 .00 0 10059 15 00000 5360.14 14APR00 .00 .00
0 10061 15 00000 61.00 06JUL99 .00 .00 0 10064 11 27200 5355.67 27APR00 .80 .00
0 10065 16 51300 132953.67 19NOV99 37.37 .00 0 10067 14 00000 453.46 28APR00 .00 .00
0 10068 18 29600 441.71 15MAROO 1 .07 .00 0 10069 11 27200 1070.62 21OCT99 .16 .00
0 10070 15 00000 64 3548.37 28APR00 .00 .00 0 10071 16 51300 1473.48 26APR00 .41 .00
0 10072 15 00000 1432.71 27APR00 .00 .00 0 10073 10 29600 1253.82 28APR00 .20 .00
0 10074 18 29600 14987.93 07DEC99 2.43 .00 0 10075 15 00000 42.56 22FEB00 .00 .00
0 10076 11 27200 2839.63 17APR00 .42 .00 0 10079 16 51300 105353.48 02JUN99 29.61 .00
0 10081 16 51300 23079.42 06APR00 .00 .00 0 10084 16 51300 7289.62 24APR00 .00 .00
0 10085 16 51300 2232.47 12MAY99 .00 .00 0 10086 16 51300 15723.65 21APR00 .00 .00
0 10087 16 51300 11225.74 14APR00 .00 .00 0 10088 16 51300 37770.39 31MAR00 .00 .00
0 10089 16 51300 19760.78 11APR00 .00 .00 0 10090 16 51300 4842.79 31MAR00 .00 .00
0 10091 16 51300 16650.19 27MAR00 .00 .00 0 10092 16 51300 5295.54 20MAY99 .00 .00
0 10095 16 51300 38135.93 20APR00 .00 .00 0 10096 16 00000 2.94 09MAR00 .00 .00
0 10098 16 51300 104187.13 24APR00 .00 .00 0 10099 16 51300 64 47041.49 14APR00 .00 .00
0 10100 16 51300 16110.32 24MAR00 52.08 .00 0 10102 11 27200 301.96 30JUN99 .52 .00
0 10103 16 51300 88448.62 28MAY99 285.92 .00 0 10104 16 51300 9338.65 19APR00 29.67 .00
0 10105 16 51300 33632.28 05JAN00 108.72 .00 0 10106 16 51300 7837.55 05JAN00 25.34 .00
0 10107 11 27200 4999.14 28APR00 8.00 .00 0 10108 16 51300 2463.22 15FEB00 7.96 .00
0 10109 16 51300 12308.70 13APR00 40.53 .00 0 10110 16 51300 8692.96 01SEP99 28.10 .00
0 10111 16 51300 70891.72 20JUL99 229.16 .00 0 10112 16 51300 34152.66 03JUN99 110.40 .00
0 10113 16 51300 114721.48 03JUN99 370.85 .00 0 10114 16 51300 25993.86 19APR00 83.87 .00
0 10115 11 27200 2506.86 28APR00 3.06 .00 0 10116 16 51300 10763.45 07APR00 34.79 .00
0 10117 16 51300 5638.84 07JAN00 18.23 .00 0 10119 16 51300 99346.97 08JUN99 332.39 .00
0 10120 16 51300 21291.15 08JUN99 47.88 .00 0 10122 16 51300 62361.85 08JUN99 140.24 .00
0 10123 16 51300 10745.53 08JUN99 24.16 .00 0 10124 16 51300 7052.93 13SEP99 15.86 .00
0 10125 16 51300 42783.58 23MAR00 96.21 .00 0 10126 16 51300 94261.20 10SEP99 211.97 .00
0 10127 16 51300 3754.39 25FEB00 8.44 .00 0 10128 16 51300 206372.57 18APR00 500.76 .00
0 10129 16 51300 15539.69 13APR00 34.95 .00 0 10130 16 51300 20870.36 15JUN99 46.93 .00
0 10131 18 29600 2170.22 29APR00 3.50 .00 0 10132 16 51300 9927.24 30JUN99 22.32 .00
0 10133 16 51300 4469.02 21JUL99 10.05 .00 0 10134 16 51300 23921.74 23MAR00 53.79 .00
0 10135 16 51300 1410.91 18JUN99 3.17 .00 0 10136 16 51300 97166.40 17NOV99 218.50 .00
0 10137 16 51300 78562.11 29JUN99 176.67 .00 0 10138 16 51300 10535.00 21JUN99 23.69 .00
0 10139 16 51300 1506.63 14OCT99 3.39 .00 0 10140 16 51300 10854.88 03AUG99 13.73 .00
0 10143 16 51300 7873.15 04NOV99 9.96 .00 0 10145 16 51300 14560.02 24JUN99 18.42 .00
0 10146 19 39300 995.54 27APR00 1.12 .00 0 10147 16 51300 16226.78 25APR00 24.74 .00
0 10148 16 51300 111.28 03JAN00 .14 .00 0 10149 16 51300 10518.76 15NOV99 13.31 .00
0 10150 16 51300 49 79609.13 06JUL99 257.34 .00 0 10151 16 00000 45.30 22FEB00 .00 .00
0 10153 16 51300 58398.36 07JUL99 73.87 .00 0 10154 18 29600 20782.30 27APR00 14.92 .00
0 10155 16 51300 1382.09 07JUL99 1.75 .00 0 10156 16 51300 5868.34 21OCT99 18.97 .00
0 10157 16 51300 42978.02 19APR00 151.28 .00 0 10158 16 51300 4619.84 10JAN00 5.84 .00
0 10159 16 51300 21912.83 20DEC99 27.72 .00 0 10160 16 51300 193214.84 22DEC99 54.31 .00
0 10161 16 51300 41703.02 30DEC99 134.81 .00 0 10162 16 51300 55261.08 13JUL99 178.64 .00
0 10163 16 51300 6892.34 23MAR00 22.28 .00 0 10164 09 53700 543.97 14APR00 10.67 .00
0 10165 09 53700 52174.43 14JUL99 15.35 .00 0 10167 09 53700 26540.22 04APR00 7.81 .00
0 10169 09 53700 19384.18 27APR00 5.70 .00 0 10170 09 00000 33.54 13APR00 .69 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 152
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10171 09 53700 45150.08 15NOV99 13.29 .00 0 10172 16 51300 3424.05 22MAR00 11.07 .00
0 10173 16 51300 12377.19 28MAR00 40.01 .00 0 10174 16 51300 33194.53 15MAR00 9.33 .00
0 10175 16 51300 41631.14 19JUL99 11.70 .00 0 10176 16 51300 20739.01 03APR00 67.04 .00
0 10178 16 51300 17779.23 13DEC99 5.00 .00 0 10179 11 27200 1514.03 29APR00 .23 .00
0 10181 09 53700 3190.96 22MAR00 .00 .00 0 10182 16 00000 55.93 21APR00 .00 .00
0 10183 16 51300 1251.05 09MAR00 4.04 .00 0 10184 16 51300 73232.26 23DEC99 236.73 .00
0 10186 16 51300 9548.48 21APR00 .00 .00 0 10188 16 51300 57412.74 28JUL99 .00 .00
0 10190 16 51300 49 7807.90 09DEC99 .00 .00 0 10191 16 51300 8217.11 29JUL99 .00 .00
0 10192 16 51300 2404.97 12OCT99 7.77 .00 0 10193 16 51300 20649.48 30JUL99 66.75 .00
0 10194 16 51300 6104.48 14APR00 .00 .00 0 10195 16 51300 10975.92 20AUG99 .00 .00
0 10196 16 51300 43762.38 20APR00 .00 .00 0 10197 16 51300 20768.97 06AUG99 .00 .00
0 10198 10 29600 10034.86 24APR00 .00 .00 0 10199 16 51300 113.95 26JAN00 .37 .00
0 10200 16 51300 17573.23 22FEB00 56.81 .00 0 10201 16 51300 18834.77 18OCT99 60.89 .00
0 10202 16 51300 60 6674.52 27APR00 34.93 .00 0 10203 16 51300 2807.49 03APR00 9.08 .00
0 10204 16 51300 9573.90 23FEB00 30.95 .00 0 10205 10 29600 778.43 28APR00 1.54 .00
0 10206 16 51300 8918.54 28APR00 20.66 .00 0 10207 16 51300 43492.61 03AUG99 140.59 .00
0 10208 16 51300 55549.15 09MAR00 179.57 .00 0 10210 16 51300 89641.17 27APR00 289.81 .00
0 10211 16 51300 110314.22 27APR00 356.64 .00 0 10212 16 51300 63599.81 28MAR00 205.59 .00
0 10213 16 51300 80973.30 29MAR00 261.75 .00 0 10214 16 51300 33211.75 05AUG99 107.36 .00
0 10215 16 51300 91720.98 25APR00 293.57 .00 0 10216 16 51300 2157.88 15OCT99 6.98 .00
0 10217 16 51300 25100.00 24APR00 91.56 .00 0 10218 16 51300 139680.01 09AUG99 451.53 .00
0 10219 16 51300 100019.67 13APR00 323.75 .00 0 10220 16 51300 64 44541.04 27JAN00 .00 .00
0 10221 16 51300 6535.73 03MAR00 14.70 .00 0 10222 16 51300 30545.54 18APR00 70.30 .00
0 10223 16 51300 3818.67 21APR00 .00 .00 0 10224 16 51300 101792.67 25MAY99 228.91 .00
0 10226 11 27200 457.81 15FEB00 .55 .00 0 10228 16 51300 11387.59 26APR00 35.11 .00
0 10229 16 51300 9305.52 05APR00 20.93 .00 0 10230 16 51300 21018.49 07JAN00 47.27 .00
0 10231 16 51300 8465.53 27MAR00 27.37 .00 0 10234 16 51300 27012.35 25FEB00 60.74 .00
0 10236 16 51300 40 96350.91 21APR00 218.43 .00 0 10237 16 51300 6521.42 27APR00 25.90 .00
0 10238 16 51300 10803.68 19APR00 23.99 .00 0 10239 16 51300 171801.08 17AUG99 386.34 .00
0 10240 16 51300 8285.46 16AUG99 10.48 .00 0 10241 16 51300 47080.69 27APR00 148.22 .00
0 10243 16 51300 101575.38 20MAR00 128.49 .00 0 10244 16 51300 97078.31 28APR00 58.64 .00
0 10245 16 51300 7555.06 06MAR00 24.42 .00 0 10246 16 51300 16970.41 24MAR00 21.47 .00
0 10247 16 51300 6933.77 09SEP99 8.77 .00 0 10248 16 51300 11891.43 06MAR00 15.04 .00
0 10250 16 51300 55165.09 20AUG99 178.33 .00 0 10251 16 51300 24447.12 07APR00 30.92 .00
0 10252 16 51300 47796.00 27APR00 60.44 .00 0 10254 16 51300 79800.65 07JAN00 257.96 .00
0 10255 16 51300 15275.44 28APR00 47.57 .00 0 10256 16 51300 42494.11 16MAR00 53.75 .00
0 10257 16 51300 60755.79 19APR00 76.85 .00 0 10258 16 51300 82786.39 10SEP99 104.72 .00
0 10259 16 51300 83069.30 21APR00 105.08 .00 0 10261 16 51300 38606.80 08MAR00 10.85 .00
0 10262 16 51300 64444.83 26APR00 18.12 .00 0 10263 16 51300 5514.89 17APR00 1.55 .00
0 10264 16 51300 4557.40 26APR00 1.28 .00 0 10265 16 51300 3620.33 26APR00 1.02 .00
0 10266 16 51300 43344.74 27AUG99 140.12 .00 0 10267 16 51300 40049.80 27AUG99 11.26 .00
0 10268 16 51300 50248.70 27AUG99 14.12 .00 0 10269 16 51300 23168.46 20APR00 94.91 .00
0 10270 16 51300 2614.63 17MAR00 .73 .00 0 10271 16 51300 28716.00 10APR00 8.07 .00
0 10272 19 39300 2176.12 28APR00 .47 .00 0 10273 16 51300 16659.27 28APR00 4.68 .00
0 10274 16 51300 64 1555.05 03SEP99 .44 .00 0 10275 16 51300 8272.70 03SEP99 2.33 .00
0 10276 16 51300 232.69 21JAN00 .07 .00 0 10277 16 51300 9543.42 10APR00 2.68 .00
0 10278 16 51300 4679.15 10APR00 1.32 .00 0 10279 16 51300 4577.47 09SEP99 1.29 .00
0 10280 16 51300 1287.92 13SEP99 2.90 .00 0 10281 16 51300 1895.85 01NOV99 .00 .00
0 10282 16 51300 3803.32 15SEP99 .00 .00 0 10283 16 51300 5934.18 24APR00 .00 .00
0 10285 16 51300 344.11 20MAR00 .00 .00 0 10286 16 51300 10185.63 21SEP99 .00 .00
0 10289 16 51300 32539.74 24APR00 .00 .00 0 10290 16 51300 3796.93 13APR00 .00 .00
0 10291 16 51300 51537.89 28SEP99 .00 .00 0 10292 16 51300 8116.21 28FEB00 .00 .00
0 10293 16 51300 2361.37 17APR00 .00 .00 0 10294 16 51300 2179.30 19APR00 .00 .00
0 10295 16 51300 15525.37 27APR00 .00 .00 0 10296 16 51300 12699.09 06MAR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 153
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10297 16 51300 21601.26 24FEB00 .00 .00 0 10298 16 51300 123.54 18APR00 .00 .00
0 10299 16 51300 46748.11 03MAR00 .00 .00 0 10300 16 51300 104085.70 08OCT99 336.47 .00
0 10301 16 51300 248.37 06MAR00 .80 .00 0 10302 16 51300 114583.35 15OCT99 370.40 .00
0 10303 10 29600 319.51 26APR00 1.18 .00 0 10304 16 51300 1902.14 25FEB00 6.15 .00
0 10305 16 51300 27799.39 25APR00 116.57 .00 0 10306 16 51300 15082.33 11APR00 48.76 .00
0 10307 16 51300 27189.02 28APR00 85.51 .00 0 10308 16 51300 14710.22 22DEC99 47.55 .00
0 10309 16 51300 3965.69 27MAR00 12.82 .00 0 10310 16 51300 1118.45 05APR00 4.74 .00
0 10311 09 53700 16346.93 28FEB00 55.32 .00 0 10312 16 51300 20027.67 06APR00 64.74 .00
0 10313 16 51300 6504.04 24APR00 21.03 .00 0 10314 16 51300 10162.92 03APR00 32.85 .00
0 10315 16 51300 53947.52 28APR00 162.72 .00 0 10318 16 51300 69015.17 07APR00 223.10 .00
0 10319 16 51300 15589.19 22OCT99 50.39 .00 0 10320 16 51300 61745.52 25OCT99 138.85 .00
0 10321 16 51300 10947.84 25OCT99 24.62 .00 0 10322 16 51300 6043.21 27OCT99 13.59 .00
0 10323 16 00000 25.28 03APR00 .00 .00 0 10324 16 51300 47108.14 04APR00 105.94 .00
0 10326 16 51300 20468.23 02NOV99 46.03 .00 0 10327 11 27200 516.01 29APR00 .45 .00
0 10328 16 51300 23264.91 01MAR00 52.32 .00 0 10329 10 29600 4654.45 27APR00 6.36 .00
0 10330 16 51300 31759.09 09NOV99 71.42 .00 0 10331 16 51300 3226.92 10APR00 7.26 .00
0 10332 16 51300 191878.82 20APR00 432.04 .00 0 10333 16 51300 10124.86 20APR00 20.94 .00
0 10334 16 51300 3025.25 25APR00 7.51 .00 0 10335 16 51300 839.42 22MAR00 1.89 .00
0 10336 16 51300 50807.67 17NOV99 114.25 .00 0 10337 16 51300 53915.58 22NOV99 121.24 .00
0 10338 16 51300 102005.79 03APR00 229.39 .00 0 10339 16 51300 30599.18 26NOV99 68.81 .00
0 10340 16 51300 13745.06 19APR00 17.39 .00 0 10343 16 51300 1720.31 21APR00 2.18 .00
0 10344 16 51300 98222.78 30NOV99 124.25 .00 0 10345 16 51300 15835.96 21APR00 20.03 .00
0 10346 16 51300 62181.07 07APR00 78.65 .00 0 10347 16 51300 29030.38 08MAR00 36.72 .00
0 10348 16 51300 92750.35 07DEC99 117.32 .00 0 10349 16 51300 2033.29 03APR00 2.57 .00
0 10350 16 51300 30189.00 09MAR00 38.19 .00 0 10351 19 39300 598.84 29APR00 .54 .00
0 10352 16 51300 90744.49 29DEC99 114.79 .00 0 10354 16 51300 8045.53 07APR00 10.18 .00
0 10355 16 51300 6189.34 17APR00 7.83 .00 0 10357 16 51300 5497.03 17DEC99 6.95 .00
0 10360 16 51300 20655.31 08FEB00 5.81 .00 0 10362 16 51300 1203.82 30DEC99 .34 .00
0 10363 16 51300 1848.57 30DEC99 .52 .00 0 10364 16 51300 91565.24 20APR00 25.74 .00
0 10365 16 51300 59132.33 10MAR00 16.62 .00 0 10366 16 51300 9149.90 11JAN00 2.57 .00
0 10367 16 51300 5326.69 08MAR00 1.50 .00 0 10368 16 51300 9131.89 27MAR00 2.57 .00
0 10369 16 51300 6532.81 04JAN00 1.84 .00 0 10370 16 51300 5393.65 05JAN00 1.52 .00
0 10371 16 51300 9792.36 24APR00 2.75 .00 0 10372 11 27200 2119.86 27APR00 .32 .00
0 10373 16 51300 6600.00 04APR00 1.86 .00 0 10374 16 51300 8209.94 20APR00 2.31 .00
0 10375 16 51300 16864.86 08MAR00 4.74 .00 0 10376 16 51300 14736.52 21JAN00 4.14 .00
0 10377 19 39300 2772.25 27APR00 .60 .00 0 10378 16 51300 10670.90 05APR00 3.00 .00
0 10379 19 39300 1921.78 14JAN00 .41 .00 0 10381 19 39300 4302.34 24APR00 .00 .00
0 10382 19 39300 5400.05 28APR00 .00 .00 0 10383 19 39300 202.34 14JAN00 .00 .00
0 10385 16 51300 21197.61 27JAN00 .00 .00 0 10386 16 51300 62828.18 24APR00 .00 .00
0 10387 16 51300 618.83 26APR00 .00 .00 0 10388 19 39300 8270.34 24APR00 19.99 .00
0 10390 16 51300 101.45 20JAN00 .00 .00 0 10391 16 51300 15325.41 10APR00 .00 .00
0 10392 16 51300 60 9231.18 20JAN00 .00 .00 0 10393 19 39300 622.99 28APR00 .00 .00
0 10394 16 51300 101510.15 08MAR00 .00 .00 0 10395 19 39300 8262.10 21JAN00 .00 .00
0 10396 19 39300 434.06 19APR00 .00 .00 0 10398 16 51300 1013.84 24JAN00 .00 .00
0 10399 16 51300 7250.94 28APR00 .00 .00 0 10400 19 39300 1455.39 07MAR00 3.60 .00
0 10401 16 51300 10471.08 17APR00 33.58 .00 0 10402 19 39300 92.93 07APR00 .23 .00
0 10403 19 39300 174.55 14APR00 .43 .00 0 10404 19 39300 2466.56 27APR00 6.29 .00
0 10405 19 39300 111.02 27APR00 .37 .00 0 10406 19 39300 47.88 17APR00 .16 .00
0 10407 19 39300 64 2204.91 28APR00 12.54 .00 0 10408 19 39300 12078.68 05APR00 29.91 .00
0 10409 16 51300 1009.58 31JAN00 3.26 .00 0 10410 16 51300 1655.15 06APR00 5.35 .00
0 10411 19 39300 100.72 01FEB00 .25 .00 0 10412 19 39300 6071.03 24APR00 18.30 .00
0 10413 16 51300 13224.61 02FEB00 42.75 .00 0 10415 19 39300 7419.15 28APR00 11.22 .00
0 10416 16 51300 2020.58 02FEB00 4.54 .00 0 10417 16 51300 157723.29 24APR00 415.37 .00
0 10418 19 39300 1007.02 03FEB00 2.49 .00 0 10419 16 51300 11541.35 19APR00 33.33 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 154
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10420 19 39300 100.78 03FEB00 .17 .00 0 10421 16 51300 2020.30 03FEB00 4.54 .00
0 10422 16 51300 38534.14 12APR00 86.65 .00 0 10423 16 51300 24368.92 12APR00 54.80 .00
0 10424 19 39300 603.22 27APR00 1.21 .00 0 10425 19 39300 5901.54 27MAR00 10.17 .00
0 10426 19 39300 1959.02 20APR00 3.54 .00 0 10427 16 51300 73362.23 08FEB00 164.97 .00
0 10428 16 51300 7683.52 16MAR00 17.28 .00 0 10429 16 51300 10093.00 09FEB00 22.70 .00
0 10430 19 39300 100.71 03MAR00 .17 .00 0 10431 16 51300 9188.24 19APR00 20.32 .00
0 10432 16 51300 31182.54 22MAR00 70.12 .00 0 10433 16 51300 90342.01 13MAR00 203.16 .00
0 10434 16 51300 7063.10 11FEB00 15.88 .00 0 10435 19 39300 435.71 27APR00 .35 .00
0 10436 16 00000 17.27 28APR00 1.68 .00 0 10437 16 51300 141.15 06APR00 .46 .00
0 10438 16 51300 60 7594.51 14FEB00 23.47 .00 0 10439 16 51300 63340.60 24APR00 142.00 .00
0 10440 16 51300 74716.45 15FEB00 94.51 .00 0 10441 16 51300 3017.36 21MAR00 3.82 .00
0 10442 16 51300 22183.80 08MAR00 28.06 .00 0 10443 16 51300 51 26468.09 16FEB00 33.48 .00
0 10444 16 51300 10092.98 16FEB00 12.77 .00 0 10445 16 51300 6046.11 16FEB00 7.65 .00
0 10446 16 51300 5591.15 04APR00 7.07 .00 0 10447 16 51300 1513.73 17FEB00 1.91 .00
0 10448 16 51300 100.91 17FEB00 .13 .00 0 10449 19 39300 3153.88 25APR00 3.12 .00
0 10450 19 39300 12612.43 28APR00 10.19 .00 0 10451 16 51300 5392.76 25APR00 6.75 .00
0 10452 19 39300 52 100.69 18FEB00 .10 .00 0 10453 16 51300 2016.90 22FEB00 2.55 .00
0 10454 16 51300 7967.18 06APR00 10.08 .00 0 10455 16 51300 7096.00 24APR00 8.89 .00
0 10456 16 51300 2127.84 23FEB00 2.69 .00 0 10457 19 39300 60 3078.89 24APR00 2.34 .00
0 10458 19 39300 100.63 23FEB00 .10 .00 0 10460 16 51300 4782.78 28APR00 6.25 .00
0 10461 19 39300 8778.40 28APR00 1.89 .00 0 10462 19 39300 704.83 24MAR00 .15 .00
0 10463 19 39300 1632.35 20MAR00 .35 .00 0 10464 19 39300 116.81 28APR00 1.87 .00
0 10465 16 51300 6808.04 14APR00 1.91 .00 0 10466 19 39300 100.63 01MAR00 .02 .00
0 10467 16 51300 17640.60 31MAR00 4.96 .00 0 10468 19 39300 10326.69 24APR00 2.22 .00
0 10469 16 51300 3435.26 13APR00 .97 .00 0 10470 16 51300 27159.53 19APR00 34.35 .00
0 10471 16 51300 1622.26 24MAR00 .46 .00 0 10472 16 51300 3213.80 28APR00 .90 .00
0 10473 19 00000 470.00-20MAR00 .00 .00 0 10474 19 39300 41020.27 27APR00 8.83 .00
0 10475 16 51300 3019.77 28MAR00 .85 .00 0 10476 19 39300 86.30 21MAR00 .02 .00
0 10477 19 39300 3274.95 27APR00 .71 .00 0 10478 16 51300 4407.51 18APR00 1.24 .00
0 10479 19 39300 29019.90 11APR00 6.25 .00 0 10480 16 51300 1099.86 17APR00 .00 .00
0 10481 19 39300 869.54 28MAR00 .00 .00 0 10482 16 51300 7831.72 21APR00 .00 .00
0 10483 16 51300 28848.78 26APR00 .00 .00 0 10484 19 39300 100.52 13MAR00 .00 .00
0 10485 16 51300 15103.48 13MAR00 .00 .00 0 10486 16 51300 5064.36 14APR00 .00 .00
0 10487 16 51300 2013.51 14MAR00 .00 .00 0 10488 16 51300 62887.22 14MAR00 .00 .00
0 10489 19 39300 765.42 19APR00 .00 .00 0 10490 19 39300 27287.77 28APR00 .00 .00
0 10491 19 39300 5021.74 28APR00 .00 .00 0 10492 19 39300 65.16 28APR00 .00 .00
0 10493 19 39300 60 100.48 17MAR00 .00 .00 0 10494 16 51300 3520.33 21MAR00 .00 .00
0 10495 16 51300 50389.24 20MAR00 .00 .00 0 10496 16 51300 46501.54 20MAR00 .00 .00
0 10497 19 39300 411.23 27APR00 .00 .00 0 10498 16 51300 85346.38 04APR00 .00 .00
0 10499 19 39300 3328.87 27APR00 .00 .00 0 10500 19 39300 1369.10 28APR00 2.56 .00
0 10501 19 39300 604.52 28APR00 .72 .00 0 10502 19 39300 2962.61 24APR00 12.39 .00
0 10503 19 39300 3362.48 28APR00 69.68 .00 0 10504 16 51300 12350.57 22MAR00 39.92 .00
0 10505 19 39300 1577.91 04APR00 3.91 .00 0 10506 19 39300 507.76 25APR00 1.21 .00
0 10507 16 51300 5011.24 23MAR00 16.20 .00 0 10508 19 39300 2478.04 19APR00 7.18 .00
0 10509 16 51300 5212.31 05APR00 16.85 .00 0 10510 16 51300 10522.14 24MAR00 34.01 .00
0 10511 16 51300 16279.71 28APR00 35.03 .00 0 10512 19 39300 572.04 28APR00 .36 .00
0 10513 19 39300 1001.62 24MAR00 2.48 .00 0 10514 16 51300 7886.40 27MAR00 25.49 .00
0 10515 19 39300 1722.63 27APR00 3.80 .00 0 10516 19 39300 100.12 28MAR00 .25 .00
0 10517 19 39300 60 100.12 28MAR00 .25 .00 0 10518 16 51300 13466.70 29MAR00 43.53 .00
0 10519 19 39300 3116.28 26APR00 5.67 .00 0 10520 16 51300 5408.18 12APR00 12.16 .00
0 10521 19 39300 6895.32 05APR00 11.88 .00 0 10522 16 51300 1002.25 30MAR00 2.25 .00
0 10523 19 39300 226.17 28APR00 .20 .00 0 10524 19 39300 88 997.56 27APR00 1.61 .00
0 10525 16 51300 88 75158.12 31MAR00 169.01 .00 0 10526 16 51300 88 6053.27 14APR00 13.61 .00
0 10527 19 39300 88 80.86 27APR00 .60 .00 0 10528 16 51300 88 22534.48 18APR00 46.47 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 155
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10529 19 39300 88 100.13 03APR00 .17 .00 0 10530 16 51300 88 3947.35 03APR00 8.88 .00
0 10531 16 51300 88 3518.27 18APR00 3.28 .00 0 10532 19 39300 88 4340.42 28APR00 7.62 .00
0 10533 19 39300 88 3592.73 18APR00 6.19 .00 0 10534 16 51300 88 950.82 27APR00 20.23 .00
0 10535 19 39300 88 250.27 05APR00 .43 .00 0 10536 19 39300 88 50.11 24APR00 .13 .00
0 10537 16 51300 88 9148.93 28APR00 18.13 .00 0 10538 16 51300 88 1802.53 05APR00 4.05 .00
0 10539 19 39300 60 298.03 28APR00 .58 .00 0 10540 19 39300 88 138.65 27APR00 .12 .00
0 10541 16 51300 88 773.67 17APR00 .98 .00 0 10542 16 51300 88 1001.69 10APR00 1.27 .00
0 10543 19 39300 88 100.13 10APR00 .10 .00 0 10544 19 39300 88 100.13 10APR00 .10 .00
0 10545 16 51300 88 4006.18 11APR00 5.07 .00 0 10547 19 39300 88 684.02 29APR00 1.82 .00
0 10548 19 39300 88 100.11 12APR00 .10 .00 0 10549 16 51300 60 2063.61 13APR00 2.61 .00
0 10550 19 39300 88 2001.72 14APR00 1.94 .00 0 10551 19 39300 88 100.05 17APR00 .10 .00
0 10552 16 51300 88 1501.05 17APR00 1.90 .00 0 10553 16 51300 60 84013.28 17APR00 106.27 .00
0 10554 19 39300 88 100.05 17APR00 .10 .00 0 10555 16 51300 88 5003.51 17APR00 6.33 .00
0 10556 19 39300 88 3100.03 24APR00 2.36 .00 0 10557 16 51300 88 95040.06 19APR00 120.22 .00
0 10558 19 39300 88 4409.92 19APR00 4.27 .00 0 10559 19 39300 88 66.40 20APR00 .06 .00
0 10560 19 39300 88 100.01 21APR00 .10 .00 0 10561 19 39300 88 284.41 21APR00 .06 .00
0 10562 19 39300 88 840.21 26APR00 .18 .00 0 10563 19 39300 88 100.05 24APR00 .02 .00
0 10564 19 39300 88 100.05 24APR00 .02 .00 0 10565 19 39300 88 100.04 25APR00 .02 .00
0 10566 19 39300 88 100.04 25APR00 .02 .00 0 10567 19 39300 88 3001.29 25APR00 .65 .00
0 10568 19 39300 88 100.02 27APR00 .02 .00 0 10569 19 39300 88 100.02 27APR00 .02 .00
0 10570 19 39300 88 200.04 27APR00 .04 .00 0 10571 19 39300 88 639.18 28APR00 .14 .00
0 10572 16 51300 88 24276.41 28APR00 6.82 .00 0 400036 15 00000 2581.00 21MAR00 .00 .00
0 400338 15 00000 2217.10 26APR00 .00 .00 0 401202 15 00000 14891.36 28APR00 .00 .00
0 401318 15 00000 7470.06 19APR00 .00 .00 0 401539 15 00000 28907.89 28APR00 .00 .00
0 401547 15 00000 3026.26 20APR00 .00 .00 0 401598 15 00000 11056.98 28APR00 .00 .00
0 401601 15 00000 3109.39 25APR00 .00 .00 0 401679 15 00000 5.00 06DEC99 .00 .00
0 401687 11 27200 2455.27 28FEB00 .00 .00 0 401725 15 00000 4.59 18OCT99 .00 .00
0 401849 15 00000 68.89 28APR00 .00 .00 0 401865 15 00000 197.05 28APR00 .00 .00
0 401911 15 00000 14295.54 28APR00 .00 .00 0 401938 15 00000 58817.45 27APR00 .00 .00
0 402063 15 00000 64 3194.05 24APR00 .00 .00 0 402101 15 00000 18919.92 19APR00 .00 .00
0 402128 15 00000 25.62 06JAN00 .00 .00 0 402136 15 00000 6095.26 28APR00 .00 .00
0 402144 15 00000 .09 25FEB00 .00 .00 0 402179 15 00000 60.08 22FEB00 .00 .00
0 402187 15 00000 3906.93 20APR00 .00 .00 0 402195 15 00000 30.00 12APR00 .00 .00
0 402268 15 00000 21791.95 24APR00 .00 .00 0 402284 15 00000 1160.47 28APR00 .00 .00
0 402292 15 00000 .00 16JUN99 .00 .00 0 402306 15 00000 25606.59 27APR00 .00 .00
0 402373 15 00000 963.12 20APR00 .00 .00 0 402403 15 00000 9851.00 17JUN98 .00 .00
0 402489 15 00000 40 20446.30 28APR00 .00 .00 0 402519 15 00000 158.98 28JAN00 .00 .00
0 402535 15 00000 1864.84 19APR00 .00 .00 0 402586 15 00000 270.89 27APR00 .00 .00
0 501576 16 51300 6130.43 15OCT99 .00 .00 0 501673 16 51300 39542.22 05APR00 .00 .00
0 501894 16 51300 89089.85 05APR00 .00 .00 0 502211 16 51300 2150.62 28APR00 .00 .00
0 503587 16 51300 86 16516.91 25APR00 .00 .00 0 503633 16 51300 16094.89 10APR00 .00 .00
0 503722 16 51300 18640.79 24APR00 .00 .00 0 503919 16 51300 50745.97 10APR00 .00 .00
0 503978 16 51300 67543.55 19NOV91 .00 .00 0 504036 16 00000 2.21 24FEB98 .00 .00
0 504591 16 51300 1218.75 31MAR00 .00 .00 0 504672 16 51300 1266.05 17MAR99 .00 .00
0 504761 16 51300 7810.12 19FEB99 .00 .00 0 504885 16 51300 48160.65 18FEB00 .00 .00
0 504974 16 51300 6050.05 20FEB98 .00 .00 0 505008 16 51300 13560.53 06APR00 .00 .00
0 505032 16 51300 12959.59 27DEC99 .00 .00 0 505075 16 51300 55881.48 27APR00 .00 .00
0 505083 16 51300 847.33 26APR00 .00 .00 0 505199 16 51300 27719.66 30DEC99 .00 .00
0 505202 16 51300 107924.01 28MAR00 .00 .00 0 505229 16 51300 138.05 12JUL99 .00 .00
0 505253 16 51300 26083.30 29AUG97 .00 .00 0 505326 16 51300 275773.13 11APR00 .00 .00
0 505334 16 51300 11995.49 28APR00 .00 .00 0 505377 16 51300 21899.67 02APR98 .00 .00
0 505385 16 51300 27338.75 15APR98 .00 .00 0 000000 00 00000 601.06 21APR00 .00 .00
0 600241 11 27200 1158.06 27APR00 .00 .00 0 601116 11 27200 1750.77 28APR00 .00 .00
0 700173 17 00000 .00 03JAN00 .00 .00 0 700203 17 00000 .00 20MAR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 156
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 800089 11 27200 5987.50 29APR00 .00 .00 0 800291 11 27200 4359.03 28APR00 .00 .00
0 800445 11 27200 2.24 05APR00 .00 .00 0 800895 11 27200 7000.94 27APR00 .00 .00
0 800933 11 27200 86 23444.08 12APR00 .00 .00 0 801093 11 27200 16435.73 28APR00 .00 .00
0 801158 11 27200 482.13 21APR92 .00 .00 0 801174 11 27200 2627.73 01APR00 .00 .00
0 801328 11 27200 533.99 14DEC99 .00 .00 0 801344 11 27200 277.26 31JAN00 .00 .00
0 801581 11 27200 11544.63 28APR00 .00 .00 0 801956 11 27200 24509.98 21APR00 .00 .00
0 801999 11 27200 1857.23 28APR00 .00 .00 0 802138 11 27200 1557.02 28APR00 .00 .00
0 802391 11 27200 1231.83 28APR00 .00 .00 0 802588 11 27200 2502.94 29APR00 .00 .00
0 802723 11 27200 314.06 15SEP98 .00 .00 0 802731 11 27200 279.26 24FEB00 .00 .00
0 803088 11 27200 485.54 29APR00 .00 .00 0 803282 11 27200 40.99 28APR00 .00 .00
0 803428 11 27200 6443.64 29APR00 .00 .00 0 803738 11 27200 10456.04 26APR00 .00 .00
0 803819 11 27200 2280.43 28APR00 .00 .00 0 803827 11 27200 1398.42 19APR00 .00 .00
0 804106 11 27200 86 4121.05 29APR00 .00 .00 0 804297 11 27200 3206.91 28APR00 .00 .00
0 804386 11 27200 4127.62 28APR00 .00 .00 0 805072 11 27200 3717.39 28APR00 .00 .00
0 805358 10 29600 64 2183.80 29APR00 .00 .00 0 805447 11 27200 356.28 28APR00 .00 .00
0 805544 11 27200 1185.59 29APR00 .00 .00 0 805684 11 27200 718.08 28APR00 .00 .00
0 805781 11 27200 1742.28 20APR00 .00 .00 0 805889 11 27200 2690.91 28APR00 .00 .00
0 805994 11 27200 259.77 24APR00 .00 .00 0 806087 11 27200 559.37 17APR00 .00 .00
0 806176 11 27200 170.96 04APR00 .00 .00 0 806249 11 27200 2.93 08MAR00 .00 .00
0 806346 11 27200 1660.23 10NOV99 .00 .00 0 806354 11 27200 5167.88 28APR00 .00 .00
0 806575 11 27200 2152.86 28APR00 .00 .00 0 806605 11 27200 4996.98 28APR00 .00 .00
0 806702 11 27200 2145.22 27APR00 .00 .00 0 806796 11 27200 12769.27 19APR00 .00 .00
0 806907 11 27200 10.92 03APR00 .00 .00 0 807024 11 27200 974.45 28APR00 .00 .00
0 807245 11 27200 764.89 29APR00 .00 .00 0 807253 11 27200 7330.07 28APR00 .00 .00
0 807318 11 27200 4192.63 28APR00 .00 .00 0 807326 11 27200 1175.73 28APR00 .00 .00
0 807385 11 27200 2465.63 28APR00 .00 .00 0 807407 11 27200 3940.61 08MAR00 .00 .00
0 807504 11 27200 86 1558.44 13JAN00 .00 .00 0 807555 11 27200 3908.33 17APR00 .00 .00
0 807598 11 27200 7776.92 28APR00 .00 .00 0 807644 11 27200 86 3047.71 28APR00 .00 .00
0 807652 11 27200 1428.04 28APR00 .00 .00 0 807709 11 27200 .00 28FEB00 .00 .00
0 807733 11 27200 1353.52 04APR00 .00 .00 0 807768 11 27200 2534.06 05APR00 .00 .00
0 807814 11 27200 239.11 19APR00 .00 .00 0 807822 11 27200 8644.70 19APR00 .00 .00
0 807857 11 27200 11251.56 26APR00 .00 .00 0 807938 11 27200 973.14 24APR00 .00 .00
0 808004 11 27200 5904.45 24APR00 .00 .00 0 808012 11 27200 86 1.72 26APR00 .00 .00
0 808047 11 27200 1100.10 27APR00 .00 .00 0 808101 11 27200 38 .00 22JUN98 .00 .00
0 808128 11 27200 7239.35 27MAR00 .00 .00 0 808136 11 27200 16113.92 26APR00 .00 .00
0 808144 11 27200 12952.79 28APR00 .00 .00 0 808209 11 27200 1881.42 10APR00 .00 .00
0 808225 11 27200 5966.90 28APR00 .00 .00 0 808268 11 27200 475.38 16NOV99 .00 .00
0 808373 11 27200 1395.75 24APR00 .00 .00 0 808489 11 27200 1206.47 27APR00 .00 .00
0 808551 11 27200 40 2545.91 10MAR00 .00 .00 0 808578 11 27200 3306.18 28APR00 .00 .00
0 808608 11 27200 3549.38 24APR00 .00 .00 0 808632 11 27200 5647.12 27APR00 .00 .00
0 808675 11 27200 257.55 20APR00 .00 .00 0 808683 11 27200 20348.61 21APR00 .00 .00
0 808705 11 27200 66.63 28APR00 .00 .00 0 808756 11 27200 272.61 24APR00 .00 .00
0 808764 11 27200 4393.27 28APR00 .00 .00 0 808845 11 27200 689.79 27APR00 .00 .00
0 808853 11 27200 112.69 28APR00 .00 .00 0 808861 11 27200 4114.97 26APR00 .00 .00
0 808888 11 27200 12078.90 24APR00 .00 .00 0 808926 11 27200 544.00 12APR00 .00 .00
0 808942 11 27200 583.99 26APR00 .00 .00 0 808977 11 27200 610.87 28APR00 .00 .00
0 808985 11 27200 9.65 13MAY99 .00 .00 0 809027 11 27200 1289.55 14APR00 2.22 .00
0 809051 11 27200 1196.83 28APR00 .00 .00 0 809078 11 27200 20.33 28APR00 .00 .00
0 809108 11 27200 14262.33 27APR00 .00 .00 0 809124 11 27200 3351.69 28APR00 .00 .00
0 900023 11 27200 439.44 27JUL99 .00 .00 0 900201 11 27200 86 27.75 03APR00 .00 .00
0 900538 11 27200 4774.43 28APR00 .00 .00 0 900635 11 27200 86 1375.62 12APR00 .00 .00
0 900724 11 27200 6451.68 17APR00 .00 .00 0 900856 11 27200 2320.68 28APR00 .00 .00
0 900872 11 27200 6278.08 24APR00 .00 .00 0 901003 11 27200 3098.37 28APR00 .00 .00
0 901062 11 27200 2971.13 28APR00 .00 .00 0 902204 11 27200 319.81 24APR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 85 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 163
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 88 41700 38 .01 17MAY99 .00 .00 0 2 89 41700 38 .01 17MAY99 .00 .00
0 20119 86 40700 8708.07 19FEB99 30.10 .00 0 20248 86 53700 13228.34 17MAR99 60.33 .00
0 20292 87 41700 49 34652.81 25MAR99 122.73 .00 0 20324 86 40700 10954.67 31MAR99 37.87 .00
0 20332 87 41700 49 4547.53 05APR99 16.11 .00 0 20357 86 40700 2393.16 12APR99 8.27 .00
0 20436 86 40700 1284.97 03MAY99 4.44 .00 0 20437 86 40700 29174.54 03MAY99 100.85 .00
0 20459 86 40700 3312.66 10MAY99 11.45 .00 0 20460 86 40700 4416.82 10MAY99 15.27 .00
0 20466 83 39300 28638.01 14MAY99 95.59 .00 0 20512 86 40700 81503.08 26NOV99 281.73 .00
0 20544 86 40700 11089.44 26MAY99 38.33 .00 0 20605 86 40700 11577.67 09JUN99 40.02 .00
0 21187 86 40700 49 22850.19 17AUG99 78.99 .00 0 21188 86 40700 49 5772.80 17AUG99 19.95 .00
0 21189 86 40700 49 22850.19 17AUG99 78.99 .00 0 21190 86 40700 49 22850.19 17AUG99 78.99 .00
0 21191 86 40700 49 11545.59 17AUG99 39.91 .00 0 21192 86 40700 49 22850.19 17AUG99 78.99 .00
0 21913 87 58400 49 30221.17 16MAR00 149.90 .00 0 21914 83 55900 49 30211.68 16MAR00 143.44 .00
0 21921 83 55900 49 30211.68 16MAR00 143.44 .00 0 21922 87 58400 49 30221.17 16MAR00 149.90 .00
0 21253 86 53500 49 26272.37 20MAR00 12.14 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 164
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 90 43100 38 .01 17MAY99 .00 .00 0 2 91 43100 38 .01 17MAY99 .00 .00
0 2203 93 00000 88 .00 10APR00 .00 .00 0 20012 92 60600 60956.96 25JAN00 313.74 .00
0 20013 92 60200 10161.06 27JAN00 51.95 .00 0 20014 92 60200 49 60966.33 27JAN00 311.71 .00
0 20016 92 58400 49 10651.26 25JAN99 52.83 .00 0 20017 92 58400 14756.25 26JAN99 1 73.19 .00
0 20019 92 47900 28350.60 27JAN00 115.34 .00 0 20021 92 58400 37410.03 27JAN99 185.55 .00
0 20022 92 58400 34638.89 27JAN99 171.81 .00 0 20023 92 60600 24191.19 03FEB00 124.51 .00
0 20027 92 58400 47 4085.62 28JAN99 20.26 .00 0 20028 92 58400 6478.34 28JAN99 32.13 .00
0 20030 92 61500 47437.06 29JAN99 247.78 .00 0 20033 92 58400 54781.43 02FEB00 271.72 .00
0 20034 92 47900 19537.55 29JAN99 79.48 .00 0 20036 92 58400 20759.01 29JAN99 102.96 .00
0 20038 92 62500 40 20239.09 01FEB99 107.43 .00 0 20041 92 58400 21282.87 01FEB99 105.56 .00
0 20048 92 62500 69549.10 03FEB99 369.18 .00 0 20049 92 62500 69447.58 03FEB00 368.64 .00
0 20050 92 61600 50728.35 28APR00 265.40 .00 0 20051 92 47900 37992.78 03FEB99 154.56 .00
0 20052 92 47900 10609.89 04FEB99 43.16 .00 0 20053 92 60600 3043.54 04FEB00 15.66 .00
0 20054 92 61800 7115.12 04FEB99 37.35 .00 0 20055 92 58400 5599.02 05FEB99 27.77 .00
0 20056 92 60600 14351.68 05FEB99 73.87 .00 0 20058 92 58400 49 5317.35 05FEB99 26.37 .00
0 20060 92 60600 27685.56 08FEB99 142.49 .00 0 20062 92 61100 68666.86 07OCT99 356.33 .00
0 20067 92 47900 16481.62 14FEB00 67.05 .00 0 20068 92 60600 21287.18 09FEB00 109.56 .00
0 20073 92 60600 15202.74 11FEB00 78.25 .00 0 20075 92 60600 5570.77 10FEB99 28.67 .00
0 20076 92 47900 5300.08 11FEB99 21.56 .00 0 20077 93 58400 10437.85 09FEB00 51.77 .00
0 20080 92 60600 24694.82 14FEB00 127.10 .00 0 20089 92 60600 49 12450.27 16FEB99 64.08 .00
0 20093 92 60600 49 45472.59 16FEB99 234.04 .00 0 20096 92 60600 49 14885.33 16FEB99 76.61 .00
0 20106 92 47900 49 105921.82 17FEB00 430.91 .00 0 20107 92 62500 75241.59 17FEB99 399.40 .00
0 20108 92 62500 75241.60 17FEB99 399.40 .00 0 20114 92 58400 29474.10 19FEB99 146.19 .00
0 20116 92 60600 49 10615.54 19FEB99 54.64 .00 0 20118 92 60600 49 10116.05 22FEB00 52.07 .00
0 20120 92 60600 49 1312.21 19FEB99 6.75 .00 0 20124 99 60600 49 31687.49 22FEB99 1920.26 .00
0 20127 92 60600 49 7637.87 22FEB99 39.31 .00 0 20129 92 60600 49 17501.58 23FEB99 90.08 .00
0 20132 92 60600 49 27290.13 23FEB99 140.46 .00 0 20139 92 47900 49 15873.20 24FEB99 64.58 .00
0 20141 92 60600 49 76061.49 24FEB99 391.48 .00 0 20142 93 58400 49 9230.70 26NOV99 45.78 .00
0 20143 93 58400 49 9235.83 26NOV99 45.81 .00 0 20144 92 58400 49 12475.53 26NOV99 61.88 .00
0 20146 92 60600 49 31692.97 24FEB99 163.12 .00 0 20149 92 60600 49 13303.76 25FEB99 68.47 .00
0 20150 92 58400 49 69596.37 25FEB99 345.20 .00 0 20151 92 62500 49 16760.92 25FEB99 88.97 .00
0 20152 92 58400 1824.58 25FEB00 9.05 .00 0 20154 93 47900 49 49859.40 25FEB99 202.84 .00
0 20157 92 60600 49 13176.58 26FEB99 67.82 .00 0 20161 92 60600 49 1210.20 26FEB99 6.23 .00
0 20170 92 60600 49 10000.00 29FEBOO 1 51.47 .00 0 20172 93 47900 49 2720.72 01MAR99 11.07 .00
0 20173 92 62500 49 53555.45 02MAR00 284.28 .00 0 20174 92 62500 49 9094.71 07MAR00 48.28 .00
0 20175 92 60600 49 30305.09 03MAR00 155.98 .00 0 20176 92 60600 49 34759.96 01MAR99 178.90 .00
0 20177 92 60600 49 28189.46 01MAR99 145.09 .00 0 20178 92 60600 49 28189.46 01MAR99 145.09 .00
0 20180 92 60600 49 28582.98 01MAR99 147.11 .00 0 20181 92 60600 49 12969.88 01MAR99 66.75 .00
0 20184 92 60600 49 100999.47 03MAR00 519.83 .00 0 20189 92 60600 49 74158.39 03MAR99 381.68 .00
0 20190 92 60600 49 10000.00 03MAROO 1 51.47 .00 0 20191 92 60600 49 26577.67 03MAR99 136.79 .00
0 20192 92 60600 49 15000.00 07MAROO 1 77.20 .00 0 20193 92 47900 49 15223.92 03MAR99 61.93 .00
0 20195 92 62500 49 14508.02 03MAR99 77.01 .00 0 20197 92 47900 49 37216.63 03MAR99 151.41 .00
0 20200 92 62500 49 1178.18 04MAR99 6.25 .00 0 20201 92 62500 49 36175.13 04MAR99 192.03 .00
0 20202 92 62500 49 36175.13 04MAR99 192.03 .00 0 20203 92 62500 49 5721.56 04MAR99 30.37 .00
0 20205 92 62500 49 12399.73 04MAR99 65.82 .00 0 20206 92 62500 49 60045.29 05MAR99 318.73 .00
0 20208 99 62500 49 20662.97 08MAR00 1294.89 .00 0 20209 92 62500 49 20196.02 07MAR00 107.20 .00
0 20212 92 62500 49 22866.92 08MAR99 121.38 .00 0 20214 92 62500 49 41379.97 08MAR00 219.65 .00
0 20215 92 65800 49 22211.74 09MAR00 124.13 .00 0 20217 92 65800 49 10097.67 09MAR00 56.43 .00
0 20221 92 65800 49 33545.57 09MAR99 187.47 .00 0 20223 92 65800 35713.83 09MAR99 199.59 .00
0 20224 92 47900 49 10564.15 09MAR99 42.98 .00 0 20225 93 65800 80128.85 24APR00 447.80 .00
0 20226 92 64500 40 91154.83 09MAR00 499.35 .00 0 20227 92 60600 49 28336.00 10MAR99 145.84 .00
0 20228 92 60600 49 6381.34 10MAR00 32.84 .00 0 20231 93 65800 7942.21 14MAR00 44.38 .00
0 20232 92 65800 49 13764.05 11MAR99 76.92 .00 0 20233 92 65800 49 10097.83 13MAR00 56.43 .00
0 20235 92 65800 49 59493.92 11MAR99 332.48 .00 0 20236 93 65800 29426.53 12MAR99 164.45 .00
INST 75P BRANCH 50 SEQ-TYPE 15 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 157
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 902212 11 27200 7.99 28APR00 .00 .00 0 902328 11 27200 15386.60 26APR00 .00 .00
0 902379 11 27200 86 31538.04 26APR00 .00 .00 0 902417 11 27200 12216.96 28APR00 .00 .00
0 902425 11 27200 889.28 28APR00 .00 .00 0 902433 11 27200 16558.60 29APR00 .00 .00
0 902441 11 27200 2927.29 28APR00 .00 .00 0 902468 11 27200 1442.30 10FEB00 .00 .00
0 902506 11 27200 19353.77 28APR00 .00 .00 0 902557 11 27200 3895.09 05APR00 .00 .00
0 902565 11 27200 6643.42 28APR00 .00 .00 0 902581 19 39300 7452.53 28APR00 .00 .00
0 902638 11 27200 32329.72 28APR00 .00 .00 0 902646 11 27200 1097.49 06MAR00 .00 .00
0 902654 11 27200 2328.04 30JUL99 .00 .00 0 902719 11 27200 4703.60 20APR00 .00 .00
0 902751 11 27200 2118.41 27APR00 .00 .00 0 902786 11 27200 551.00 28APR00 .00 .00
0 902808 11 27200 888.29 25APR00 .00 .00 0 902859 11 27200 1776.31 29APR00 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 35 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 158
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 35 00000 38 .01 17MAY99 .00 .00 0 820 38 58300 38 71850.98 28APR00 355.77 .00
0 2094 38 63000 22345.36 23MAY97 119.56 .00 0 2349 34 58300 86086.47 23NOV90 426.26 .00
0 2457 38 58300 19251.10 20AUG98 95.32 .00 0 2492 38 60600 5000.00 08MAY92 1 25.73 .00
0 2499 38 60600 5000.00 08MAY92 1 25.73 .00 0 2584 38 61600 17807.44 23DEC93 1 93.16 .00
0 2595 30 52100 28157.94 12MAY94 124.60 .00 0 2613 38 58300 17634.17 20JUL94 1 87.32 .00
0 2687 30 60600 2931.79 12MAY97 15.09 .00 0 2727 34 58300 42588.M8 27MAY98 210.88 .00
0 2733 38 60600 17500.00 22NOV94 1 90.07 .00 0 2734 38 60600 17500.00 22NOV94 1 90.07 .00
0 2784 38 55900 18000.00 19DEC94 1 85.46 .00 0 2796 38 61600 36221.06 05JAN95 1 189.50 .00
0 2814 34 48800 4055.84 09JAN95 16.81 .00 0 2838 34 48800 1349.95 20JAN95 5.60 .00
0 2910 38 73700 98994.15 28APR00 619.65 .00 0 2911 38 73700 105423.43 28APR00 659.89 .00
0 2925 38 55000 27551.14 14MAR95 128.70 .00 0 3054 38 65300 6237.07 01MAY95 34.59 .00
0 3069 38 59200 65813.28 08MAY95 1 330.91 .00 0 3087 38 59700 33628.72 15MAY95 170.51 .00
0 3119 36 59200 4923.26 30MAY95 24.75 .00 0 3138 38 60600 100000.00 06JUN95 1 514.68 .00
0 3146 30 61600 107575.57 11JUN97 562.81 .00 0 3149 38 60600 20889.99 12JUN95 107.52 .00
0 3162 38 60200 62872.25 08SEP99 321.46 .00 0 3163 38 60200 64946.17 08SEP99 332.06 .00
0 3175 38 61600 11007.31 27JUN95 1 57.59 .00 0 3185 38 62500 6036.38 05JUL95 32.04 .00
0 3189 38 58300 100000.00 07JUL95 1 495.15 .00 0 3195 38 56900 59478.91 10JUL95 287.44 .00
0 3213 36 55900 38 23356.77 15NOV99 110.89 .00 0 3221 38 61600 60000.00 14JUL97 1 313.91 .00
0 3272 38 53500 25614.84 10AUG98 116.39 .00 0 3281 36 52100 7663.47 11AUG95 33.91 .00
0 3289 38 58300 23689.56 18AUG95 117.30 .00 0 3297 38 53500 26727.55 22AUG95 121.45 .00
0 3305 36 52100 5188.12 28AUG95 22.96 .00 0 3317 38 58300 51045.08 13SEP95 1 252.75 .00
0 3318 38 58300 51045.08 13SEP95 1 252.75 .00 0 3415 38 60600 8570.29 27OCT97 44.11 .00
0 3424 38 60600 38 26439.22 31OCT95 136.08 .00 0 3425 38 60600 50484.20 29OCT99 259.83 .00
0 3452 38 51200 34294.38 12NOV97 149.13 .00 0 3479 38 60600 13027.80 21NOV95 67.05 .00
0 3512 38 47800 8207.40 04DEC95 33.32 .00 0 3523 38 47800 6376.33 05DEC95 25.89 .00
0 3547 38 58700 38 94910.58 15DEC99 473.17 .00 0 3548 38 58700 38 91850.24 15DEC99 457.92 .00
0 3551 38 59200 25000.00 13DEC95 1 125.70 .00 0 3552 38 59200 25000.00 13DEC95 1 125.70 .00
0 3597 38 58700 8121.01 02JAN96 40.49 .00 0 3598 38 58700 8121.01 02JAN96 40.49 .00
0 3602 38 58700 9133.98 02JAN96 45.54 .00 0 3610 38 59200 85872.28 09JAN96 431.76 .00
0 3628 38 59200 102635.31 16JAN96 516.04 .00 0 3785 38 55900 110836.13 11MAR96 526.21 .00
0 3816 38 55000 2526.60 25MAR96 11.80 .00 0 3890 38 56900 100000.00 06MAY96 1 483.26 .00
0 3928 34 55000 1242.57 31MAY96 5.80 .00 0 3958 38 58300 6277.82 04JUN96 31.08 .00
0 3959 30 61600 6323.49 04JUN96 33.08 .00 0 3984 32 48800 2261.09 06JUN96 9.37 .00
0 4001 38 58300 62145.24 07JUN96 1 307.71 .00 0 4004 38 58300 38 21014.72 28APR00 104.05 .00
0 4008 38 58300 37633.32 10JUN96 186.34 .00 0 4021 38 61600 37895.84 11JUN96 198.26 .00
0 4117 38 55900 8668.14 08JUL96 41.15 .00 0 4126 38 58300 64159.38 09JUL96 1 317.69 .00
0 4138 38 60600 38 11354.40 09DEC99 58.44 .00 0 4154 38 58300 38 26589.39 20JAN00 131.66 .00
0 4155 38 61600 38 26863.68 09DEC99 140.54 .00 0 4167 38 58300 24692.51 19AUG96 1 122.27 .00
0 4177 38 60600 38 5437.63 10DEC99 27.99 .00 0 4199 38 60200 32500.00 30JUL96 1 166.17 .00
0 4204 34 52100 19691.41 02AUG96 87.13 .00 0 4223 38 60600 29000.00 12AUG96 1 149.26 .00
0 4226 30 58300 11586.80 14AUG97 57.37 .00 0 4235 34 52100 6595.24 15AUG96 29.18 .00
0 4239 38 60600 38 17472.14 09DEC99 89.93 .00 0 4254 38 55900 10003.07 08OCT96 1 47.49 .00
0 4262 38 60600 38 7606.34 10DEC99 39.15 .00 0 4312 34 52100 26169.92 31AUG99 1 115.80 .00
0 4334 34 54000 38 44704.61 15DEC99 205.03 .00 0 4338 34 52100 71914.16 01OCT98 318.22 .00
0 4354 34 49700 36255.03 08OCT96 153.04 .00 0 4363 34 63000 38 4012.54 20MAR00 21.47 .00
0 4367 38 60600 12389.58 17OCT96 63.77 .00 0 4377 38 63000 6864.30 25OCT96 36.73 .00
0 4381 38 64900 25121.89 25OCT96 138.47 .00 0 4382 38 64900 25121.89 25OCT96 138.47 .00
0 4383 38 64900 12560.98 25OCT96 69.24 .00 0 4384 38 64900 25121.89 25OCT96 138.47 .00
0 4385 38 64900 12560.98 25OCT96 69.24 .00 0 4386 38 64900 12560.98 25OCT96 69.24 .00
0 4387 38 64900 12560.98 25OCT96 69.24 .00 0 4388 38 64900 25121.89 25OCT96 138.47 .00
0 4389 38 64900 12560.98 25OCT96 69.24 .00 0 4390 38 64000 50263.11 03APR00 273.21 .00
0 4397 38 63000 10621.90 28OCT96 56.83 .00 0 4399 38 63000 31178.59 28OCT96 166.83 .00
0 4409 38 60600 11518.00 20JAN98 59.28 .00 0 4410 38 63000 12510.11 01NOV96 66.94 .00
0 4431 34 49700 23408.65 16MAY97 98.81 .00 0 4432 34 49700 67634.38 12NOV96 285.49 .00
INST 75P BRANCH 50 SEQ-TYPE 35 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 159
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 4434 38 64000 100526.22 03APR00 546.42 .00 0 4436 38 63000 5500.00 14NOV96 1 29.43 .00
0 4439 34 48800 26921.80 15NOV96 111.58 .00 0 4445 38 63000 3106.00 18NOV96 16.62 .00
0 4448 34 48800 114761.59 19NOV96 475.65 .00 0 4452 38 60600 6729.19 19NOV96 34.63 .00
0 4453 38 63000 68333.63 19NOV96 365.63 .00 0 4454 38 63000 38 9612.04 10DEC99 51.43 .00
0 4472 38 63000 30991.31 02DEC96 165.82 .00 0 4474 38 63000 30991.31 02DEC96 165.82 .00
0 4477 38 63000 55784.41 02DEC96 298.48 .00 0 4478 38 63000 12396.53 02DEC96 66.33 .00
0 4482 34 48800 18946.61 03DEC96 78.53 .00 0 4484 38 60600 3688.09 03DEC96 18.98 .00
0 4488 38 63000 24784.55 04DEC96 132.61 .00 0 4497 38 63000 6194.51 05DEC96 33.14 .00
0 4517 38 60600 5891.16 13DEC96 30.32 .00 0 4519 38 60600 7363.94 13DEC96 37.90 .00
0 4541 38 60600 1223.88 30DEC96 6.30 .00 0 4542 34 48800 19668.50 31DEC96 81.52 .00
0 4543 38 60600 5626.98 02JAN97 28.96 .00 0 4544 38 60600 5626.98 02JAN97 28.96 .00
0 4548 38 59200 1834.43 03JAN97 9.22 .00 0 4557 38 60600 86631.11 07JAN97 445.88 .00
0 4599 38 60600 38 52955.02 24JAN97 272.55 .00 0 4602 38 60600 11517.41 20JAN98 59.28 .00
0 4610 38 60600 34655.12 13NOV97 178.36 .00 0 4623 38 60600 27001.62 28JAN97 138.97 .00
0 4639 38 60600 12185.70 07FEB97 62.72 .00 0 4640 38 60600 2435.19 30JAN97 12.53 .00
0 4651 38 60600 38 33733.51 01FEB99 173.62 .00 0 4652 38 60600 97342.63 03FEB97 501.01 .00
0 4726 38 60600 18185.20 25FEB97 93.60 .00 0 4728 38 60600 75150.78 25FEB97 386.79 .00
0 4734 38 60600 5512.41 27FEB97 28.37 .00 0 4880 38 60600 6013.63 14APR97 30.95 .00
0 4884 38 60600 35749.78 17APR97 184.00 .00 0 4917 38 63000 12092.20 25APR97 64.70 .00
0 4918 38 63000 12092.20 25APR97 64.70 .00 0 4919 38 63000 24184.34 25APR97 129.40 .00
0 4920 38 63000 24184.34 25APR97 129.40 .00 0 4921 38 63000 24184.34 25APR97 129.40 .00
0 4922 38 63000 24184.34 25APR97 129.40 .00 0 4923 38 63000 24184.34 25APR97 129.40 .00
0 4924 38 63000 24184.34 25APR97 129.40 .00 0 4931 38 60600 17993.04 30APR97 92.61 .00
0 4942 38 60600 39000.00 05JUN97 1 200.73 .00 0 4943 38 60600 53000.00 05JUN97 1 272.78 .00
0 4945 38 60600 7191.22 05MAY97 37.01 .00 0 4956 38 60600 29948.56 08MAY97 154.14 .00
0 4957 38 60600 29948.56 08MAY97 154.14 .00 0 4958 38 60600 23954.84 09MAY97 123.29 .00
0 4995 38 61600 47898.57 28MAY97 250.59 .00 0 5004 38 61600 50000.00 30MAY97 1 261.59 .00
0 5029 38 62500 116282.97 08DEC97 617.26 .00 0 5041 38 61600 7830.83 11JUN97 40.97 .00
0 5043 38 61600 11942.37 13JUN97 62.48 .00 0 5044 38 60600 5954.01 13JUN97 30.64 .00
0 5054 38 61600 95389.95 16JUN97 499.06 .00 0 5055 38 61600 14652.25 16JUN97 76.66 .00
0 5056 38 61600 8525.63 18JUN97 44.60 .00 0 5060 38 61600 7158.13 19JUN97 37.45 .00
0 5064 38 61600 10000.00 20JUN97 1 52.32 .00 0 5067 38 61600 17892.40 20JUN97 93.61 .00
0 5073 38 61600 3523.01 23JUN97 18.43 .00 0 5082 38 61600 11914.17 27JUN97 62.33 .00
0 5091 38 61600 38 59843.66 30JUN97 313.09 .00 0 5095 38 61600 102392.85 01JUL97 535.70 .00
0 5099 38 63000 38 35731.92 13JUL99 191.19 .00 0 5100 38 63000 38 83092.80 13JUL99 444.60 .00
0 5102 38 61600 5000.00 03JUL97 1 26.16 .00 0 5128 38 61600 15658.95 11JUL97 81.92 .00
0 5131 38 63000 105420.35 26JUL99 564.07 .00 0 5140 38 63000 105420.35 26JUL99 564.07 .00
0 5150 38 61600 28019.24 17JUL97 146.59 .00 0 5152 38 61600 18454.71 17JUL97 96.55 .00
0 5164 38 61600 9031.50 21JUL97 47.25 .00 0 5165 38 62600 97634.23 22JUL97 519.09 .00
0 5201 38 61600 67901.61 29JUL97 1 355.25 .00 0 5212 38 61600 7365.15 30JUL97 38.53 .00
0 5215 38 61600 2369.62 30JUL97 12.40 .00 0 5226 38 61600 35532.10 01AUG97 185.90 .00
0 5240 38 61600 35612.36 04AUG97 186.32 .00 0 5247 38 61600 4344.94 05AUG97 22.73 .00
0 5248 38 55900 38 122763.17 05AUG97 582.84 .00 0 5253 38 58300 7088.78 07AUG97 35.10 .00
0 5255 38 58300 38 56725.06 07AUG97 280.87 .00 0 5271 38 58300 2585.74 15AUG97 12.80 .00
0 5278 38 58300 2684.79 19AUG97 13.29 .00 0 5287 38 58300 10000.00 25AUG97 1 49.52 .00
0 5294 38 58300 13575.64 29AUG97 67.22 .00 0 5295 38 58300 10184.11 29AUG97 50.43 .00
0 5296 38 58300 10184.11 29AUG97 50.43 .00 0 5299 38 58300 11684.84 29AUG97 57.86 .00
0 5303 38 58300 38 79356.42 09FEB99 392.93 .00 0 5304 38 58300 38 17761.17 02SEP97 87.94 .00
0 5311 38 58300 41000.00 08SEP97 1 203.01 .00 0 5325 38 60600 10546.03 18SEP97 54.28 .00
0 5327 38 60600 52053.19 01SEP99 267.91 .00 0 5328 38 60600 52053.19 01SEP99 267.91 .00
0 5335 38 61600 58692.84 23SEP97 307.07 .00 0 5345 38 60600 7022.53 25SEP97 36.14 .00
0 5352 38 61600 33576.66 08SEP99 175.67 .00 0 5353 38 61600 33576.66 08SEP99 175.67 .00
0 5359 38 61100 2828.63 21JUN99 14.68 .00 0 5379 38 60600 100000.00 02AUG99 1 514.68 .00
0 5386 38 60600 23058.98 27JAN98 118.68 .00 0 5387 38 60600 7309.81 09OCT97 37.62 .00
INST 75P BRANCH 50 SEQ-TYPE 35 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 160
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 5388 38 60600 88795.49 10OCT97 457.02 .00 0 5398 38 60600 93338.80 14OCT97 480.40 .00
0 5413 38 60600 100000.00 17OCT97 1 514.68 .00 0 5419 38 60600 40000.00 17OCT97 1 205.87 .00
0 5426 38 60600 5827.85 20OCT97 30.00 .00 0 5427 38 60600 5827.85 20OCT97 30.00 .00
0 5429 38 60600 3496.74 20OCT97 18.00 .00 0 5442 38 60600 5825.92 22OCT97 29.99 .00
0 5443 38 60600 18703.40 22OCT97 96.26 .00 0 5448 38 61100 38 72571.50 30DEC97 376.60 .00
0 5450 38 60600 22333.87 23OCT97 114.95 .00 0 5465 38 60600 100000.00 18AUG99 1 514.68 .00
0 5491 38 60600 100000.00 06NOV97 1 514.68 .00 0 5496 38 60600 107340.57 10MAR99 552.47 .00
0 5502 38 60600 11609.36 13NOV97 59.75 .00 0 5507 38 60600 2321.48 14NOV97 11.95 .00
0 5518 38 60600 1159.79 19NOV97 5.97 .00 0 5519 38 60600 1159.79 19NOV97 5.97 .00
0 5520 38 60600 1159.79 19NOV97 5.97 .00 0 5521 38 60600 1159.79 19NOV97 5.97 .00
0 5522 38 60600 1159.79 19NOV97 5.97 .00 0 5523 38 60600 1159.79 19NOV97 5.97 .00
0 5524 38 60600 1159.79 19NOV97 5.97 .00 0 5525 38 60600 1159.79 19NOV97 5.97 .00
0 5526 38 60600 1159.79 19NOV97 5.97 .00 0 5527 38 60600 1159.79 19NOV97 5.97 .00
0 5528 38 61600 81369.57 20NOV97 425.71 .00 0 5529 38 61600 81369.57 20NOV97 425.71 .00
0 5537 38 60600 29869.79 21NOV97 153.74 .00 0 5538 38 60600 38 29135.32 29MAR99 149.96 .00
0 5542 38 60600 28970.51 24NOV97 149.11 .00 0 5545 38 60600 100000.00 18OCT99 1 514.68 .00
0 5549 38 60600 54022.47 28NOV97 278.05 .00 0 5568 38 60600 23137.94 04DEC97 119.09 .00
0 5570 38 60600 22555.75 05DEC97 116.09 .00 0 5577 38 60600 94554.84 08DEC97 486.66 .00
0 5582 38 60600 10001.71 08DEC97 1 51.48 .00 0 5586 38 60600 2889.85 14DEC98 14.87 .00
0 5599 38 60600 28884.06 12DEC97 148.66 .00 0 5602 38 60600 100000.00 15DEC97 1 514.68 .00
0 5605 38 60600 8082.16 16DEC97 41.60 .00 0 5620 38 60600 15539.78 22DEC97 79.98 .00
0 5624 38 60200 47705.82 08SEP99 243.91 .00 0 5626 38 60600 11530.63 01MAR99 59.35 .00
0 5627 38 60600 37161.51 23DEC97 191.26 .00 0 5628 38 60600 4530.16 23DEC97 23.32 .00
0 5632 38 59200 26063.30 30DEC97 131.04 .00 0 5639 38 58300 2288.95 06JAN98 11.33 .00
0 5643 38 58300 4577.17 07JAN98 22.66 .00 0 5644 38 58300 11442.93 07JAN98 56.66 .00
0 5646 38 58300 2288.21 08JAN98 11.33 .00 0 5659 38 58300 28575.38 14JAN98 141.49 .00
0 5665 38 58300 58006.14 15JAN98 28722 .00 0 5667 38 58300 7998.55 16JAN98 39.60 .00
0 5668 38 58300 3427.97 16JAN98 16.97 .00 0 5701 38 55900 2247.51 31MAR98 10.67 .00
0 5712 38 56400 1123.54 07APR98 5.38 .00 0 5713 38 56400 1123.54 07APR98 5.38 .00
0 5717 38 55900 2132.22 08APR98 10.12 .00 0 5718 38 55900 1124.46 08APR98 5.34 .00
0 5755 38 55900 16797.27 22APR98 79.75 .00 0 5777 38 55900 36705.60 01MAY98 174.27 .00
0 5806 38 59700 2248.39 15MAY98 11.40 .00 0 5812 34 58300 40000.00 30NOV98 1 198.06 .00
0 5818 34 58300 28028.45 15MAY98 138.18 .00 0 5819 38 59200 28077.90 15MAY98 141.17 .00
0 5827 38 59200 14000.00 01DEC99 1 70.39 .00 0 5843 38 59200 2244.77 19MAY98 11.29 .00
0 5863 34 58300 30241.75 21MAY98 149.74 .00 0 5866 38 59700 28076.77 21MAY98 142.36 .00
0 5870 38 59700 42487.81 22MAY98 215.43 .00 0 5872 34 58300 83991.42 22MAY98 415.88 .00
0 5874 38 59700 1722.57 22MAY98 8.73 .00 0 5879 38 59200 5604.84 27MAY98 28.18 .00
0 5883 34 58300 100000.00 27MAY98 1 495.15 .00 0 5884 38 59700 22440.22 27MAY98 113.78 .00
0 5911 38 58300 80464.53 04JUN98 398.42 .00 0 5914 38 58300 44695.35 05JUN98 221.31 .00
0 5922 38 58300 14512.08 11JUN98 71.86 .00 0 5945 38 56900 17780.68 23JUN98 85.93 .00
0 5951 38 58300 37342.91 25JUN98 184.90 .00 0 5952 38 58300 37342.91 25JUN98 184.90 .00
0 6080 34 55000 77190.93 21JUL98 360.58 .00 0 6081 38 56900 22129.03 21JUL98 106.94 .00
0 6082 38 56900 22129.00 21JUL98 106.94 .00 0 6092 38 55900 27505.80 30JUL98 130.59 .00
0 6108 38 55900 45105.69 25AUG98 214.15 .00 0 6111 38 55900 4198.36 27AUG98 19.93 .00
0 6117 38 53500 2182.63 04SEP98 9.92 .00 0 6122 34 52100 34831.59 14SEP98 154.13 .00
0 6126 38 55900 38 10942.20 31OCT98 51.95 .00 0 6137 38 55900 1138.79 28SEP98 5.41 .00
0 6139 34 52100 10862.66 29DEC99 48.07 .00 0 6141 38 53500 14149.33 30SEP98 64.29 .00
0 6142 38 53500 23945.03 30SEP98 108.80 .00 0 6149 38 51200 38 9875.48 15DEC99 42.94 .00
0 6166 38 52100 108198.12 26OCT98 478.77 .00 0 6171 38 51200 22933.53 29OCT98 99.73 .00
0 6179 38 51400 4337.18 18MAY99 18.93 .00 0 6180 34 49700 7750.47 06NOV98 32.72 .00
0 6182 38 65800 55534.52 10NOV98 310.35 .00 0 6194 34 48800 10732.97 18NOV98 44.68 .00
0 6200 38 48800 45748.72 20NOV98 189.61 .00 0 6205 38 47800 2140.98 27NOV98 8.69 .00
0 6206 38 47800 2140.98 27NOV98 8.69 .00
INST 75P BRANCH 50 SEQ-TYPE 45 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 161
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 2601 44 60000 99000.00 27MAY94 1 504.49 .00 0 3438 45 52500 99000.00 02NOV95 1 441.43 .00
0 3459 45 63000 99000.00 13NOV95 1 529.72 .00 0 3529 47 60500 99000.00 06DEC95 1 508.70 .00
0 3538 45 62500 99000.00 07DEC95 1 525.51 .00 0 3550 45 62500 99000.00 07DEC95 1 525.51 .00
0 3737 47 57500 99000.00 29FEB96 1 483.47 .00
INST 75P BRANCH 50 SEQ-TYPE 75 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 162
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 71 00000 38 .01 17MAY99 .00 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 165
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20237 92 64900 49 13707.90 14MAR00 75.56 .00 0 20238 92 65800 49 23288.84 12MAR99 130.15 .00
0 20239 93 65800 35316.47 13MAR00 197.37 .00 0 20240 92 65800 49 43726.16 17MAR00 244.36 .00
0 20241 92 60600 49 30000.39 16MAR99 154.41 .00 0 20249 92 65800 49 64982.86 20MAR00 1 363.16 .00
0 20250 92 65800 49 5595.35 17MAR00 31.27 .00 0 20251 92 60600 49 2113.92 17MAR99 10.88 .00
0 20255 93 65800 49 10834.29 17MAR99 60.55 .00 0 20256 92 60600 49 7087.29 18MAR99 36.48 .00
0 20258 93 65800 24716.32 18MAR99 138.13 .00 0 20260 92 47900 49 12683.73 18MAR99 51.60 .00
0 20261 92 65800 49 20390.69 20MAR00 113.95 .00 0 20267 92 64400 49 90080.28 19MAR99 492.70 .00
0 20269 92 47900 49 7681.53 19MAR99 31.25 .00 0 20270 92 47900 49 7681.53 19MAR99 31.25 .00
0 20271 92 47900 49 7681.52 19MAR99 31.25 .00 0 20273 93 65800 49 14136.56 19MAR99 79.00 .00
0 20274 92 65800 49 13910.08 22MAR99 77.74 .00 0 20278 92 47900 49 74566.99 23MAR00 1 303.35 .00
0 20280 92 47900 49 14250.88 22MAR99 57.98 .00 0 20287 92 47900 49 10546.19 22MAR99 42.90 .00
0 20290 92 65800 49 16050.96 07APR00 89.70 .00 0 20291 92 62500 49 8267.23 23MAR99 43.88 .00
0 20293 92 65800 49 1846.08 25MAR99 10.32 .00 0 20298 93 65800 12051.72 19APR00 67.35 .00
0 20299 93 65800 11070.66 27MAR00 61.87 .00 0 20300 92 64400 49 22164.17 26MAR99 121.23 .00
0 20301 93 65800 49 32099.56 26MAR99 179.39 .00 0 20302 92 64400 49 4614.74 26MAR99 25.24 .00
0 20304 92 60600 49 2110.74 26MAR99 10.86 .00 0 20307 92 66300 49 32933.10 26MAR99 185.44 .00
0 20308 92 66300 49 32933.10 26MAR99 185.44 .00 0 20309 92 60600 49 2110.74 26MAR99 10.86 .00
0 20311 93 65800 10794.86 08JUL99 1 60.33 .00 0 20313 92 47900 49 10536.50 29MAR99 42.86 .00
0 20314 93 65800 49 20309.45 29MAR99 113.50 .00 0 20319 92 65800 49 10050.89 06APR00 56.17 .00
0 20320 92 65800 49 71008.01 30MAR00 396.83 .00 0 20321 92 47900 49 2106.74 31MAR99 8.57 .00
0 20322 92 47900 49 2106.74 31MAR99 8.57 .00 0 20323 92 64400 49 37111.79 31MAR99 202.99 .00
0 20325 92 64400 49 19120.55 31MAR99 104.58 .00 0 20327 92 65800 49 7470.24 03APR00 41.75 .00
0 20330 92 64400 49 26621.57 05APR00 145.61 .00 0 20331 92 64400 49 30137.62 05APR00 164.84 .00
0 20333 92 64400 49 10539.17 05APR99 57.64 .00 0 20334 92 66300 49 22103.81 06APR00 124.47 .00
0 20335 93 67700 49 11457.25 05APR00 65.88 .00 0 20336 93 67700 49 10943.47 05APR99 62.92 .00
0 20339 92 60600 69 4330.00 08APR99 22.29 .00 0 20340 92 64400 49 25450.00 18APR00 1 139.20 .00
0 20341 92 64400 49 2367.52 08APR99 12.95 .00 0 20343 92 64400 49 2367.52 08APR99 12.95 .00
0 20345 92 64400 49 84254.25 09APR99 460.84 .00 0 20346 92 65600 49 12123.16 09APR99 67.54 .00
0 20347 92 47900 49 96300.19 09APR99 391.77 .00 0 20348 92 64400 49 7026.55 11APR00 38.43 .00
0 20350 93 67700 49 3636.42 09APR99 20.91 .00 0 20352 92 64400 49 10039.25 14APR00 54.91 .00
0 20354 93 67700 49 90317.17 12APR00 519.31 .00 0 20355 92 66300 49 2105.46 12APR99 11.86 .00
0 20356 92 66300 49 2105.46 12APR99 11.86 .00 0 20359 92 64400 49 37124.04 12APR00 203.05 .00
0 20361 92 64400 49 72237.32 14APR99 395.11 .00 0 20362 92 66300 49 3137.08 13APR00 17.66 .00
0 20363 92 66300 49 3137.08 13APR00 17.66 .00 0 20366 92 66300 49 13794.01 14APR99 77.67 .00
0 20367 92 66300 49 13794.01 14APR99 77.67 .00 0 20368 92 47900 49 2439.80 14APR99 9.93 .00
0 20372 92 47900 1051.44 14APR99 4.28 .00 0 20373 92 64400 49 31567.60 14APR99 172.66 .00
0 20375 92 47900 49 2338.26 15APR99 9.51 .00 0 20378 92 65800 49 11332.73 19APR00 1 72.22* .00
0 20379 92 64400 49 50133.62 19APR00 274.21 .00 0 20382 92 47900 49 13211.15 19APR99 53.75 .00
0 20385 92 64400 49 60127.04 19APR00 328.87 .00 0 20386 92 64400 49 23356.27 20APR99 127.75 .00
0 20387 92 64400 49 23356.27 20APR99 127.75 .00 0 20388 93 65800 49 11873.53 26NOV99 66.36 .00
0 20390 92 66300 49 91069.11 20APR99 512.81 .00 0 20395 92 66300 49 1101.97 24APR00 6.21 .00
0 20396 92 64400 49 3898.99 24NOV99 21.33 .00 0 20397 92 64400 49 1465.54 24N0V99 8.02 .00
0 20398 92 64400 49 105518.38 21APR99 577.14 .00 0 20401 92 66300 49 58209.48 21APR99 327.78 .00
0 20402 92 47900 49 5570.62 22APR99 22.66 .00 0 20403 92 64400 49 30105.35 25APR00 164.66 .00
0 20404 92 64400 49 10507.73 22APR99 57.47 .00 0 20406 99 64400 49 59526.94 26APR99 3844.04 .00
0 20407 92 64400 49 11462.82 23APR99 62.70 .00 0 20408 92 66300 49 15070.94 25APR00 84.86 .00
0 20411 92 66300 49 12715.93 23APR99 71.60 .00 0 20412 92 64400 49 52501.52 26APR99 287.16 .00
0 20415 92 64400 49 8792.22 26APR99 48.09 .00 0 20419 92 47900 49 2338.58 27APR99 9.51 .00
0 20422 92 47900 49 26233.42 29APR99 106.72 .00 0 20423 92 47900 49 10493.79 29APR99 42.69 .00
0 20424 92 47900 49 23529.28 29APR99 95.72 .00 0 20425 92 47900 49 23529.28 29APR99 95.72 .00
0 20426 92 47900 49 23529.28 29APR99 95.72 .00 0 20627 92 47900 49 23529.28 29APR99 95.72 .00
0 20428 92 47900 49 1299.71 29APR99 5.29 .00 0 20429 92 47900 49 4202.19 29APR99 17.10 .00
0 20430 92 47900 49 3429.72 29APR99 13.95 .00 0 20431 92 47900 49 5246.22 30APR99 21.34 .00
0 20435 92 47900 49 10488.29 03MAY99 42.67 .00 0 20443 92 47900 49 5607.24 06MAY99 22.81 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 166
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20444 92 47900 49 12071.59 07MAY99 49.11 .00 0 20447 92 47900 49 6457.44 04MAY99 26.27 .00
0 20449 92 47900 49 63388.90 07MAY99 257.88 .00 0 20450 92 47900 49 10482.82 07MAY99 42.65 .00
0 20456 92 47900 49 4805.43 10MAY99 19.55 .00 0 20457 92 47900 49 11762.72 10MAY99 47.85 .00
0 20458 92 47900 49 30668.61 10MAY99 124.77 .00 0 20461 92 47900 49 6365.48 10MAY99 25.90 .00
0 20463 99 47900 49 35025.73 10MAY99 1686.93 .00 0 20464 92 47900 49 3594.14 11MAY99 14.62 .00
0 20465 92 47900 49 3999.85 11MAY99 16.27 .00 0 20467 92 47900 49 4691.50 17MAY99 19.09 .00
0 20468 92 47900 49 2468.90 17MAY99 10.04 .00 0 20469 92 49800 49 7464.33 12MAY99 31.57 .00
0 20472 92 49800 49 31481.45 13MAY99 133.15 .00 0 20473 92 47900 49 2984.38 13MAY99 12.14 .00
0 20475 92 49800 49 20987.64 13MAY99 88.77 .00 0 20476 92 49800 49 23713.67 13MAY99 100.30 .00
0 20477 92 49800 49 17142.48 13MAR00 72.51 .00 0 20478 92 49800 49 14252.06 13MAY99 60.28 .00
0 20479 92 49800 49 2096.76 20MAY99 8.87 .00 0 20480 92 49800 49 2095.96 20MAY99 8.87 .00
0 20481 92 49800 49 39324.37 20MAY99 166.33 .00 0 20482 92 49800 49 39286.90 20MAY99 166.17 .00
0 20484 92 49800 49 62954.33 14MAY99 266.27 .00 0 20485 92 49800 49 59581.15 14MAY99 252.00 .00
0 20486 92 47900 49 5236.60 14MAY99 21.30 .00 0 20487 92 49800 49 10492.38 14MAY99 44.38 .00
0 20488 92 47900 49 2221.49 14MAY99 9.04 .00 0 20489 92 49800 49 73446.70 14MAY99 310.65 .00
0 20492 92 49800 49 52440.52 17MAY99 221.80 .00 0 20493 92 49800 49 18878.59 17MAY99 79.85 .00
0 20494 92 47900 49 87424.41 17MAY99 355.66 .00 0 20495 92 49800 49 26220.26 17MAY99 110.90 .00
0 20496 92 49800 49 25364.31 17MAY99 107.28 .00 0 20498 92 47900 49 12583.59 17MAY99 51.19 .00
0 20499 92 47900 49 26793.14 17MAY99 109.00 .00 0 20500 92 49800 49 12523.67 17MAY99 52.97 .00
0 20503 92 49800 49 23750.31 18MAY99 100.45 .00 0 20504 92 49800 49 21269.42 18MAY99 89.96 .00
0 20507 92 49800 49 55734.11 19MAY99 235.73 .00 0 20508 92 49800 49 14384.84 19MAY99 60.84 .00
0 20509 92 49800 49 94114.39 19MAY99 398.07 .00 0 20514 92 49800 49 14885.71 09DEC99 1 62.96 .00
0 20516 92 49800 49 10483.83 20MAY99 44.34 .00 0 20518 92 49800 49 100000.00 20MAY99 1 422.96 .00
0 20519 92 49800 49 14090.45 20MAY99 59.60 .00 0 20520 92 49800 49 11676.54 21MAY99 49.39 .00
0 20521 92 49800 49 11118.82 21MAY99 47.03 .00 0 20522 92 47900 49 5330.46 21MAY99 21.69 .00
0 20523 92 49800 49 28961.23 28SEP99 122.49 .00 0 20524 92 49800 49 66972.14 21MAY99 283.26 .00
0 20527 92 49800 49 25982.97 24MAY99 109.90 .00 0 20528 92 49800 49 10478.11 24MAY99 44.32 .00
0 20529 92 49800 49 9998.03 24MAY99 42.29 .00 0 20530 92 49800 49 17039.66 24MAY99 72.07 .00
0 20531 92 49800 49 61975.79 24MAY99 262.13 .00 0 20532 92 49800 49 52390.55 24MAY99 221.59 .00
0 20533 92 49800 49 52390.55 24MAY99 221.59 .00 0 20534 92 49800 49 52390.55 24MAY99 221.59 .00
0 20535 92 49800 49 11090.69 25MAY99 46.91 .00 0 20536 92 49800 49 104845.41 25MAY99 443.45 .00
0 20537 92 49800 49 16555.42 25MAY99 70.02 .00 0 20538 92 47900 49 8701.54 25MAY99 35.40 .00
0 20539 92 49800 49 33448.60 25MAY99 141.47 .00 0 20540 92 49800 49 85718.05 25MAY99 362.55 .00
0 20542 92 49800 49 63437.26 25MAY99 268.31 .00 0 20543 92 49800 49 43269.95 26MAY99 183.01 .00
0 20545 92 49800 49 10532.68 26MAY99 44.55 .00 0 20546 92 47900 49 3456.78 26MAY99 14.06 .00
0 20547 92 49800 49 18441.10 27MAY99 78.00 .00 0 20548 92 47900 49 1217.03 27MAY99 4.95 .00
0 20549 92 49800 49 10473.83 27MAY99 44.30 .00 0 20550 92 49800 49 129715.36 28MAY99 548.64 .00
0 20551 92 47900 49 2360.09 28MAY99 9.60 .00 0 20552 92 49800 49 11106.54 28MAY99 46.98 .00
0 20553 92 49800 49 10472.40 28MAY99 44.29 .00 0 20554 92 49800 15686.76 28MAY99 66.35 .00
0 20555 92 49800 49 10472.40 28MAY99 44.29 .00 0 20556 92 49800 49 48408.07 28MAY99 204.75 .00
0 20557 92 49800 49 11284.01 28MAY99 47.73 .00 0 20558 92 47900 49 1045.41 28MAY99 4.25 .00
0 20559 92 49800 49 17719.00 01JUN99 74.94 .00 0 20560 92 49800 49 34932.00 01JUN99 147.75 .00
0 20561 92 47900 49 6462.92 01JUN99 26.29 .00 0 20562 92 49800 49 19025.17 01JUN99 80.47 .00
0 20565 92 49800 49 28682.12 02JUN99 121.31 .00 0 20566 92 47900 49 2224.22 02JUN99 9.05 .00
0 20567 92 47900 49 2224.22 02JUN99 9.05 .00 0 20568 92 49800 49 11103.88 02JUN99 46.96 .00
0 20569 92 47900 49 2222.24 02JUN99 9.04 .00 0 20570 92 49800 49 27793.42 03JUN99 117.55 .00
0 20571 92 49800 49 18205.11 03JUN99 77.00 .00 0 20575 92 49800 49 36658.45 04JUN99 155.05 .00
0 20576 92 49800 49 62448.54 04JUN99 264.13 .00 0 20577 92 51400 49 50000.00 04JUN99 1 218.27 .00
0 20578 92 49800 49 19878.58 04JUN99 84.08 .00 0 20579 92 49800 49 21447.95 04JUN99 90.72 .00
0 20580 92 49800 49 15614.92 20OCT99 66.04 .00 0 20581 92 49800 49 14156.16 04JUN99 59.87 .00
0 20582 92 51400 49 75064.18 07JUN99 327.69 .00 0 20583 92 49800 49 10000.00 07JUN99 1 42.30 .00
0 20584 92 49800 49 54381.09 07JUN99 230.01 .00 0 20585 92 49800 49 26145.37 07JUN99 110.58 .00
0 20586 92 49800 49 29282.83 07JUN99 123.85 .00 0 20587 92 49800 49 16296.67 08JUL99 1 68.93 .00
0 20588 92 49800 49 24687.07 07JUN99 104.42 .00 0 20589 92 49800 49 4439.84 07JUN99 18.78 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 167
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20590 92 47900 49 2655.53 07JUN99 10.80 .00 0 20591 92 49800 49 28261.85 07JUN99 119.54 .00
0 20592 92 49800 49 19103.44 07JUN99 80.80 .00 0 20593 92 49800 49 10456.72 08JUN99 44.23 .00
0 20594 92 49800 49 16535.75 08JUN99 69.94 .00 0 20595 92 47900 49 1139.18 10JUN99 4.63 .00
0 20596 92 47900 49 7957.10 08JUN99 32.37 .00 0 20597 92 49800 49 23649.69 08JUN99 100.03 .00
0 20598 92 49800 49 20913.46 08JUN99 88.46 .00 0 20599 92 49800 49 26333.61 08JUN99 111.38 .00
0 20600 92 49800 49 34912.82 08JUN99 147.67 .00 0 20601 92 49800 49 34912.82 08JUN99 147.67 .00
0 20602 92 49800 49 34912.82 08JUN99 147.67 .00 0 20603 92 49800 49 12338.28 08JUN99 52.19 .00
0 20604 92 49800 49 83653.81 08JUN99 353.82 .00 0 20606 92 49800 49 24673.71 09JUN99 104.36 .00
0 20607 92 49800 49 11141.08 09JUN99 47.12 .00 0 20608 92 49800 49 86800.68 09JUN99 367.13 .00
0 20610 92 49800 49 30829.63 09JUN99 130.40 .00 0 20611 92 49800 49 11099.95 09JUN99 46.95 .00
0 20613 92 49800 49 20907.75 10JUN99 88.43 .00 0 20614 92 49800 49 47032.02 10JUN99 198.93 .00
0 20615 92 49800 49 5311.56 10JUN99 22.47 .00 0 20617 92 49800 13175.02 10JUN99 55.72 .00
0 20619 92 50200 49 53128.53 10JUN99 226.52 .00 0 20620 92 51300 49 8166.03 11JUN99 35.58 .00
0 20621 92 49800 49 10452.46 11JUN99 44.21 .00 0 20623 92 49800 49 27490.99 11JUN99 116.28 .00
0 20624 92 49800 49 10448.19 14JUN99 44.19 .00 0 20625 92 49800 49 73337.96 14JUN99 310.19 .00
0 20626 92 51400 49 35364.50 14JUN99 154.38 .00 0 20627 92 49800 49 14722.71 14MAR00 62.27 .00
0 20628 92 49800 49 23055.46 14JUN99 97.52 .00 0 20629 92 49800 49 20896.39 14JUN99 88.38 .00
0 20630 92 49800 49 20023.70 14JUN99 84.69 .00 0 20635 92 49800 49 21357.71 13MAR00 90.33 .00
0 20636 92 47900 49 6387.31 14JUN99 25.98 .00 0 20637 92 49800 49 19518.70 15JUN99 82.56 .00
0 20638 92 49800 49 82139.44 15JUN99 347.42 .00 0 20639 92 49800 49 13177.15 15JUN99 55.73 .00
0 20640 92 49800 49 62559.48 15JUN99 264.60 .00 0 20641 92 49800 49 22270.90 15JUN99 94.20 .00
0 20643 92 49800 49 16643.76 15JUN99 70.40 .00 0 20644 92 49800 49 92464.07 16JUN99 391.09 .00
0 20645 92 49800 49 15668.01 16JUN99 66.27 .00 0 20646 92 49800 49 11689.89 16JUN99 4944 .00
0 20647 92 49800 49 80989.78 16JUN99 342.55 .00 0 20648 92 49800 49 51047.48 13DEC99 215.91 .00
0 20649 92 51400 49 3978.33 17JUN99 17.37 .00 0 20650 92 51400 49 34996.05 17JUN99 152.77 .00
0 20651 92 51400 49 96966.28 17JUN99 423.30 .00 0 20652 92 51400 49 12933.28 17JUN99 56.46 .00
0 20657 92 51400 49 10611.22 17JUN99 46.32 .00 0 20658 92 51400 49 14112.60 17JUN99 61.61 .00
0 20659 92 51400 49 31375.44 17JUN99 136.97 .00 0 20661 92 51400 49 18721.44 17JUN99 81.73 .00
0 20662 92 51400 49 29621.43 17JUN99 129.31 .00 0 20663 92 51400 5228.50 18JUN99 22.82 .00
0 20664 92 51400 49 6274.21 18JUN99 27.39 .00 0 20665 92 51400 49 24751.42 18JUN99 108.05 .00
0 20666 92 51400 2227.49 18JUN99 9.72 .00 0 20667 92 51400 49 98000.00 18JUN99 1 427.82 .00
0 20668 92 51400 49 2612.00 18JUN99 11.40 .00 0 20669 92 51400 49 6924.45 18JUN99 30.23 .00
0 20670 92 51400 49 9418.67 18JUN99 41.12 .00 0 20672 92 51400 49 15507.69 18JUN99 67.70 .00
0 20674 92 51400 49 11144.54 18JUN99 48.65 .00 0 20675 92 51400 49 11144.54 18JUN99 48.65 .00
0 20676 92 51400 49 11144.54 18JUN99 48.65 .00 0 20677 92 51400 49 11144.54 18JUN99 48.65 .00
0 20678 92 51400 49 3137.11 18JUN99 13.69 .00 0 20679 92 51400 49 12707.74 18JUN99 55.48 .00
0 20680 92 51400 49 10661.19 21JUN99 46.54 .00 0 20682 92 51400 49 33414.21 21JUN99 145.87 .00
0 20683 92 51400 49 18814.68 21JUN99 82.14 .00 0 20684 92 51400 49 49000.00 21JUN99 1 213.91 .00
0 20685 92 51400 49 4378.76 21JUN99 19.12 .00 0 20686 92 51400 49 5304.72 21JUN99 23.16 .00
0 20687 92 51400 49 20905.19 21JUN99 91.26 .00 0 20688 92 51400 49 83620.82 21JUN99 365.04 .00
0 20691 92 51400 49 1139.03 22JUN99 4.97 .00 0 20692 92 51400 49 19255.10 22JUN99 84.06 .00
0 20693 92 51400 49 33974.68 22JUN99 148.32 .00 0 20694 92 51400 49 12250.15 22JUN99 53.48 .00
0 20695 92 51400 49 6926.84 22JUN99 30.24 .00 0 20696 92 51400 49 3340.93 22JUN99 14.58 .00
0 20698 92 51400 49 34810.16 23JUN99 151.96 .00 0 20700 92 51400 49 14629.52 23JUN99 63.86 .00
0 20701 92 51400 49 30000.00 23JUN99 1 130.96 .00 0 20702 92 51400 49 23595.60 23JUN99 103.01 .00
0 20703 92 51400 49 16705.07 23JUN99 72.93 .00 0 20704 92 51400 49 2915.58 23JUN99 12.73 .00
0 20707 92 51400 49 18809.41 23JUN99 82.11 .00 0 20712 92 51400 49 8784.87 21MAR00 38.35 .00
0 20713 92 51400 49 2229.43 23JUN99 9.73 .00 0 20714 92 51400 49 2229.43 23JUN99 9.73 00
0 20723 92 51400 49 6405.47 24JUN99 27.96 .00 0 20724 92 51400 49 17444.55 24JUN99 76.15 .00
0 20725 92 51400 49 21217.70 09DEC99 92.63 .00 0 20726 92 51400 49 24786.08 24JUN99 108.20 .00
0 20727 92 51400 49 100000.00 24JUN99 1 436.55 .00 0 20728 92 51400 49 2229.52 25JUN99 9.73 .00
0 20732 92 51400 49 100000.00 24JUN99 1 436.55 .00 0 20733 92 51400 49 73137.34 24JUN99 319.28 .00
0 20734 92 51400 49 14627.48 24JUN99 63.86 .00 0 20735 92 51400 49 10448.20 24JUN99 45.61 .00
0 20736 92 51400 49 5376.73 16MAR00 23.47 .00 0 20737 92 51400 49 5376.73 16MAR00 23.47 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 168
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20738 92 51400 49 26116.81 25JUN99 114.01 .00 0 20739 92 51400 49 5223.36 25JUN99 22.80 .00
0 20740 92 51400 49 11491.40 25JUN99 50.17 .00 0 20741 92 51400 49 11491.40 25JUN99 50.17 .00
0 20742 92 51400 49 11398.36 25JUN99 49.76 .00 0 20743 92 51400 49 16705.71 25JUN99 72.93 .00
0 20747 92 51400 49 105604.63 28JUN99 461.01 .00 0 20749 92 51400 49 4706.51 28JUN99 20.55 .00
0 20750 92 51400 49 46518.17 29JUN99 203.07 .00 0 20752 92 51400 49 2610.59 28JUN99 11.40 .00
0 20753 92 51400 49 7309.42 28JUN99 31.91 .00 0 20754 92 51400 49 24017.33 28JUN99 104.85 .00
0 20756 92 51400 49 40000.00 11AUG99 1 174.62 .00 0 20757 92 51400 49 5221.15 28JUN99 22.79 .00
0 20758 92 51400 49 88759.65 28JUN99 387.48 .00 0 20759 92 51400 49 8353.85 28JUN99 36.47 .00
0 20760 92 51400 49 11761.79 28JUN99 51.35 .00 0 20761 92 51400 49 7459.74 28JUN99 32.57 .00
0 20762 92 51400 49 58348.55 28JUN99 254.72 .00 0 20763 92 51400 49 100000.00 01JUL99 1 436.55 .00
0 20764 92 51400 49 41412.12 28JUN99 180.78 .00 0 20765 92 51400 49 2367.67 28JUN99 10.34 .00
0 20766 92 51400 49 12106.37 28JUN99 52.85 .00 0 20769 92 51400 49 5568.97 29JUN99 24.31 .00
0 20770 92 51400 49 5568.97 29JUN99 24.31 .00 0 20771 92 51400 49 74647.23 29JUN99 325.87 .00
0 20772 92 51400 49 71842.60 29JUN99 313.63 .00 0 20773 92 51400 49 34286.21 29JUN99 149.68 .00
0 20774 92 51400 49 31322.53 29JUN99 136.74 .00 0 20775 92 51400 49 6752.54 29JUN99 29.48 .00
0 20776 92 51400 49 18004.13 29JUN99 78.60 .00 0 20777 92 51400 49 41763.36 29JUN99 182.32 .00
0 20778 92 51400 49 22844.93 09FEB00 99.73 .00 0 20779 92 51400 49 93954.36 30JUN99 410.16 .00
0 20780 92 51400 49 22240.75 30JUN99 97.09 .00 0 20781 92 54000 49 33468.69 02JUL99 153.50 .00
0 20785 92 51400 49 7069.04 30JUN99 30.86 .00 0 20786 92 54000 49 94580.58 01JUL99 433.78 .00
0 20787 92 54000 49 3702.82 01JUL99 16.98 .00 0 20788 92 54000 5580.10 01JUL99 25.59 .00
0 20789 92 54000 49 5588.47 01JUL99 25.63 .00 0 20790 92 54000 49 37478.90 01JUL99 171.89 .00
0 20791 92 54000 49 49341.54 01JUL99 226.30 .00 0 20793 92 54000 49 67558.77 01JUL99 309.84 .00
0 20794 92 54000 49 23459.04 03AUG99 107.59 .00 0 20795 92 54000 49 33000.00 31AUG99 1 151.35 .00
0 20796 92 54000 49 10460.50 01JUL99 47.98 .00 0 20797 92 54000 49 20917.94 02JUL99 95.94 .00
0 20798 92 54000 49 6885.47 02JUL99 31.58 .00 0 20799 92 54000 49 12701.92 02JUL99 58.25 .00
0 20800 92 54000 49 24730.20 02JUL99 113.42 .00 0 20803 92 54000 49 10044.60 12APR00 46.07 .00
0 20804 92 53700 49 10456.36 02JUL99 47.69 .00 0 20805 92 54000 10458.97 02JUL99 47.97 .00
0 20806 92 54000 49 6526.46 02JUL99 29.93 .00 0 20807 92 54000 49 10458.97 02JUL99 47.97 .00
0 20808 92 53700 49 102506.12 02JUL99 467.51 .00 0 20810 92 54000 49 34052.49 02JUL99 156.17 .00
0 20811 92 51600 49 27071.30 02JUL99 118.64 .00 0 20812 92 53700 49 45846.00 02JUL99 209.10 .00
0 20813 92 54000 49 1893.04 02JUL99 8.68 .00 0 20814 92 54000 49 23762.68 06JUL99 108.98 .00
0 20815 92 54000 49 2607.31 06JUL99 11.96 .00 0 20816 92 54000 49 98256.36 06JUL99 450.63 .00
0 20817 92 54000 49 5871.13 06JUL99 26.93 .00 0 20818 92 54000 49 15322.60 06JUL99 70.27 .00
0 20821 92 54000 49 32230.77 06JUL99 147.82 .00 0 20822 92 54000 49 10551.55 06JUL99 48.39 .00
0 20823 92 54000 49 12020.73 06JUL99 55.13 .00 0 20825 92 54000 49 68706.23 07JUL99 315.11 .00
0 20826 92 54000 49 14430.94 07JUL99 66.18 .00 0 20827 92 54000 49 100000.00 11AUG99 1 458.63 .00
0 20828 92 54000 49 1990.66 07JUL99 9.13 .00 0 20829 92 54000 49 62707.57 07JUL99 287.60 .00
0 20830 92 54000 49 100000.00 01SEP99 1 458.63 .00 0 20831 92 54000 49 30596.30 07JUL99 140.32 .00
0 20832 92 54000 49 9406.13 07JUL99 43.14 .00 0 20833 92 54000 49 20902.53 07JUL99 95.87 .00
0 20835 92 54000 24296.10 08JUL99 111.43 .00 0 20836 92 54000 5094.27 14JUL99 23.36 .00
0 20837 92 54000 49 5082.49 09JUL99 23.31 .00 0 20838 92 54000 49 11686.11 08JUL99 53.60 .00
0 20839 92 54000 49 32148.01 08JUL99 147.44 .00 0 20840 92 54000 49 86915.84 08JUL99 398.62 .00
0 20841 92 54000 49 116577.23 08JUL99 1 534.66 .00 0 20842 92 54000 49 19828.61 08JUL99 90.94 .00
0 20843 92 54000 49 28896.97 08JUL99 132.53 .00 0 20844 92 54000 49 8489.10 08JUL99 38.93 .00
0 20845 92 54000 1471.08 08JUL99 6.75 .00 0 20846 92 54000 49 13584.63 08JUL99 62.30 .00
0 20847 92 54000 49 30299.73 09JUL99 138.96 .00 0 20848 92 54000 49 21418.75 09JUL99 98.23 .00
0 20849 92 54000 49 3317.28 09JUL99 15.21 .00 0 20850 92 54000 49 7365.97 09JUL99 33.78 .00
0 20851 92 54000 49 49538.62 09JUL99 227.20 .00 0 20852 92 54000 49 64455.23 09JUL99 295.61 .00
0 20853 92 54000 49 4179.28 09JUL99 19.17 .00 0 20855 92 53700 49 1044.57 09JUL99 4.76 .00
0 20860 92 54000 49 1044.81 09JUL99 4.79 .00 0 20861 92 54000 49 94961.89 09JUL99 435.52 .00
0 20862 92 47900 49 3955.30 12JUL99 16.09 .00 0 20864 92 54000 49 83548.49 12JUL99 383.18 .00
0 20865 92 54000 10823.39 12JUL99 49.64 .00 0 20866 92 54000 49 10442.02 13JUL99 47.89 .00
0 20867 92 54000 49 66272.38 13JUL99 303.95 .00 0 20868 92 54000 49 6681.91 13JUL99 30.65 .00
0 20869 92 54000 49 10442.02 13JUL99 47.89 .00 0 20871 92 54000 49 11097.70 13JUL99 50.90 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 169
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20872 92 54000 49 2194.55 13AUG99 10.06 .00 0 20873 92 54000 49 24571.84 13JUL99 112.69 .00
0 20874 92 54000 49 10442.02 13JUL99 47.89 .00 0 20875 92 53700 13168.27 14JUL99 60.06 .00
0 20876 92 53700 17212.81 14JUL99 78.50 .00 0 20877 92 54000 49 15660.72 14JUL99 71.82 .00
0 20878 92 54000 49 15660.72 14JUL99 71.82 .00 0 20879 92 54000 49 16849.85 14JUL99 77.28 .00
0 20880 92 54000 49 105461.40 14JUL99 483.68 .00 0 20881 92 54000 49 6590.83 14JUL99 30.23 .00
0 20882 92 54000 49 18630.60 14JUL99 85.45 .00 0 20883 92 54000 49 15656.10 16JUL99 71.80 .00
0 20884 92 54000 49 48331.25 15JUL99 221.66 .00 0 20885 92 54000 49 9396.43 15JUL99 43.09 .00
0 20886 92 54000 49 56183.25 15JUL99 1 257.67 .00 0 20887 92 54000 49 3131.68 15JUL99 14.36 .00
0 20888 92 54000 49 52194.98 15JUL99 239.38 .00 0 20889 92 54000 49 21196.43 15JUL99 97.21 .00
0 20890 92 54000 49 44461.05 15JUL99 203.91 .00 0 20891 92 54000 49 35846.84 15JUL99 164.40 .00
0 20892 92 54000 49 104389.39 15JUL99 478.76 .00 0 20893 92 57500 49 9723.70 15JUL99 47.49 .00
0 20894 92 53700 4519.08 16JUL99 20.61 .00 0 20895 92 54000 49 2490.28 16JUL99 11.42 .00
0 20897 92 53700 49 21903.68 19JUL99 99.90 .00 0 20898 92 54000 49 5218.70 16JUL99 23.93 .00
0 20899 92 56000 49 111589.50 16JUL99 530.74 .00 0 20900 92 54000 49 22461.28 16JUL99 103.01 .00
0 20901 92 56000 49 111589.50 16JUL99 530.74 .00 0 20902 92 56000 49 131106.05 16JUL99 623.56 .00
0 20903 92 54000 2087.47 16JUL99 9.57 .00 0 20904 92 54000 49 58898.13 16JUL99 270.12 .00
0 20905 92 53700 49 99751.75 19JUL99 454.95 .00 0 20906 92 53700 49 10380.77 19JUL99 47.34 .00
0 20907 92 53700 49 10380.77 19JUL99 47.34 .00 0 20908 92 53700 49 58733.92 19JUL99 267.87 .00
0 20909 92 53700 49 35327.39 19JUL99 161.12 .00 0 20910 92 53700 49 6716.58 19JUL99 30.63 .00
0 20911 92 53700 49 18633.55 19JUL99 84.98 .00 0 20912 92 53700 49 31290.98 19JUL99 142.71 .00
0 20913 92 53700 49 12516.40 19JUL99 57.09 .00 0 20914 92 53700 49 11665.22 19JUL99 53.20 .00
0 20915 92 53700 49 31286.38 20JUL99 142.69 .00 0 20916 92 53700 49 43800.94 20JUL99 199.77 .00
0 20917 92 53700 49 7300.16 20JUL99 33.29 .00 0 20918 92 53700 49 38300.74 20JUL99 174.68 .00
0 20919 92 53700 49 6913.44 20JUL99 31.53 .00 0 20920 92 53700 69 48934.67 20JUL99 223.18 .00
0 20921 92 53700 49 27019.70 21JUL99 123.23 .00 0 20922 92 53700 49 13785.42 21JUL99 62.87 .00
0 20923 92 53700 49 26395.46 21JUL99 120.38 .00 0 20924 92 53700 49 30530.69 21JUL99 139.25 .00
0 20925 92 53700 49 2559.78 21JUL99 11.67 .00 0 20926 92 53700 49 20854.54 21JUL99 95.11 .00
0 20927 92 53700 49 63922.12 26JUL99 291.54 .00 0 20928 92 53700 49 14307.44 21JUL99 65.25 .00
0 20929 92 53700 49 31352.39 22JUL99 1 142.99 .00 0 20930 92 53700 49 54984.17 22JUL99 250.77 .00
0 20931 92 53700 49 55745.80 22JUL99 254.25 .00 0 20932 92 53700 49 11684.36 22JUL99 53.29 .00
0 20933 92 53700 49 19415.82 22JUL99 88.55 .00 0 20934 92 53700 49 20495.07 23JUL99 93.47 .00
0 20935 92 53700 49 93817.79 23JUL99 427.89 .00 0 20936 92 53700 10424.21 23JUL99 47.54 .00
0 20938 92 53700 49 23248.41 23JUL99 106.03 .00 0 20939 92 53700 49 10425.81 23JUL99 47.55 .00
0 20940 92 53700 49 5212.10 23JUL99 23.77 .00 0 20941 92 53700 49 8797.18 23JUL99 40.12 .00
0 20942 92 53700 49 21497.78 23JUL99 98.05 .00 0 20943 92 53700 49 10031.64 23JUL99 1 45.75 .00
0 20944 92 53700 49 39948.85 23JUL99 182.20 .00 0 20945 92 53700 49 23279.86 21MAR00 106.18 .00
0 20947 92 53700 49 10893.54 27JUL99 49.68 .00 0 20948 92 53700 11996.79 26JUL99 54.72 .00
0 20949 92 53700 14517.39 26JUL99 66.21 .00 0 20950 92 53700 15666.98 26JUL99 71.45 .00
0 20951 92 53700 49 73921.65 26JUL99 337.14 .00 0 20952 92 53700 50000.00 26JUL99 1 228.04 .00
0 20953 92 53700 49 11493.46 26JUL99 52.42 .00 0 20955 92 53700 49 20839.21 26JUL99 95.04 .00
0 20956 92 53700 14722.83 26JUL99 67.15 .00 0 20957 92 53700 72937.24 26JUL99 332.65 .00
0 20958 92 53700 93776.46 26JUL99 427.70 .00 0 20959 92 56100 49 104387.22 26JUL99 497.37 .00
0 20960 92 53700 49 10419.62 26JUL99 47.52 .00 0 20961 92 53700 49 23878.25 26JUL99 108.90 .00
0 20962 92 53700 49 49845.69 26JUL99 227.34 .00 0 20963 92 53700 105679.10 26JUL99 481.98 .00
0 20964 92 53700 49 2255.08 27JUL99 10.29 .00 0 20965 92 53700 49 14855.15 27JUL99 67.75 .00
0 20966 92 53700 49 11851.76 27JUL99 54.05 .00 0 20967 92 53700 49 65308.19 27JUL99 297.86 .00
0 20968 92 53700 2695.55 27JUL99 12.29 .00 0 20970 92 53700 49 25623.91 27JUL99 116.87 .00
0 20971 92 53700 49 1144.79 27JUL99 5.22 .00 0 20972 92 53700 49 5209.05 27JUL99 23.76 .00
0 20973 92 53700 49 13541.51 28JUL99 61.76 .00 0 20974 92 53700 15624.83 28JUL99 71.26 .00
0 20975 92 53700 49 64175.23 28JUL99 292.69 .00 0 20976 92 53700 63 5000.00 02AUG99 1 22.80 .00
0 20977 92 53700 49 100055.43 28JUL99 456.33 .00 0 20979 92 53700 5000.00 02AUG99 1 22.80 .00
0 20980 92 53700 6000.00 03SEP99 1 27.36 .00 0 20981 92 53700 49 5208.27 28JUL99 23.75 .00
0 20982 92 53700 5611.87 28JUL99 25.59 .00 0 20983 92 53700 49 13820.82 28JUL99 63.03 .00
0 20984 92 53700 49 9374.89 28JUL99 42.76 .00 0 20985 92 53700 49 3327.74 29JUL99 15.18 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 170
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20986 92 53700 49 29637.86 29JUL99 135.17 .00 0 20987 92 53700 49 48774.30 29JUL99 222.45 .00
0 20988 92 53700 49 33277.07 29JUL99 151.77 .00 0 20989 92 53700 49 3543.28 29JUL99 16.16 .00
0 20990 92 53700 49 30868.23 29JUL99 140.78 .00 0 20991 92 53700 49 11542.76 29JUL99 52.64 .00
0 20992 92 53700 49 16608.46 29JUL99 75.75 .00 0 20993 92 53700 49 8600.71 29JUL99 39.23 .00
0 20994 92 53700 49 19830.23 29JUL99 90.44 .00 0 20995 92 53700 49 62480.87 30JUL99 284.96 .00
0 20996 92 53700 49 26033.71 30JUL99 118.74 .00 0 20997 92 53700 49 83307.83 30JUL99 379.95 .00
0 20998 92 53700 49 46860.66 30JUL99 213.72 .00 0 20999 92 53700 49 38732.41 30JUL99 176.65 .00
0 21001 92 53700 49 3499.55 30JUL99 15.96 .00 0 21002 92 53700 49 6727.49 30JUL99 30.68 .00
0 21003 92 53700 49 8605.54 30JUL99 39.25 .00 0 21004 92 53700 49 57248.89 02AUG99 261.10 .00
0 21005 92 53700 49 81065.91 07FEB00 369.73 .00 0 21006 92 56000 49 104267.30 02AUG99 495.91 .00
0 21007 92 53700 49 13305.10 02AUG99 60.68 .00 0 21008 92 53700 49 8241.92 02AUG99 37.59 .00
0 21010 92 53700 49 14514.74 02AUG99 66.20 .00 0 21011 92 53700 49 14478.77 02AUG99 66.04 .00
0 21012 92 53700 49 33561.03 02AUG99 153.07 .00 0 21013 92 56000 49 100733.48 10APR00 479.10 .00
0 21014 92 53700 49 50452.76 14MAR00 230.11 .00 0 21015 92 56000 49 51524.59 24JAN00 245.06 .00
0 21017 92 53700 49 24901.28 02AUG99 113.57 .00 0 21018 92 53700 49 7983.18 03AUG99 36.41 .00
0 21019 92 53700 49 48069.50 02AUG99 219.24 .00 0 21020 92 53700 49 39625.19 02AUG99 180.72 .00
0 21021 92 53700 49 20817.76 02AUG99 94.95 .00 0 21023 92 53700 11758.48 03AUG99 53.63 .00
0 21024 92 53700 49 11758.68 03AUG99 53.63 .00 0 21025 92 53700 49 50000.00 15SEP99 1 228.04 .00
0 21026 92 53700 49 34004.94 03AUG99 155.09 .00 0 21027 92 53700 11059.88 03AUG99 50.44 .00
0 21028 92 53700 49 7383.69 03AUG99 33.68 .00 0 21029 92 53700 49 3499.55 03AUG99 15.96 .00
0 21030 92 53700 49 24528.53 03AUG99 111.87 .00 0 21031 92 53700 49 7418.58 03AUG99 33.83 .00
0 21032 92 53700 49 11087.87 03AUG99 50.37 .00 0 21033 92 53700 49 12833.21 03AUG99 58.53 .00
0 21034 92 53700 49 11651.74 03AUG99 53.14 .00 0 21035 92 53700 49 74933.04 03AUG99 341.76 .00
0 21036 92 53700 49 98000.00 03AUG99 1 446.96 .00 0 21037 92 53700 49 6804.45 03AUG99 31.03 .00
0 21038 92 53700 49 15611.06 03AUG99 71.20 .00 0 21039 92 53700 49 13941.50 03AUG99 63.58 .00
0 21040 92 53700 49 100367.33 03AUG99 457.76 .00 0 21041 92 53700 49 9738.90 03AUG99 44.42 .00
0 21043 92 53700 49 30176.92 04AUG99 137.63 .00 0 21044 92 53700 49 104486.50 04AUG99 476.54 .00
0 21045 92 53700 58311.42 04AUG99 265.95 .00 0 21046 92 53700 49 58311.42 04AUG99 265.95 .00
0 21047 92 53700 49 43659.61 04AUG99 199.12 .00 0 21048 92 53700 49 35964.44 04AUG99 164.03 .00
0 21049 92 53700 49 32436.21 04AUG99 147.94 .00 0 21050 92 53700 49 52288.86 04AUG99 238.48 .00
0 21051 92 53700 49 19982.98 05AUG99 91.14 .00 0 21052 92 56000 49 104219.55 05AUG99 495.69 .00
0 21053 92 53700 30024.07 05AUG99 1 136.93 .00 0 21054 92 53700 49 5202.16 05AUG99 23.73 .00
0 21055 92 53700 49 15310.96 05AUG99 69.83 .00 0 21056 92 53700 12485.18 05AUG99 56.94 .00
0 21057 92 53700 14894.82 05AUG99 67.93 .00 0 21058 92 53700 49 5804.61 05AUG99 26.47 .00
0 21059 92 53700 49 37420.59 11AUG99 1 170.67 .00 0 21060 92 53700 49 12189.03 05AUG99 55.59 .00
0 21061 92 53700 49 37739.85 11AUG99 1 172.12 .00 0 21062 92 53700 49 37580.21 11AUG99 1 171.40 .00
0 21063 92 53700 49 11081.08 05AUG99 50.54 .00 0 21067 92 53700 49 13540.52 06AUG99 61.76 .00
0 21068 92 53700 49 5769.56 06AUG99 26.31 .00 0 21069 92 53700 49 68683.89 06AUG99 313.25 .00
0 21070 92 53700 49 10758.94 06AUG99 49.07 .00 0 21071 92 53700 49 7601.06 06AUG99 34.67 .00
0 21072 92 53700 49 3891.23 06AUG99 17.75 .00 0 21073 92 53700 49 13340.89 06AUG99 60.85 .00
0 21074 92 53700 49 21229.90 06AUG99 96.83 .00 0 21075 92 53700 49 21325.73 06AUG99 97.26 .00
0 21076 92 53700 49 5862.15 06AUG99 26.74 .00 0 21077 92 53700 49 45365.77 06AUG99 206.91 .00
0 21078 92 53700 49 11079.45 06AUG99 50.53 .00 0 21079 92 53700 49 7475.73 06AUG99 34.10 .00
0 21080 92 53700 49 7475.68 06AUG99 34.10 .00 0 21081 92 53700 49 7475.68 06AUG99 34.10 .00
0 21082 92 53700 49 70055.90 06AUG99 1 319.51 .00 0 21083 92 53700 49 64590.34 06AUG99 294.59 .00
0 21084 92 53700 49 100079.86 06AUG99 1 456.45 .00 0 21085 92 53700 49 17410.68 06AUG99 79.41 .00
0 21086 92 53700 7475.68 06AUG99 34.10 .00 0 21088 92 53700 49 29355.53 06AUG99 133.89 .00
0 21089 92 53700 49 1246.84 06AUG99 5.69 .00 0 21090 92 53700 49 11826.42 06AUG99 53.94 .00
0 21093 92 53700 49 15597.33 09AUG99 71.14 .00 0 21094 92 53700 49 74946.82 09AUG99 341.82 .00
0 21096 92 53700 49 27083.63 09AUG99 1 123.52 .00 0 21097 92 53700 49 5539.07 09AUG99 25.26 .00
0 21098 92 53700 49 72787.33 09AUG99 331.97 .00 0 21099 92 53700 49 39167.93 09AUG99 178.64 .00
0 21100 92 53700 49 20796.45 09AUG99 94.85 .00 0 21101 92 53700 49 41592.88 09AUG99 189.70 .00
0 21102 92 53700 49 100000.00 09AUG99 1 456.08 .00 0 21103 92 53700 49 20917.21 09AUG99 95.40 .00
0 21104 92 53700 49 12667.33 09AUG99 57.77 .00 0 21105 92 53700 49 18000.00 09AUG99 1 82.09 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 171
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 21106 92 53700 49 20476.02 09AUG99 93.39 .00 0 21107 92 53700 49 21488.37 09AUG99 98.00 .00
0 21108 92 53700 49 46785.12 10AUG99 213.38 .00 0 21109 92 53700 49 5543.55 10AUG99 25.28 .00
0 21110 92 53700 49 5822.16 10AUG99 26.55 .00 0 21111 92 53700 49 14719.73 10AUG99 67.13 .00
0 21112 92 53700 49 31190.07 10AUG99 142.25 .00 0 21113 92 53700 49 31190.07 10AUG99 142.25 .00
0 21114 92 53700 49 10772.60 10AUG99 49.13 .00 0 21115 92 53700 49 37428.10 10AUG99 170.70 .00
0 21116 92 53700 49 64502.39 10AUG99 294.18 .00 0 21117 92 53700 49 22156.82 11AUG99 101.05 .00
0 21118 92 53700 49 22203.06 11AUG99 101.26 .00 0 21119 92 53700 49 42136.48 11AUG99 192.18 .00
0 21120 92 53700 49 5538.23 11AUG99 25.26 .00 0 21121 92 53700 49 27696.03 11AUG99 126.32 .00
0 21123 92 53700 49 19335.30 11AUG99 88.18 .00 0 21124 92 53700 49 6879.35 11AUG99 31.38 00
0 21125 92 56000 49 65564.35 11AUG99 311.83 .00 0 21126 92 56000 49 68650.72 11AUG99 326.51 .00
0 21127 92 47900 12991.55 11AUG99 52.85 .00 0 21129 92 53700 49 7456.36 11AUG99 34.01 .00
0 21130 92 53700 49 6566.31 12AUG99 29.95 .00 0 21132 92 53700 49 25630.00 12AUG99 116.89 .00
0 21133 92 53700 49 5920.33 21MAR00 27.00 .00 0 21134 92 53700 49 53534.04 12AUG99 244.16 .00
0 21135 92 53700 49 34466.63 17AUG99 157.20 .00 0 21136 92 53700 69 8484.55 18AUG99 38.70 .00
0 21137 92 53700 49 3888.63 18AUG99 17.74 .00 0 21138 92 53700 49 30888.21 17AUG99 140.88 .00
0 21139 92 53700 49 2480.80 12AUG99 11.31 .00 0 21140 92 53700 49 14551.09 12AUG99 66.36 .00
0 21141 92 53700 49 14551.09 12AUG99 66.36 .00 0 21142 92 53700 49 44626.41 13AUG99 203.53 .00
0 21143 92 53700 49 7274.49 13AUG99 33.18 .00 0 21144 92 53700 49 14502.78 17AUG99 66.14 .00
0 21145 92 53700 49 5196.07 13AUG99 23.70 .00 0 21146 92 53700 49 20784.24 13AUG99 94.79 .00
0 21147 92 53700 49 28258.50 13AUG99 128.88 .00 0 21148 92 53700 49 98725.14 13AUG99 450.27 .00
0 21149 92 53700 49 97571.44 13AUG99 445.01 .00 0 21150 92 56000 49 104092.15 13AUG99 495.08 .00
0 21151 92 53700 49 9235.59 13AUG99 42.12 .00 0 21152 92 53700 49 9235.59 13AUG99 42.12 .00
0 21153 92 53700 49 10739.43 13AUG99 48.98 .00 0 21154 92 53700 49 11090.61 13AUG99 50.58 .00
0 21155 92 53700 49 46510.24 16AUG99 212.12 .00 0 21156 92 53700 49 46510.24 16AUG99 212.12 .00
0 21157 92 53700 49 6878.81 16AUG99 31.37 .00 0 21158 92 53700 49 6274.08 16AUG99 28.61 .00
0 21159 92 53700 49 8210.49 16AUG99 37.45 .00 0 21160 92 53700 49 8210.49 16AUG99 37.45 .00
0 21161 92 53700 49 98681.70 16AUG99 450.07 .00 0 21162 92 53700 49 103875.46 16AUG99 473.76 .00
0 21163 92 53700 49 103875.46 16AUG99 473.76 .00 0 21164 92 53700 49 15581.33 16AUG99 71.06 .00
0 21165 92 53700 49 10387.55 16AUG99 47.38 .00 0 21166 92 53700 49 24938.73 16AUG99 113.74 .00
0 21167 92 53700 49 31162.64 16AUG99 142.13 .00 0 21168 92 53700 49 31162.64 16AUG99 142.13 .00
0 21169 92 53700 49 31162.64 16AUG99 142.13 .00 0 21170 92 53700 49 10423.21 16AUG99 47.54 .00
0 21171 92 53700 49 93487.92 16AUG99 426.38 .00 0 21172 92 53700 49 14177.92 16AUG99 64.66 .00
0 21173 92 53700 49 10387.55 16AUG99 47.38 .00 0 21174 92 53700 49 20775.09 16AUG99 94.75 .00
0 21175 92 53700 49 2748.67 16AUG99 12.54 .00 0 21176 92 53700 49 2476.13 16AUG99 11.29 .00
0 21177 92 53700 49 15579.04 17AUG99 71.05 .00 0 21178 92 53700 49 6805.33 17AUG99 31.04 .00
0 21179 92 53700 49 20772.04 17AUG99 94.74 .00 0 21180 92 53700 49 8537.21 17AUG99 38.94 .00
0 21181 92 53700 49 28713.12 17AUG99 130.96 .00 0 21182 92 53700 49 5470.11 17AUG99 24.95 .00
0 21183 92 53700 49 10494.96 17AUG99 47.87 .00 0 21184 92 53700 49 10386.01 17AUG99 47.37 .00
0 21185 92 53700 49 6201.47 17AUG99 28.28 .00 0 21186 92 53700 49 31158.06 17AUG99 142.11 .00
0 21193 92 53700 49 7270.21 17AUG99 33.16 .00 0 21194 92 53700 49 1844.77 17AUG99 8.41 .00
0 21195 92 53700 49 106125.62 18AUG99 484.02 .00 0 21196 92 53700 49 22141.11 18AUG99 100.98 .00
0 21197 92 53700 49 22141.11 18AUG99 100.98 .00 0 21198 92 53700 49 21696.58 18AUG99 98.95 .00
0 21199 92 53700 49 7177.32 18AUG99 32.73 .00 0 21200 92 53700 60221.23 19AUG99 274.66 .00
0 21201 92 53700 49 10382.98 19AUG99 47.35 .00 0 21203 92 53700 49 12415.87 19AUG99 56.63 .00
0 21204 92 53700 49 35000.00 19AUG99 1 159.63 .00 0 21205 92 53700 49 74952.35 19AUG99 341.84 .00
0 21206 99 53700 49 11673.60 20AUG99 628.59 .00 0 21207 92 53700 49 29098.18 20AUG99 132.71 .00
0 21208 92 56000 49 20796.13 20AUG99 98.91 .00 0 21209 92 56000 49 83506.86 20AUG99 397.17 .00
0 21210 92 53700 49 20762.90 20AUG99 94.70 .00 0 21211 92 56000 49 20796.13 20AUG99 98.91 .00
0 21212 92 56000 49 83506.88 20AUG99 397.17 .00 0 21213 92 53700 49 68600.97 20AUG99 312.88 .00
0 21214 92 53700 49 102149.61 23AUG99 465.89 .00 0 21215 92 53700 49 8730.27 23AUG99 39.82 .00
0 21216 92 53700 49 7532.81 23AUG99 34.36 .00 0 21217 92 53700 49 21032.28 23AUG99 95.92 .00
0 21218 92 53700 98580.30 23AUG99 449.61 .00 0 21219 92 53700 49 3663410 23AUG99 167.08 .00
0 21220 92 53700 49 5000.00 23AUG99 1 22.80 .00 0 21226 92 53700 49 88177.51 25AUG99 402.16 .00
0 21228 92 53700 49 30462.13 25AUG99 138.93 .00 0 21229 92 53700 49 1152.31 25AUG99 5.26 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 172
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 21230 99 53700 49 10629.70 26AUG99 572.38 .00 0 21233 92 53700 49 37479.72 27AUG99 170.94 .00
0 21234 92 53700 49 5185.38 27AUG99 23.65 .00 0 21236 92 53700 49 11638.27 27AUG99 53.08 .00
0 21237 92 53700 49 5410.84 30AUG99 1 24.68 .00 0 21238 92 53700 49 9009.23 30AUG99 41.09 .00
0 21239 92 53700 49 5755.61 30AUG99 26.25 .00 0 21240 92 53700 49 14139.44 30AUG99 64.49 .00
0 21241 92 53700 49 38657.77 31AUG99 176.31 .00 0 21242 92 56100 49 10381.24 31AUG99 49.46 .00
0 21243 92 56100 49 9388.96 31AUG99 44.74 .00 0 21244 92 56100 49 10378.06 02SEP99 49.45 .00
0 21245 92 56100 49 13103.19 03SEP99 62.43 .00 0 21246 92 56100 49 66456.49 03SEP99 316.64 .00
0 21247 92 56100 49 6016.43 03SEP99 28.67 .00 0 21248 92 56100 49 1308.23 03SEP99 6.13 .00
0 21249 92 56100 49 5188.24 03SEP99 24.72 .00 0 21250 92 56100 49 5188.24 03SEP99 24.72 .00
0 21251 92 56100 49 5188.24 03SEP99 24.72 .00 0 21252 92 56100 49 5166.00 03SEP99 24.61 .00
0 21254 92 56100 49 19410.58 07SEP99 92.48 .00 0 21255 92 56100 49 10370.12 07SEP99 49.41 .00
0 21256 92 56100 49 10370.12 07SEP99 49.41 .00 0 21257 92 56100 49 10370.12 07SEP99 49.41 .00
0 21258 92 47900 49 5155.62 10SEP99 20.97 .00 0 21259 92 47900 49 5155.62 10SEP99 20.97 .00
0 21260 92 56100 49 10370.12 07SEP99 49.41 .00 0 21261 92 56100 49 17275.82 07SEP99 82.31 .00
0 21262 92 56100 49 9020.33 08SEP99 42.98 .00 0 21263 92 56100 49 3281.07 08SEP99 15.63 .00
0 21264 92 56100 49 20737.07 08SEP99 98.81 .00 0 21265 92 56100 49 3742.97 09SEP99 17.83 .00
0 21266 92 56100 49 41692.84 09SEP99 198.65 .00 0 21267 92 56100 49 87751.70 09SEP99 418.11 .00
0 21268 92 56100 49 73729.00 09SEP99 351.29 .00 0 21269 92 56100 49 19357.05 09SEP99 92.23 .00
0 21270 92 56100 49 27986.44 10SEP99 133.35 .00 0 21271 92 56100 49 3397.78 13SEP99 16.19 .00
0 21272 92 56100 49 67922.21 14SEP99 323.63 .00 0 21273 92 56100 49 2108.99 14SEP99 10.05 .00
0 21274 92 56100 49 8954.62 15SEP99 42.67 .00 0 21275 92 56100 49 1399.09 15SEP99 6.67 .00
0 21276 92 56100 49 44444.42 15SEP99 211.76 .00 0 21277 92 56100 49 3007.49 15SEP99 14.33 .00
0 21278 92 56100 49 5022.59 15SEP99 23.93 .00 0 21279 92 56100 49 27651.67 15SEP99 131.75 .00
0 21280 92 56100 49 4384.54 15SEP99 20.89 .00 0 21281 92 56100 49 17767.28 15SEP99 84.66 .00
0 21282 92 56100 49 46618.44 17SEP99 222.12 .00 0 21283 92 56100 49 27365.39 20SEP99 130.39 .00
0 21284 92 56100 49 27365.37 20SEP99 130.39 .00 0 21285 92 56100 49 3791.43 20SEP99 18.06 .00
0 21286 92 56100 49 7456.06 21SEP99 35.53 .00 0 21287 92 56100 49 35454.98 22SEP99 168.93 .00
0 21288 92 56100 49 3682.51 24SEP99 17.55 .00 0 21289 92 56100 49 2533.43 24SEP99 12.07 .00
0 21291 92 56100 49 12698.05 27SEP99 60.50 .00 0 21292 92 56100 49 10911.06 29SEP99 51.99 .00
0 21293 92 56100 49 11536.79 29SEP99 54.97 .00 0 21294 92 56100 49 12037.40 29SEP99 57.35 .00
0 21296 92 56100 49 17463.84 29SEP99 83.21 .00 0 21297 92 56100 49 31397.87 28APR00 149.60 .00
0 21298 92 56100 49 2175.08 01OCT99 10.36 .00 0 21299 92 56100 49 1087.56 04OCT99 5.18 .00
0 21302 92 56100 49 20984.97 05OCT99 99.99 .00 0 21303 92 56100 49 7554.56 05OCT99 35.99 .00
0 21304 92 56100 49 6195.42 05OCT99 29.52 .00 0 21305 92 56100 49 5272.04 05OCT99 25.12 .00
0 21306 92 56100 49 36011.79 06OCT99 171.58 .00 0 21307 92 56100 49 16967.82 06OCT99 80.85 .00
0 21308 92 57500 49 2075.91 06OCT99 10.14 .00 0 21309 92 57500 49 16352.43 06OCT99 79.86 .00
0 21310 92 57500 49 29143.79 06OCT99 142.33 .00 0 21311 92 57500 49 50033.42 09NOV99 1 244.34 .00
0 21312 92 56100 49 15014.04 08OCT99 1 71.54 .00 0 21313 92 56100 49 8165.08 08OCT99 38.90 .00
0 21316 92 56100 49 29974.11 12OCT99 142.82 .00 0 21317 92 56100 49 29572.71 12OCT99 140.90 .00
0 21319 92 57500 49 78647.77 12OCT99 384.08 .00 0 21320 92 56100 49 5437.77 13OCT99 25.91 .00
0 21321 92 56100 49 103130.42 13OCT99 491.38 .00 0 21323 92 57500 49 60780.42 13OCT99 296.82 .00
0 21324 92 56100 49 46515.39 13OCT99 221.63 .00 0 21325 92 56100 49 5154.94 15OCT99 24.56 .00
0 21326 92 56100 49 13276.15 15OCT99 63.26 .00 0 21327 92 56100 33 8247.90 15OCT99 39.30 .00
0 21328 92 56100 49 10309.88 15OCT99 49.12 .00 0 21329 92 56100 49 22952.29 15OCT99 109.36 .00
0 21330 92 56100 49 2310.07 18OCT99 11.01 .00 0 21331 92 56100 49 2544.70 18OCT99 12.12 .00
0 21332 92 56100 23840.03 19OCT99 113.59 .00 0 21333 92 58400 57 26101.57 19OCT99 129.46 .00
0 21334 92 56100 11350.91 20OCT99 54.08 .00 0 21335 92 57500 49 3652.69 19OCT99 17.84 .00
0 21336 92 56100 49 8241.59 20OCT99 39.27 .00 0 21337 92 56100 49 51185.12 20OCT99 243.88 .00
0 21338 92 47900 49 51640.12 20OCT99 210.08 .00 0 21339 92 56100 49 20638.43 20OCT99 98.34 .00
0 21340 92 56100 1209.81 22OCT99 5.76 .00 0 21341 92 56100 49 2575.50 20OCT99 12.27 .00
0 21342 92 56100 49 27466.87 21OCT99 130.87 .00 0 21343 92 57500 24943.87 21OCT99 121.81 .00
0 21344 92 56100 49 4120.16 21OCT99 19.63 .00 0 21347 93 56100 33 5877.15 25OCT99 28.01 .00
0 21348 93 56100 11588.77 27OCT99 55.22 .00 0 21349 92 56100 49 39105.47 27OCT99 186.32 .00
0 21350 92 58400 49 20000.00 01DEC99 1 99.20 .00 0 21351 92 56100 49 13376.12 28OCT99 63.73 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 173
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 21352 92 58400 49 85176.26 29OCT99 422.47 .00 0 21353 92 56100 49 23370.75 03NOV99 111.35 .00
0 21354 92 58400 49 14667.72 01NOV99 72.75 .00 0 21355 92 58400 5729.59 02NOV99 28.42 .00
0 21356 92 58400 49 12968.81 01NOV99 64.33 .00 0 21357 92 58400 49 23896.19 01NOV99 118.53 .00
0 21358 92 58400 49 30088.38 01NOV99 149.24 .00 0 21359 92 58400 49 18748.81 01NOV99 92.99 .00
0 21360 92 58400 49 28549.05 01NOV99 141.60 .00 0 21361 92 58400 49 6175.88 02NOV99 30.63 .00
0 21362 92 58400 49 13725.05 02NOV99 68.08 .00 0 21363 93 61800 46 40668.45 02NOV99 213.46 .00
0 21364 93 61800 46 95161.54 28MAR00 499.48 .00 0 21365 92 58400 49 100000.00 02NOV99 1 496.00 .00
0 21366 93 61800 46 103005.15 10FEB00 540.65 .00 0 21367 93 61800 46 14337.64 02NOV99 75.25 .00
0 21368 93 61800 46 15525.54 02NOV99 81.49 .00 0 21369 92 58400 49 9512.47 03NOV99 47.18 .00
0 21370 92 58400 41010.70 06DEC99 1 203.41 .00 0 21371 92 58400 41010.70 06DEC99 1 203.41 .00
0 21373 92 58400 33 7563.44 04NOV99 37.51 .00 0 21374 92 61800 49 92762.33 04NOV99 486.89 .00
0 21375 93 61800 45878.63 04NOV99 240.81 .00 0 21376 92 58400 49 5211.56 05NOV99 25.85 .00
0 21377 92 58400 49 20576.39 05NOV99 102.06 .00 0 21378 92 61800 49 59739.87 08NOV99 313.56 .00
0 21379 92 61800 49 51499.88 08NOV99 270.31 .00 0 21380 92 61800 33 28221.42 08NOV99 148.13 .00
0 21381 92 58400 49 3083.25 26NOV99 15.29 .00 0 21382 92 58400 49 60767.59 08NOV99 301.41 .00
0 21383 92 58400 49 48313.64 08NOV99 239.64 .00 0 21384 92 58400 49 74573.01 09NOV99 369.88 .00
0 21385 92 58400 49 64755.63 09NOV99 321.19 .00 0 21386 92 56100 49 2457.03 05OCT99 11.71 .00
0 21387 92 58400 46 12017.02 10NOV99 59.61 .00 0 21388 92 58400 49 46901.89 10NOV99 232.63 .00
0 21389 92 58400 49 66141.86 10NOV99 328.06 .00 0 21390 92 58400 49 9213.18 21MAR00 45.70 .00
0 21391 92 61800 49 7786.94 10NOV99 40.87 .00 0 21392 92 58400 49 14961.32 10NOV99 74.21 .00
0 21393 92 47900 10 4541.66 12NOV99 18.48 .00 0 21394 92 58400 49 74011.70 12NOV99 367.10 .00
0 21395 92 58400 49 12764.99 12NOV99 63.31 .00 0 21396 92 58400 49 50916.90 12NOV99 252.55 .00
0 21397 92 61300 15437.80 12NOV99 80.37 .00 0 21398 92 61300 33 15437.80 12NOV99 80.37 .00
0 21399 92 61800 49 33987.54 12NOV99 178.39 .00 0 21401 92 58400 49 88956.53 12NOV99 441.22 .00
0 21402 92 58400 49 4313.62 12NOV99 21.40 .00 0 21403 92 58400 49 2817.60 12NOV99 13.98 .00
0 21404 92 58400 49 37133.35 18NOV99 184.18 .00 0 21405 92 58400 49 5135.90 15NOV99 25.47 .00
0 21406 92 58400 49 39793.84 15NOV99 197.38 .00 0 21407 92 58400 49 10271.80 15NOV99 50.95 .00
0 21408 92 58400 49 102718.06 15NOV99 509.48 .00 0 21409 92 58400 49 16809.39 15NOV99 83.37 .00
0 21410 92 61800 49 67629.86 15NOV99 354.97 .00 0 21411 92 58400 49 5136.16 16NOV99 25.48 .00
0 21412 93 61800 49 10949.85 16NOV99 57.47 .00 0 21413 93 61800 49 6123.90 16NOV99 32.14 .00
0 21414 93 61800 49 10386.92 16NOV99 54.52 .00 0 21415 92 58400 49 25675.41 16NOV99 127.35 .00
0 21416 92 61800 49 39169.53 16NOV99 205.59 .00 0 21417 92 58400 49 51350.84 16NOV99 254.70 .00
0 21418 92 58400 49 51350.84 16NOV99 254.70 .00 0 21419 92 58400 49 40479.12 16NOV99 200.78 .00
0 21420 92 58400 49 1379.08 17NOV99 6.84 .00 0 21421 92 58400 49 12145.72 17NOV99 60.24 .00
0 21422 92 58400 49 6407.34 17NOV99 31.78 .00 0 21423 92 58400 49 51342.64 17NOV99 254.66 .00
0 21424 92 58400 49 7693.22 18NOV99 38.16 .00 0 21425 92 61800 49 97745.07 18NOV99 1 513.04 .00
0 21426 92 58400 49 8755.72 18NOV99 43.43 .00 0 21427 92 58400 49 45041.59 18NOV99 223.41 .00
0 21428 92 61800 49 50597.00 18NOV99 265.37 .00 0 21429 92 58400 49 4771.61 18NOV99 23.67 .00
0 21430 92 58400 49 31925.22 19NOV99 158.35 .00 0 21431 92 58400 49 11557.74 19NOV99 57.33 .00
0 21432 92 58400 49 38488.59 19NOV99 190.90 .00 0 21433 92 58400 49 38488.59 19NOV99 190.90 .00
0 21434 92 61800 49 16465.24 19NOV99 86.42 .00 0 21435 92 61800 49 77106.51 19NOV99 404.71 .00
0 21436 92 58400 49 30576.65 19NOV99 151.66 .00 0 21437 92 58400 49 17876.05 19NOV99 88.67 .00
0 21438 93 61800 49 4578.13 19NOV99 24.03 .00 0 21439 92 61800 49 100000.00 19NOV99 1 524.88 .00
0 21440 92 58400 49 12063.36 19NOV99 59.83 .00 0 21442 92 58400 49 7289.09 19NOV99 36.16 .00
0 21443 92 58400 49 32029.91 19NOV99 158.87 .00 0 21444 92 58400 49 43127.62 19NOV99 213.91 .00
0 21445 92 58400 49 43127.53 19NOV99 213.91 .00 0 21446 92 58400 49 26222.41 19NOV99 130.06 .00
0 21447 92 58400 49 2397.98 19NOV99 11.89 .00 0 21448 92 58400 49 50000.00 01DEC99 1 248.00 .00
0 21449 92 61800 49 9433.66 19NOV99 49.52 .00 0 21450 92 58400 49 4632.86 19NOV99 22.98 .00
0 21451 92 58400 49 11427.01 19NOV99 56.68 .00 0 21453 92 58400 49 41955.59 19NOV99 208.10 .00
0 21454 92 58400 49 26969.71 19NOV99 133.77 .00 0 21455 92 58400 49 3790.06 01DEC99 18.80 .00
0 21456 92 58400 49 19000.32 19NOV99 94.24 .00 0 21458 92 58400 49 11599.74 19NOV99 57.53 .00
0 21459 92 61800 49 22142.68 22NOV99 116.22 .00 0 21460 92 61800 33 35479.50 22NOV99 186.22 .00
0 21461 92 61800 49 18316.55 22NOV99 96.14 .00 0 21462 92 58400 49 25650.83 22NOV99 127.23 .00
0 21463 92 61800 33 51783.80 22NOV99 271.80 .00 0 21464 92 61800 33 61236.13 22NOV99 321.41 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 174
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 21465 92 61800 49 18695.46 24NOV99 98.13 .00 0 21466 92 58400 49 5128.53 24NOV99 25.44 .00
0 21467 92 58400 49 1335.20 24NOV99 6.62 .00 0 21468 93 61800 49 99000.00 03JAN00 1 519.63 .00
0 21469 92 58400 49 17153.16 26NOV99 85.08 .00 0 21470 92 58400 49 5410.48 26NOV99 26.84 .00
0 21471 92 58400 49 102537.74 26NOV99 508.59 .00 0 21472 92 61800 49 12031.63 26NOV99 63.15 .00
0 21473 92 58400 49 15698.13 26NOV99 77.87 .00 0 21474 92 58400 49 34147.17 26NOV99 169.37 .00
0 21475 92 58400 49 34132.10 26NOV99 169.30 .00 0 21476 92 58400 49 4693.08 26NOV99 23.28 .00
0 21477 92 61800 33 31611.59 29NOV99 165.92 .00 0 21478 92 61800 68600.91 29NOV99 360.07 .00
0 21479 92 58400 49 5124.43 29NOV99 25.42 .00 0 21480 92 58400 49 4029.05 29NOV99 19.98 .00
0 21481 92 58400 49 23608.19 29NOV99 117.10 .00 0 21482 92 58400 49 24244.56 29NOV99 120.25 .00
0 21483 92 58400 49 30746.58 29NOV99 152.50 .00 0 21484 92 61800 9512.06 29NOV99 49.93 .00
0 21487 93 58400 49 102472.17 30NOV99 508.26 .00 0 21488 93 61800 33 35916.15 30NOV99 188.52 .00
0 21489 92 58400 49 25338.62 30NOV99 125.48 .00 0 21490 92 58400 49 10616.21 30NOV99 52.66 .00
0 21491 92 61800 27991.14 30NOV99 146.92 .00 0 21492 92 59400 49 60664.28 01DEC99 306.05 .00
0 21493 92 58400 49 20000.00 01DEC99 1 99.20 .00 0 21494 92 58400 49 2561.40 01DEC99 12.70 .00
0 21495 92 58400 49 5587.61 21MAR00 27.71 .00 0 21496 93 58400 30000.00 02DEC99 1 148.80 .00
0 21497 92 58400 49 11029.82 01DEC99 54.71 .00 0 21498 92 58400 49 16958.22 02DEC99 84.11 .00
0 21499 92 58400 49 102439.46 02DEC99 508.10 .00 0 21500 92 58400 33 76829.59 02DEC99 381.07 .00
0 21501 92 61800 49 30774.87 02DEC99 161.53 .00 0 21502 92 58400 49 16212.26 02DEC99 1 80.41 .00
0 21503 92 58400 49 51219.73 02DEC99 254.05 .00 0 21504 92 58400 49 25609.86 02DEC99 127.02 .00
0 21505 92 58400 49 84468.97 03DEC99 418.97 .00 0 21506 92 58400 52940.90 03DEC99 262.59 .00
0 21507 92 58400 49 15910.39 03DEC99 78.92 .00 0 21508 92 61800 49 97480.58 03DEC99 511.65 .00
0 21509 92 58400 15363.47 03DEC99 76.20 .00 0 21510 92 61800 97150.85 03DEC99 509.92 .00
0 21511 92 61800 49 100000.00 03DEC99 1 524.08 .00 0 21512 93 58400 33 4863.87 03DEC99 24.12 .00
0 21513 92 58400 100979.94 08MAR00 1 1 498.47 .00 0 21514 92 58400 49 11357.77 06DEC99 56.33 .00
0 21515 92 58400 49 50030.06 03FEB00 1 248.15 .00 0 21516 92 58400 49 2849.31 06DEC99 14.13 .00
0 21517 93 58400 4020.64 06DEC99 19.94 .00 0 21518 93 58400 44063.65 06DEC99 218.56 .00
0 21519 92 58400 49 11983.26 06DEC99 59.44 .00 0 21520 92 58400 49 22143.02 07DEC99 109.83 .00
0 21521 92 58400 49 2648.85 07DEC99 13.14 .00 0 21522 92 58400 49 50000.00 08DEC99 1 248.00 .00
0 21523 92 61800 49 61739.45 08DEC99 324.06 .00 0 21524 92 58400 49 12008.05 08DEC99 59.56 .00
0 21525 92 58400 49 23336.34 08DEC99 115.75 .00 0 21526 92 58400 49 23336.34 08DEC99 115.75 .00
0 21527 92 58400 49 23336.34 08DEC99 115.75 .00 0 21528 92 58400 49 23336.34 08DEC99 115.75 .00
0 21529 92 61800 49 100000.00 13JAN00 1 524.88 .00 0 21530 92 61800 49 100000.00 13JAN00 1 524.88 .00
0 21531 92 61800 49 51230.98 09DEC99 268.90 .00 0 21532 92 58400 26927.09 10DEC99 133.56 .00
0 21533 92 61800 101037.15 08MAR00 1 1 527.64 .00 0 21535 92 61800 50964.87 10DEC99 267.50 .00
0 21536 92 58400 16626.50 10DEC99 82.47 .00 0 21537 93 61800 87720.09 10DEC99 460.42 .00
0 21538 92 58400 49 8184.72 10DEC99 40.60 .00 0 21539 93 61800 12293.36 10DEC99 64.52 .00
0 21540 92 58400 49 10230.88 10DEC99 50.75 .00 0 21541 92 61800 49 10237.48 13DEC99 53.73 .00
0 21542 92 58400 49 10226.00 13DEC99 50.72 .00 0 21543 92 61800 49 50972.57 13DEC99 267.54 .00
0 21544 92 00584 49 30979.98 13DEC99 1.54 .00 0 21545 92 58400 2044.87 14DEC99 10.14 .00
0 21546 92 58400 49 23516.06 14DEC99 116.64 .00 0 21547 92 58400 49 5111.38 15DEC99 25.35 .00
0 21548 92 58400 49 10222.13 15DEC99 50.70 .00 0 21549 92 61800 12679.24 16DEC99 66.55 .00
0 21551 92 58400 49 10000.00 16DEC99 1 49.60 .00 0 21552 92 58400 49 10000.00 16DEC99 1 49.60 .00
0 21553 93 61800 2046.82 16DEC99 10.74 .00 0 21554 92 61800 65150.38 17DEC99 1 341.96 .00
0 21575 92 58400 49 15329.22 17DEC99 76.03 .00 0 21576 92 61800 5686.26 20DEC99 29.85 .00
0 21577 93 61800 23720.79 20DEC99 124.50 .00 0 21578 92 58400 49 10214.59 20DEC99 50.66 .00
0 21579 92 58400 49 12160.01 20DEC99 60.31 .00 0 21580 93 61800 60 3801.49 21DEC99 19.95 .00
0 21581 92 58400 49 12535.00 21DEC99 62.17 .00 0 21582 93 61800 81789.85 22DEC99 429.30 .00
0 21583 92 58400 49 23455.77 22DEC99 116.34 .00 0 21584 92 61800 49 100000.00 11JAN00 1 524.88 .00
0 21585 92 58400 25520.14 24DEC99 126.58 .00 0 21586 92 58400 49 87596.82 23DEC99 434.48 .00
0 21587 92 61800 60 51118.65 22DEC99 268.31 .00 0 21588 92 58400 3084.99 23DEC99 15.30 .00
0 21589 93 58400 15972.46 23DEC99 79.22 .00 0 21590 92 58400 49 7937.01 23DEC99 39.37 .00
0 21591 93 58400 41576.06 23DEC99 206.22 .00 0 21592 92 58400 49 26406.24 24DEC99 130.97 .00
0 21593 92 58400 49 22541.92 27DEC99 111.81 .00 0 21595 93 58400 2040.63 27DEC99 10.12 .00
0 21596 93 58400 1733.39 27DEC99 8.60 .00 0 21597 92 58400 22175.84 27DEC99 109.99 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 175
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 21598 92 58400 49 2040.31 28DEC99 10.12 .00 0 21599 92 58400 49 26298.81 30DEC99 130.44 .00
0 21600 92 58400 49 67319.37 29DEC99 333.90 .00 0 21601 92 58400 49 25495.67 30DEC99 126.46 .00
0 21603 92 58400 49 20382.93 04JAN00 101.10 .00 0 21604 92 58400 49 5095.88 03JAN00 25.28 .00
0 21605 92 58400 49 4076.05 04JAN00 20.22 .00 0 21606 92 58400 49 6774.66 04JAN00 33.60 .00
0 21607 93 61800 73375.40 05JAN00 385.13 .00 0 21608 92 58400 49 7329.56 05JAN00 36.35 .00
0 21609 92 58400 49 33960.73 05JAN00 168.45 .00 0 21610 93 58400 25471.29 05JAN00 126.34 .00
0 21611 92 58400 91605.25 06JAN00 454.36 .00 0 21612 92 58400 49 3279.27 06JAN00 16.27 .00
0 21613 92 58400 49 37869.52 06JAN00 187.83 .00 0 21614 92 58400 49 37869.52 06JAN00 187.83 .00
0 21615 93 61800 11934.05 06JAN00 62.64 .00 0 21616 93 61800 119589.32 06JAN00 627.70 .00
0 21617 92 58400 49 31065.08 07JAN00 154.08 .00 0 21618 92 58400 49 50926.36 07JAN00 252.59 .00
0 21619 93 58400 30530.25 07JAN00 151.43 .00 0 21620 93 58400 2475.02 07JAN00 12.28 .00
0 21621 93 58400 3819.48 07JAN00 18.94 .00 0 21622 93 58400 2475.02 07JAN00 12.28 .00
0 21623 92 58400 49 66204.26 07JAN00 328.37 .00 0 21624 92 58400 49 5689.38 10JAN00 28.22 .00
0 21625 92 58400 49 1487.32 10JAN00 7.38 .00 0 21626 92 58400 49 2441.66 10JAN00 12.11 .00
0 21627 92 58400 49 10180.40 10JAN00 50.49 .00 0 21628 92 58400 49 4733.98 10JAN00 23.48 .00
0 21629 92 58400 49 20360.80 10JAN00 100.99 .00 0 21630 92 58400 49 10012.04 10JAN00 1 49.66 .00
0 21631 92 58400 49 47847.89 10JAN00 237.33 .00 0 21632 92 58400 49 15270.60 10JAN00 75.74 .00
0 21633 92 58400 49 12547.34 10JAN00 62.23 .00 0 21634 92 58400 49 20360.80 10JAN00 100.99 .00
0 21635 92 58400 49 100230.35 10JAN00 1 497.14 .00 0 21636 92 61800 80996.40 28APR00 425.13 .00
0 21637 92 58400 49 5136.18 10JAN00 25.48 .00 0 21638 92 58400 49 57655.37 10JAN00 285.97 .00
0 21639 92 58400 49 1947.79 11JAN00 9.66 .00 0 21640 92 58400 49 2573.16 11JAN00 12.76 .00
0 21641 93 61800 58078.78 11JAN00 304.84 .00 0 21642 92 58400 49 28976.12 11JAN00 143.72 .00
0 21643 92 58400 49 8143.02 11JAN00 40.39 .00 0 21644 92 58400 49 50885.77 12JAN00 252.39 .00
0 21645 92 61800 49 31586.70 11JAN00 165.79 .00 0 21646 92 61800 63 31586.70 11JAN00 165.79 .00
0 21647 92 58400 49 10000.00 12JAN00 1 49.60 .00 0 21648 92 58400 49 20354.31 12JAN00 100.96 .00
0 21649 92 58400 49 10177.16 12JAN00 50.48 .00 0 21650 92 58400 49 5087.76 13JAN00 25.24 .00
0 21651 92 58400 49 5107.08 13JAN00 25.33 .00 0 21652 92 58400 49 20162.37 14JAN00 100.01 .00
0 21653 92 58400 49 47817.38 14JAN00 237.17 .00 0 21654 92 58400 49 30723.06 14JAN00 152.39 .00
0 21655 92 59400 49 20924.91 14JAN00 105.56 .00 0 21656 92 59400 49 22823.84 14JAN00 115.14 .00
0 21657 93 58400 25434.76 14JAN00 126.16 .00 0 21658 92 58400 49 2034.78 14JAN00 10.09 .00
0 21659 92 58400 49 32173.99 14JAN00 159.58 .00 0 21660 92 58400 49 20347.82 14JAN00 100.93 .00
0 21661 92 58400 49 53623.26 14JAN00 265.97 .00 0 21662 92 58400 49 6490.92 18JAN00 32.19 .00
0 21663 92 58400 49 75929.27 18JAN00 376.61 .00 0 21664 92 58400 49 43232.45 18JAN00 214.43 .00
0 21665 92 58400 49 103894.76 18JAN00 515.32 .00 0 21666 92 58400 49 50837.08 18JAN00 252.15 .00
0 21667 92 58400 49 80672.57 18JAN00 400.14 .00 0 21668 92 58400 49 5083.71 18JAN00 25.22 .00
0 21669 92 61800 67241.85 18JAN00 352.94 .00 0 21670 92 58400 49 17759.35 18JAN00 88.09 .00
0 21671 92 58400 49 2784.68 18JAN00 13.81 .00 0 21672 92 58400 49 15759.49 18JAN00 78.17 .00
0 21673 92 58400 15286.01 18JAN00 75.82 .00 0 21674 92 58400 101073.47 18JAN00 501.33 .00
0 21675 92 58400 49 25534.38 23DEC99 126.65 .00 0 21676 92 58400 49 45565.31 19JAN00 226.00 .00
0 21677 92 58400 49 37188.05 19JAN00 184.45 .00 0 21678 92 58400 49 50709.27 19JAN00 1 251.52 .00
0 21679 92 59400 49 50845.97 24JAN00 256.51 .00 0 21680 92 58400 11651.08 19JAN00 57.79 .00
0 21681 92 58400 49 23021.95 19JAN00 114.19 .00 0 21682 92 58400 49 5082.08 20JAN00 25.21 .00
0 21683 92 58400 49 8828.36 21JAN00 43.79 .00 0 21684 92 58400 49 2980.76 21JAN00 14.78 .00
0 21685 92 58400 49 8570.09 21JAN00 42.51 .00 0 21687 93 61800 101720.69 21JAN00 533.91 .00
0 21688 92 58400 1829.27 21JAN00 9.07 .00 0 21689 92 58400 49 11812.69 21JAN00 58.59 .00
0 21690 93 58400 1175.82 24JAN00 5.83 .00 0 21691 92 58400 49 2702.00 24JAN00 13.40 .00
0 21692 92 58400 49 15000.00 24JAN00 1 74.40 .00 0 21693 92 59700 49 58935.00 24JAN00 298.82 .00
0 21694 93 61800 30011.51 24JAN00 157.52 .00 0 21695 92 58400 49 5303.83 24JAN00 26.31 .00
0 21696 92 58400 49 4063.07 24JAN00 20.15 .00 0 21697 92 58400 49 1015.77 24JAN00 5.04 .00
0 21698 92 60400 49 1016.31 24JAN00 5.21 .00 0 21699 93 58400 36315.95 24JAN00 180.13 .00
0 21700 92 58400 49 6308.49 24JAN00 31.29 .00 0 21701 92 59700 49 15239.31 25JAN00 77.27 .00
0 21702 92 58400 49 31453.43 25JAN00 156.01 .00 0 21725 92 58400 49 60000.00 03MAR00 1 297.60 .00
0 21726 93 61100 57344.50 03FEB00 297.58 .00 0 21727 92 60600 49 13716.22 03FEB00 70.60 .00
0 21728 92 60600 49 6781.32 04FEB00 34.90 .00 0 21729 92 60600 49 25528.19 04FEB00 1 131.39 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 176
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 21730 92 58400 49 255926.63 04FEB00 1269.40 .00 0 21731 92 60600 49 35301.29 04FEB00 181.69 .00
0 21732 93 62600 49 24786.95 04FEB00 131.79 .00 0 21733 92 62600 49 20299.90 04FEB00 107.93 .00
0 21734 92 62600 49 22978.00 04FEB00 122.17 .00 0 21735 92 60600 49 13948.84 04FEB00 71.79 .00
0 21736 92 62600 49 21962.42 04FEB00 116.77 .00 0 21737 92 58400 49 27109.07 07FEB00 134.46 .00
0 21738 92 60600 49 16599.69 07FEB00 85.44 .00 0 21739 92 58400 49 8362.94 07FEB00 41.48 .00
0 21740 92 58400 49 91214.98 07FEB00 452.43 .00 0 21741 92 60600 49 96331.02 07FEB00 495.80 .00
0 21742 92 60600 49 96331.02 07FEB00 495.80 .00 0 21743 92 58400 49 45555.45 07FEB00 225.96 .00
0 21744 92 60200 49 95308.27 07FEB00 487.30 .00 0 21745 92 58400 49 8547.96 07FEB00 42.40 .00
0 21746 92 58400 49 7815.22 07FEB00 38.76 .00 0 21747 92 58400 49 2137.01 07FEB00 10.60 .00
0 21748 92 58400 49 2137.01 07FEB00 10.60 .00 0 21749 92 58400 49 94921.40 07FEB00 470.81 .00
0 21750 92 60600 49 10140.12 07FEB00 5219 .00 0 21751 92 60600 41754.60 07FEB00 214.90 .00
0 21752 92 58400 49 10691.67 07FEB00 53.03 .00 0 21753 92 58400 49 58791.00 07FEB00 291.60 .00
0 21754 92 60600 49 50000.00 08FEB00 1 257.34 .00 0 21755 92 60600 20008.43 08FEB00 102.98 .00
0 21756 92 60400 49 52717.45 08FEB00 270.43 .00 0 21757 92 60600 49 83634.74 01MAR00 430.46 .00
0 21758 93 58400 50658.83 09FEB00 251.27 .00 0 21759 92 62500 49 15110.18 09FEB00 80.21 .00
0 21760 93 60600 29224.92 09FEB00 150.42 .00 0 21761 92 62600 30423.87 09FEB00 161.75 .00
0 21762 92 62600 30423.87 09FEB00 161.75 .00 0 21763 92 60600 49 15430.01 10FEB00 79.42 .00
0 21764 92 60600 49 7510.44 10FEB00 38.66 .00 0 21765 92 60600 12453.69 10FEB00 64.10 .00
0 21766 93 60600 1215.18 10FEB00 6.25 .00 0 21767 93 60600 36486.27 10FEB00 187.79 .00
0 21768 92 60600 49 45607.84 10FEB00 234.74 .00 0 21769 92 60600 49 3206.39 10FEB00 16.50 .00
0 21770 92 60600 49 16020.64 11FEB00 82.46 .00 0 21771 92 58400 49 67453.23 11FEB00 334.57 .00
0 21772 92 60600 49 95253.94 11FEB00 490.26 .00 0 21773 93 58400 49 6642.46 11FEB00 32.95 .00
0 21774 92 58400 49 2428.74 11FEB00 12.05 .00 0 21775 92 60600 49 34453.55 11FEB00 177.33 .00
0 21776 92 58400 49 12887.07 14FEB00 63.92 .00 0 21777 92 60600 49 47280.68 14FEB00 243.35 .00
0 21778 92 58400 49 5061.84 14FEB00 25.11 .00 0 21779 92 60600 49 2636.01 14FEB00 13.57 .00
0 21780 92 60600 49 1552.90 14FEB00 7.99 .00 0 21781 92 60600 49 14896.84 14FEB00 76.67 .00
0 21782 92 60600 49 16014.60 14FEB00 82.42 .00 0 21783 92 61800 20261.84 14FEB00 106.35 .00
0 21784 92 61800 20261.84 14FEB00 106.35 .00 0 21785 92 58400 49 20000.00 14FEB00 1 99.20 .00
0 21786 92 60600 49 2380.36 14FEB00 12.25 .00 0 21787 92 61500 5815.25 14FEB00 30.37 .00
0 21788 92 58400 49 23785.25 15FEB00 117.97 .00 0 21789 92 60600 49 1050.30 15FEB00 5.41 .00
0 21790 92 60600 49 1012.67 15FEB00 5.21 .00 0 21791 92 60600 49 3393.62 16FEB00 17.47 .00
0 21792 92 60600 49 2025.01 16FEB00 10.42 .00 0 21793 92 60600 49 2025.01 16FEB00 10.42 .00
0 21794 92 60600 49 36444.01 17FEB00 187.57 .00 0 21795 92 60600 49 69570.68 17FEB00 358.07 .00
0 21796 92 60600 49 2857.94 18FEB00 14.71 .00 0 21797 92 62500 49 101398.34 18FEB00 538.24 .00
0 21798 93 62500 52 10125.49 18FEB00 53.75 .00 0 21799 92 60600 49 13032.46 18FEB00 67.08 .00
0 21800 92 58400 49 2631.09 17FEB00 13.05 .00 0 21801 93 60600 49 29863.84 17FEB00 153.70 .00
0 21802 92 60600 49 96171.69 17FEB00 494.98 .00 0 21803 92 62500 49 23292.60 17FEB00 123.64 .00
0 21804 92 61800 49 17637.39 17FEB00 92.57 .00 0 21805 92 58400 49 4884.61 25JAN00 24.23 .00
0 21806 92 58400 49 81235.45 26JAN00 402.93 .00 0 21807 93 61800 85372.05 26JAN00 448.10 .00
0 21808 92 58400 49 8564.82 26JAN00 42.48 .00 0 21809 92 58400 49 32106.99 27JAN00 159.25 .00
0 21810 92 59700 49 104677.84 27JAN00 530.76 .00 0 21811 92 58400 49 11559.19 28JAN00 57.33 .00
0 21812 92 58400 49 6089.79 28JAN00 30.21 .00 0 21813 92 59700 49 5354.09 28JAN00 27.15 .00
0 21814 92 60600 49 6417.62 03FEB00 33.03 .00 0 21815 92 60600 49 3208.81 03FEB00 16.52 .00
0 21816 92 60600 49 3208.81 03FEB00 16.52 .00 0 21817 92 59200 49 16120.67 28JAN00 81.05 .00
0 21818 93 61100 25395.53 28JAN00 131.79 .00 0 21819 92 59700 13823.50 28JAN00 70.09 .00
0 21820 92 59700 49 13823.50 28JAN00 70.09 .00 0 21821 92 58400 49 7518.98 31JAN00 37.29 .00
0 21822 92 58400 49 3560.15 31JAN00 17.66 .00 0 21823 92 58400 49 11475.74 31JAN00 56.92 .00
0 21824 92 61600 49 10154.37 31JAN00 53.13 .00 0 21825 92 60400 49 50756.75 31JAN00 260.38 .00
0 21826 92 58400 49 129948.58 02FEB00 1 644.54 .00 0 21827 92 60600 49 7705.90 22FEB00 39.66 .00
0 21828 92 60600 49 6917.72 22FEB00 35.60 .00 0 21829 92 60600 49 20229.89 22FEB00 104.12 .00
0 21830 92 60600 49 87771.16 22FEB00 451.74 .00 0 21831 92 58400 49 15227.51 22FEB00 1 75.53 .00
0 21832 93 58400 76201.49 04APR00 1 377.96 .00 0 21833 92 60600 49 11198.62 23FEB00 57.64 .00
0 21834 93 60600 10113.27 23FEB00 52.05 .00 0 21835 93 60600 10113.27 23FEB00 52.05 .00
0 21836 93 60600 10113.27 23FEB00 52.05 .00 0 21837 92 60600 49 95064.77 23FEB00 489.28 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 177
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 21838 92 60600 49 5055.80 24FEB00 26.02 .00 0 21839 92 58400 49 1323.53 24FEB00 6.56 .00
0 21840 92 58400 49 73892.86 24FEB00 366.51 .00 0 21841 92 60600 49 2581.60 24FEB00 13.29 .00
0 21842 92 58400 49 30919.80 24FEB00 153.36 .00 0 21843 92 58400 49 1255.61 25FEB00 6.23 .00
0 21844 92 60600 49 100088.70 02MAR00 515.14 .00 0 21845 92 60600 49 11368.78 25FEB00 58.51 .00
0 21846 92 60600 49 75824.39 25FEB00 390.26 .00 0 21847 92 60600 50122.19 28FEB00 257.97 .00
0 21848 92 60600 49 9215.73 29FEB00 47.43 .00 0 21849 92 58400 28793.01 29FEB00 142.81 .00
0 21850 92 60600 49 2490.74 29FEB00 12.82 .00 0 21851 92 60600 49 40594.95 29FEB00 208.94 .00
0 21852 92 60600 49 20203.07 01MAR00 103.98 .00 0 21853 86 53700 11434.09 01MAR00 52.15 .00
0 21854 93 58400 7543.88 01MAR00 37.42 .00 0 21855 93 60600 60599.19 02MAR00 311.89 .00
0 21856 92 60600 49 44954.01 02MAR00 231.37 .00 0 21857 92 60600 5326.95 02MAR00 27.42 .00
0 21858 92 60600 49 1014.08 03MAR00 5.22 .00 0 21859 92 60600 49 49817.13 03MAR00 256.40 .00
0 21860 92 60600 49 1009.99 03MAR00 5.20 .00 0 21861 93 64400 13000.00 06MAR00 1 71.10 .00
0 21862 93 62500 50853.67 06MAR00 269.94 .00 0 21863 92 60600 49 2873.31 06MAR00 14.79 .00
0 21864 93 62500 5048.06 06MAR00 26.80 .00 0 21865 93 62500 32638.46 03APR00 1 173.25 .00
0 21866 92 60600 49 1210.98 07MAR00 6.23 .00 0 21867 92 62500 49 37344.02 07MAR00 198.23 .00
0 21868 92 62500 49 50463.38 08MAR00 267.87 .00 0 21869 93 67700 49 32315.33 09MAR00 185.81 .00
0 21870 93 65800 10095.77 09MAR00 56.42 .00 0 21871 93 65800 10095.77 09MAR00 56.42 .00
0 21872 93 65800 18863.68 03APR00 105.42 .00 0 21873 93 65800 49 14687.00 09MAR00 82.08 .00
0 21874 93 65800 10095.77 09MAR00 56.42 .00 0 21875 92 62500 49 7568.22 09MAR00 40.17 .00
0 21876 93 65800 40375.83 10MAR00 225.64 .00 0 21877 92 62500 49 2205.20 10MAR00 11.71 .00
0 21878 92 62500 49 2205.20 10MAR00 11.71 .00 0 21879 92 62500 49 2205.21 10MAR00 11.71 .00
0 21880 92 62500 49 3026.77 10MAR00 16.07 .00 0 21881 93 65800 49 39393.84 10MAR00 220.15 .00
0 21882 93 65800 26563.60 23MAR00 148.45 .00 0 21883 93 65800 49 110173.03 10MAR00 615.70 .00
0 21884 93 65800 60642.42 10MAR00 338.90 .00 0 21885 92 60600 49 1512.98 10MAR00 7.79 .00
0 21886 93 65800 49 6706.55 13MAR00 37.48 .00 0 21887 93 65800 40137.39 13MAR00 224.31 .00
0 21888 93 65800 107696.51 13MAR00 601.86 .00 0 21889 93 67700 27245.92 13MAR00 156.66 .00
0 21890 93 67700 27245.92 13MAR00 156.66 .00 0 21891 93 65800 18858.16 13MAR00 105.39 .00
0 21892 93 65800 27239.00 13MAR00 152.22 .00 0 21893 93 65800 60531.11 13MAR00 338.28 .00
0 21894 93 65800 35309.82 13MAR00 197.33 .00 0 21895 93 65800 15547.61 14MAR00 86.89 .00
0 21896 93 65800 15000.00 14MAR00 1 83.83 .00 0 21897 93 65800 10526.31 14MAR00 58.83 .00
0 21898 93 65800 49 22432.05 14MAR00 125.36 .00 0 21899 92 60600 49 5039.92 14MAR00 25.94 .00
0 21900 93 65800 49 10086.71 14MAR00 56.37 .00 0 21901 93 65800 16832.31 15MAR00 94.07 .00
0 21902 93 65800 10084.90 15MAR00 56.36 .00 0 21903 93 65800 90000.00 15MAR00 1 502.96 .00
0 21904 93 65800 20166.17 16MAR00 112.70 .00 0 21905 93 67800 100856.13 16MAR00 580.77 .00
0 21906 93 65800 13346.11 16MAR00 74.58 .00 0 21907 93 65800 2016.62 16MAR00 11.27 .00
0 21908 93 65800 5428.14 16MAR00 30.34 .00 0 21909 93 67700 12102.58 16MAR00 69.59 .00
0 21910 93 67700 12102.58 16MAR00 69.59 .00 0 21911 93 65800 30249.24 16MAR00 169.05 .00
0 21912 93 65800 49 13811.79 16MAR00 77.19 .00 0 21915 93 67800 30256.83 16MAR00 174.23 .00
0 21916 92 60600 1552.08 16MAR00 7.99 .00 0 21917 93 65800 2016.62 16MAR00 11.27 .00
0 21918 93 65800 50415.41 16MAR00 281.75 .00 0 21919 93 65800 15124.63 16MAR00 84.52 .00
0 21920 93 65800 10083.08 16MAR00 56.35 .00 0 21923 93 67800 49 30256.83 16MAR00 174.23 .00
0 21924 93 65800 10083.08 16MAR00 56.35 .00 0 21925 93 65800 10083.08 16MAR00 56.35 .00
0 21926 93 65800 10083.08 16MAR00 56.35 .00 0 21927 93 65800 20166.17 16MAR00 112.70 .00
0 21928 93 65800 24199.40 16MAR00 135.24 .00 0 21929 93 65800 20166.17 16MAR00 112.70 .00
0 21930 87 58400 49 20147.45 16MAR00 99.93 .00 0 21931 93 67800 60513.67 16MAR00 348.46 .00
0 21932 93 65800 90155.56 22MAR00 503.83 .00 0 21933 93 65800 10468.98 16MAR00 58.51 .00
0 21934 93 65800 99000.00 16MAR00 1 553.26 .00 0 21935 93 65800 10081.27 17MAR00 56.34 .00
0 21936 93 65800 15121.90 17MAR00 84.51 .00 0 21937 93 65800 10081.27 17MAR00 56.34 .00
0 21938 93 65800 29069.15 17MAR00 162.45 .00 0 21939 93 65800 70568.89 17MAR00 394.37 .00
0 21940 93 65800 65528.25 17MAR00 366.20 .00 0 21941 93 65800 16130.04 17MAR00 90.14 .00
0 21942 93 65800 11072.02 17MAR00 61.88 .00 0 21943 92 60600 49 17286.54 20MAR00 88.97 .00
0 21944 93 65800 15093.15 20MAR00 84.35 .00 0 21945 93 65800 36620.15 20MAR00 204.65 .00
0 21946 93 65800 13098.58 20MAR00 73.20 .00 0 21947 93 65800 13602.37 20MAR00 76.02 .00
0 21948 93 65800 13602.37 20MAR00 76.02 .00 0 21949 93 65800 12085.92 03APR00 67.54 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 178
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 21950 93 65800 26099.64 25APR00 145.86 .00 0 21951 93 65800 20972.88 20MAR00 117.21 .00
0 21952 93 65800 10075.83 20MAR00 56.31 .00 0 21955 93 65800 49 70518.14 21MAR00 394.09 .00
0 21956 93 65800 49 14391.13 22MAR00 80.42 .00 0 21957 92 60600 49 1150.91 21MAR00 5.92 .00
0 21958 93 65800 10074.02 21MAR00 56.30 .00 0 21959 93 65800 7050.55 22MAR00 39.40 .00
0 21960 93 67700 9066.86 22MAR00 52.13 .00 0 21961 93 65800 30216.62 22MAR00 168.87 .00
0 21962 93 65800 15108.31 22MAR00 84.43 .00 0 21963 93 65800 32914.30 22MAR00 183.94 .00
0 21964 93 65800 49 10000.00 23MAR00 1 55.88 .00 0 21965 93 65800 20140.79 23MAR00 112.56 .00
0 21966 92 65800 49 15096.53 28MAR00 84.37 .00 0 21967 93 65800 60451.71 23MAR00 337.83 .00
0 21968 93 65800 49 33232.30 23MAR00 185.72 .00 0 21969 93 65800 49 33232.30 23MAR00 185.72 .00
0 21970 93 65800 49 33232.30 23MAR00 185.72 .00 0 21971 93 65800 25171.45 24MAR00 140.67 .00
0 21972 93 65800 49 100685.82 24MAR00 562.68 .00 0 21973 93 65800 49 100685.82 24MAR00 562.68 .00
0 21974 93 65800 49 10063.14 27MAR00 56.24 .00 0 21975 93 65800 26801.57 27MAR00 149.78 .00
0 21976 93 65800 10063.14 27MAR00 56.24 .00 0 21977 93 65800 10063.14 27MAR00 56.24 .00
0 21978 93 65800 49 26177.26 27MAR00 146.29 .00 0 21979 93 65800 49 20126.29 27MAR00 112.48 .00
0 21980 93 65800 10063.14 27MAR00 56.24 .00 0 21981 92 60600 49 2011.30 28MAR00 10.35 .00
0 21982 93 65800 60 10061.33 28MAR00 56.23 .00 0 21983 93 65800 49 19116.53 28MAR00 106.83 .00
0 21984 93 67700 100631.04 28MAR00 578.61 .00 0 21985 92 62500 49 2011.65 28MAR00 10.68 .00
0 21986 93 65800 39397.51 28MAR00 220.17 .00 0 21987 93 65800 100591.05 21APR00 562.15 .00
0 21988 93 65800 27160.70 29MAR00 151.79 .00 0 21989 93 65800 2677.34 29MAR00 14.96 .00
0 21990 93 65800 60 10059.52 29MAR00 56.22 .00 0 21991 93 65800 60 10059.52 29MAR00 56.22 .00
0 21992 93 65800 60 10059.52 29MAR00 56.22 .00 0 21993 93 65800 60 10059.52 29MAR00 56.22 .00
0 21994 93 65800 60 10059.52 29MAR00 56.22 .00 0 21995 93 65800 60 10059.52 29MAR00 56.22 .00
0 21996 93 65800 60 10059.52 29MAR00 56.22 .00 0 21997 93 65800 60 10059.52 29MAR00 56.22 .00
0 21998 93 65800 60 10059.52 29MAR00 56.22 .00 0 21999 93 65800 60 10059.52 29MAR00 56.22 .00
0 22000 93 65800 60 10059.52 29MAR00 56.22 .00 0 22001 93 65800 60 10059.52 29MAR00 56.22 .00
0 22002 93 65800 60 10059.52 29MAR00 56.22 .00 0 22003 93 65800 10054.08 29MAR00 56.19 .00
0 22004 93 65800 60 10059.52 29MAR00 56.22 .00 0 22005 93 65800 60 10059.52 29MAR00 56.22 .00
0 22006 93 65800 60 10059.52 29MAR00 56.22 .00 0 22007 93 65800 60 14455.26 29MAR00 80.78 .00
0 22008 93 63000 60 5028.49 29MAR00 26.91 .00 0 22009 93 65800 12673.01 30MAR00 70.82 .00
0 22010 92 65800 15086.56 30MAR00 84.31 .00 0 22011 93 67700 88 41074.11 31MAR00 236.17 .00
0 22012 93 67700 88 14049.92 31MAR00 80.79 .00 0 22013 93 65800 28058.20 03APR00 156.80 .00
0 22014 92 66300 88 2010.17 03APR00 11.32 .00 0 22015 92 66300 88 2010.17 03APR00 11.32 .00
0 22016 92 64400 49 10049.40 03APR00 54.97 .00 0 22017 93 65800 88 10050.48 03APR00 56.17 .00
0 22018 92 64400 49 25123.51 03APR00 137.42 .00 0 22019 92 64400 49 2009.53 04APR00 10.99 .00
0 22020 92 64400 49 50238.19 04APR00 274.78 .00 0 22021 93 67700 49 2009.64 05APR00 11.56 .00
0 22022 93 67700 49 2009.64 05APR00 11.56 .00 0 22023 92 64400 49 6695.25 05APR00 36.62 .00
0 22024 93 65800 88 5866.53 05APR00 32.79 .00 0 22025 93 65800 88 40180.27 06APR00 224.55 .00
0 22026 92 64400 49 50211.73 07APR00 274.64 .00 0 22027 92 65800 49 25108.16 07APR00 140.32 .00
0 22028 92 64400 49 3674.09 07APR00 20.10 .00 0 22029 93 65800 88 2489.77 07APR00 13.91 .00
0 22030 92 66300 49 50190.73 10APR00 282.62 .00 0 22031 93 66300 88 50190.73 10APR00 282.62 .00
0 22032 93 66300 88 50190.73 10APR00 282.62 .00 0 22033 93 66300 88 50190.73 10APR00 282.62 .00
0 22034 92 00663 49 10000.38 10APR00 .56 .00 0 22035 92 66300 49 75286.09 10APR00 423.93 .00
0 22036 93 67700 88 75241.00 10APR00 1 432.63 .00 0 22037 92 64400 88 4136.04 11APR00 22.62 .00
0 22038 93 66300 49 3010.90 11APR00 16.95 .00 0 22039 92 66300 49 10036.33 11APR00 56.51 .00
0 22040 92 64400 49 93696.47 11APR00 512.48 .00 0 22041 92 64400 88 2007.06 11APR00 10.98 .00
0 22042 92 64400 88 2007.06 11APR00 10.98 .00 0 22043 92 64400 88 1324.66 11APR00 7.25 .00
0 22044 93 65880 88 20072.20 11APR00 112.31 .00 0 22045 92 64400 49 35356.86 12APR00 193.39 .00
0 22046 92 64400 49 2006.70 12APR00 10.98 .00 0 22047 92 64400 49 2006.70 12APR00 10.98 .00
0 22048 93 67700 88 6373.03 12APR00 36.64 .00 0 22049 93 65800 88 5016.22 13APR00 28.03 .00
0 22050 92 66300 49 200653.92 13APR00 1129.87 .00 0 22051 92 66300 49 60890.73 14APR00 342.87 .00
0 22052 92 64400 49 10029.99 14APR00 54.86 .00 0 22053 92 66300 49 7021.62 14APR00 39.54 .00
0 22054 92 64400 49 16471.63 14APR00 90.09 .00 0 22055 92 64400 49 5015.00 14APR00 27.43 .00
0 22056 92 66300 49 2006.18 14APR00 11.30 .00 0 22057 92 66300 49 67827.42 28APR00 381.93 .00
0 22058 92 66300 49 8732.99 14APR00 49.18 .00 0 22059 92 66300 49 8732.99 14APR00 49.18 .00
INST 75P BRANCH 50 SEQ-TYPE 95 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 179
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 22060 92 66300 49 100308.79 14APR00 564.83 .00 0 22061 92 66300 49 51213.87 17APR00 288.38 .00
0 22062 93 67700 88 4446.04 19APR00 25.56 .00 0 22064 92 64400 46 2004.94 17APR00 10.97 .00
0 22065 93 66500 49 7425.93 17APR00 41.94 .00 0 22066 93 65800 88 61000.00 17APR00 1 340.90 .00
0 22067 92 64400 49 2405.79 17APR00 13.16 .00 0 22068 93 66300 88 51568.78 18APR00 290.38 .00
0 22069 93 65800 46 20000.00 18APR00 1 111.77 .00 0 22070 92 64400 49 15389.40 19APR00 84.17 .00
0 22071 92 64400 88 22046.58 19APR00 120.59 .00 0 22072 92 66300 49 40087.19 19APR00 225.73 .00
0 22073 92 64400 49 16031.05 20APR00 87.68 .00 0 22074 93 67700 33 24750.39 20APR00 142.31 .00
0 22075 93 67700 88 75503.48 20APR00 434.13 .00 0 22076 92 64400 49 19036.88 20APR00 104.12 .00
0 22077 92 66300 49 95172.56 21APR00 535.91 .00 0 22078 93 65800 88 46464.54 21APR00 259.67 .00
0 22079 93 67700 88 74638.18 21APR00 429.16 .00 0 22080 92 64400 60 36443.35 21APR00 199.33 .00
0 22081 92 67700 88 100057.58 21APR00 1 575.32 .00 0 22082 93 65800 88 2813.87 24APR00 15.73 .00
0 22083 93 65800 88 2813.87 24APR00 15.73 .00 0 22084 93 67700 88 21711.66 24APR00 124.84 .00
0 22085 92 66300 49 15754.29 24APR00 88.71 .00 0 22086 92 64400 63 28337.06 24APR00 154.99 .00
0 22087 93 67700 88 2449.23 24APR00 14.08 .00 0 22088 93 67700 88 2920.88 24APR00 16.79 .00
0 22089 93 67700 88 15034.82 24APR00 86.45 .00 0 22090 93 67700 88 13019.81 25APR00 74.86 .00
0 22091 92 64400 49 10010.59 25APR00 54.75 .00 0 22092 92 66300 49 70076.29 25APR00 394.60 .00
0 22093 92 64400 49 20021.17 25APR00 109.51 .00 0 22094 93 65800 10010.82 25APR00 55.95 .00
0 22095 92 64400 49 15013.23 26APR00 82.12 .00 0 22096 93 65800 88 99089.24 26APR00 1 553.76 .00
0 22097 92 64400 49 2001.76 26APR00 10.95 .00 0 22099 93 65800 88 5878.24 26APR00 32.85 .00
0 22100 92 67700 88 17181.47 27APR00 98.79 .00 0 22101 93 67700 88 54040.06 27APR00 310.72 .00
0 22102 93 67700 88 5033.98 28APR00 28.94 .00
BRANCH TOTAL NBR ACCTS 2,885 CURRENT BALANCE 71,623,350.43 ANTIC INTEREST 308,744.09
482.39 50-95-21513
510.62 50-95-21533
71,622,357.42 earnings transfers that rejected and were
manually posted 5/2/00
INST 75P BRANCH 60 SEQ-TYPE 6 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 180
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 2 01 00000 38 .01 18MAY99 .00 .00 0 3 03 39300 1923.32 27APR00 1 .00 .00
0 6 03 39300 49866.04 15APR00 .00 .00 0 10 03 39300 1824.94 07JUN99 .00 .00
0 13 03 39300 5774.11 02FEB99 .00 .00 0 17 03 39300 539.50 06APR00 .00 .00
0 18 03 39300 454.45 08SEP99 .00 .00 0 20 03 39300 870.76 20JAN00 .00 .00
0 21 03 39300 548.72 20JAN00 .00 .00 0 22 03 39300 548.73 20JAN00 .00 .00
0 23 03 39300 518.15 20JAN00 .00 .00 0 24 03 39300 1340.22 05APR00 .00 .00
0 26 03 39300 21.71 10MAR99 .00 .00 0 28 03 39300 1486.66 05APR00 .00 .00
0 32 03 39300 134245.84 13MAR00 .00 .00 0 36 03 39300 82198.80 01OCT99 .00 .00
0 37 03 39300 .18 01SEP98 .00 .00 0 39 03 39300 23 73.58 07JUL99 .00 .00
0 41 03 39300 64 6696.72 18APR00 .00 .00 0 43 03 39300 11725.71 27APR00 .00 .00
0 45 03 39300 .76 08JAN99 .00 .00 0 46 03 39300 1973.62 18APR00 .00 .00
0 47 03 39300 108.61 29JUL99 .00 .00 0 50 03 39300 14450.23 15MAR00 .00 .00
0 52 03 39300 5582.12 03DEC99 .00 .00 0 58 03 39300 347.81 07FEB00 .00 .00
0 60 03 39300 723.69 20APR00 .00 .00 0 62 03 39300 2152.64 28APR00 .00 .00
0 63 03 39300 3190.42 21SEP98 .00 .00 0 64 03 39300 2507.03 21APR00 .00 .00
0 65 03 39300 .15 04DEC98 .00 .00 0 69 03 39300 26.11 04JUN99 .00 .00
0 70 03 39300 3.59 28JUN99 .00 .00 0 71 03 39300 267.30 18OCT99 .00 .00
0 76 03 39300 72.95 24APR00 .00 .00 0 77 03 39300 21234.43 27APR00 .00 .00
0 79 03 39300 10602.20 13NOV98 .00 .00 0 81 03 39300 52982.47 18NOV98 .00 .00
0 83 03 39300 743.65 27APR00 .00 .00 0 86 03 39300 2118.59 26JUL99 .00 .00
0 87 03 39300 2.21 06JAN99 .00 .00 0 88 03 39300 3.40 26FEB99 .00 .00
0 92 03 39300 .20 20MAR00 .00 .00 0 94 03 39300 1915.85 28FEB00 .00 .00
0 95 03 39300 143.03 20JAN00 .00 .00 0 20034 02 48900 305.06 09FEB99 .00 .00
0 20050 00 39300 6747.01 24FEB00 .00 .00 0 20076 02 48900 472.73 18APR00 .00 .00
0 20109 03 39300 .58 14AUG99 .00 .00 0 20111 03 39300 1957.14 17APR00 .00 .00
0 20113 02 48900 21.02 20APR99 .00 .00 0 20114 02 48900 21.02 20APR99 .00 .00
0 20115 02 48900 80.92 14APR00 .00 .00 0 20116 02 48900 80.92 14APR00 .00 .00
0 20117 02 48900 228.10 10FEB00 .00 .00 0 20118 02 48900 230.64 10FEB00 .00 .00
0 20120 03 39300 22106.79 29APR99 .00 .00 0 20123 02 48900 3355.27 08SEP99 .00 .00
0 20124 03 39300 3.90 28APR00 .00 .00 0 20137 03 39300 14.25 19APR00 .00 .00
0 20143 03 39300 125.65 28APR00 .00 .00 0 20157 03 39300 2480.26 30JUN99 .00 .00
0 20161 03 39300 60 2205.82 02JUL99 .00 .00 0 20186 03 39300 1650.13 19JUL99 .00 .00
0 20216 03 39300 2147.19 30JUL99 .00 .00 0 20313 03 39300 2048.90 27AUG99 .00 .00
0 20314 03 39300 3.58 03DEC99 .00 .00 0 20315 03 39300 3269.38 20JAN00 .00 .00
0 20318 03 39300 2069.18 31DEC99 .00 .00 0 20319 03 39300 2.31 11JAN00 .00 .00
0 20323 02 48900 4922.25 27APR00 .00 .00 0 20354 03 39300 6843.24 28APR00 .00 .00
0 20381 02 48900 103.01 22SEP99 .00 .00 0 20402 02 48900 416.58 07APR00 .00 .00
0 20454 02 48900 25.60 04NOV99 .00 .00 0 20455 02 48900 25.60 04NOV99 .00 .00
0 20459 03 39300 89 101.79 18NOV99 .00 .00 0 20494 02 48900 202.31 20MAR00 .00 .00
0 20498 02 48900 456.36 18JAN00 .00 .00 0 20503 02 48900 304.16 19JAN00 .00 .00
0 20505 02 48900 50.65 25JAN00 .00 .00 0 20506 02 48900 50.65 25JAN00 .00 .00
0 20507 02 48900 50.65 25JAN00 .00 .00 0 20508 02 48900 202.58 26JAN00 .00 .00
0 20521 02 48900 1186.48 03APR00 .00 .00 0 20524 02 48900 129.52 03MAR00 .00 .00
0 20550 02 48900 88 50.17 06APR00 .00 .00 0 20551 02 48900 88 50.17 06APR00 .00 .00
0 20557 03 39300 88 790.32 10APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 181
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 10 00000 38 .01 17MAY99 .00 .00 0 2 12 00000 38 .01 17MAY99 .00 .00
0 3 17 00000 38 .00 17MAY99 .00 .00 0 4 19 00000 38 .01 17MAY99 .00 .00
0 10000 14 00000 37.00 28FEB00 .00 .00 0 10001 18 29600 3937.45 28APR00 10.04 .00
0 10002 18 29600 134.47 21APR00 .19 .00 0 10003 18 29600 2.17 24APR00 .05 .00
0 i0000 11 27200 206.79 28APR00 4.44 .00 0 10007 16 53700 5656.24 03JAN00 19.14 .00
0 10008 16 53700 1048.50 28APR00 3.70 .00 0 10009 16 53700 5817.77 24APR00 17.84 .00
0 10010 16 53700 27374.66 29FEB00 92.63 .00 0 10011 19 39300 141.06 26APR00 .81 .00
0 10012 16 53700 121000.14 13APR00 402.85 .00 0 10013 16 53700 5167.69 13APR00 18.64 .00
0 10014 16 53700 7555.92 17APR00 32.19 .00 0 10015 16 53700 84069.72 28APR00 328.62 .00
0 10016 16 53700 99048.61 22DEC99 335.16 .00 0 10017 18 29600 77 1297.94 10MAR00 2.42 .00
0 10018 16 53700 99246.02 08NOV99 335.83 .00 0 10019 16 53700 22355.14 10APR00 76.82 .00
0 10020 16 53700 53413.58 28APR00 114.37 .00 0 10022 16 53700 16467.11 16AUG99 38.76 .00
0 10024 11 27200 64 5815.06 27APR00 16.02 .00 0 10025 18 29600 4756.13 12APR00 6.17 .00
0 10026 16 53700 11400.32 25OCT99 26.84 .00 0 10027 16 53700 1723.10 03APR00 4.06 .00
0 10028 16 53700 2133.10 15APR00 5.02 .00 0 10029 16 53700 19293.61 15APR00 45.42 .00
0 10030 16 53700 87242.36 14APR00 205.37 .00 0 10031 16 53700 56478.95 25APR00 125.59 .00
0 10032 16 53700 5002.12 24APR00 9.39 .00 0 10033 19 39300 8.97 15FEB00 .02 .00
0 10034 14 00000 103.66 04SEP99 .00 .00 0 10035 16 53700 2618.20 20APR00 6.76 .00
0 10037 16 53700 28016.93 07APR00 65.95 .00 0 10038 11 27200 3086.58 26APR00 5.07 .00
0 10039 16 53700 29831.60 31MAR00 70.22 .00 0 10040 16 53700 5861.85 26APR00 7.77 .00
0 10041 16 53700 13681.18 02MAR00 18.12 .00 0 10042 16 53700 14079.43 16FEB00 18.64 .00
0 10043 16 53700 7874.70 26JAN00 10.43 .00 0 10044 15 00000 1880.00 18NOV99 .00 .00
0 10045 16 53700 23774.83 20DEC99 31.48 .00 0 10046 16 53700 19469.02 13APR00 25.78 .00
0 10047 16 53700 6119.85 18APR00 8.10 .00 0 10048 16 53700 8006.87 29APR00 10.68 .00
0 10049 16 53700 8588.42 14APR00 11.37 .00 0 10050 16 53700 103827.28 28FEB00 137.48 .00
0 10051 16 53700 24972.51 17FEB00 33.07 .00 0 10054 16 53700 19582.04 03FEB00 25.93 .00
0 10055 16 53700 13827.95 25APR00 18.72 .00 0 10056 16 53700 13310.03 26APR00 45.72 .00
0 10058 16 53700 31626.19 18FEB00 41.88 .00 0 10059 16 53700 20380.21 15FEB00 26.99 .00
0 10060 16 53700 16942.50 14FEB00 4.99 .00 0 10062 16 53700 7481.44 26APR00 2.20 .00
0 10063 11 27200 17.68 29APR00 .00 .00 0 10064 16 53700 603.31 18APR00 .18 .00
0 10065 16 53700 38109.53 23MAR00 11.21 .00 0 10066 16 53700 119543.00 24APR00 35.18 .00
0 10067 16 53700 17877.44 13APR00 5.26 .00 0 10068 16 53700 7905.43 05APR00 2.33 .00
0 10069 16 53700 1918.58 01FEB00 .56 .00 0 10070 16 53700 364053.84 19APR00 107.12 .00
0 10073 16 53700 10845.55 27APR00 3.19 .00 0 10074 16 53700 64 27361.13 04FEB00 8.05 .00
0 10075 16 53700 1393.60 21APR00 .41 .00 0 10076 16 53700 2011.05 05APR00 .59 .00
0 10077 16 53700 6086.21 10FEB00 1.79 .00 0 10078 16 53700 17468.14 19APR00 5.14 .00
0 10079 16 53700 9430.27 11JUN99 2.77 .00 0 10080 16 53700 20965.32 21APR00 .00 .00
0 10081 15 00000 2014.00 05APR00 .00 .00 0 10082 16 53700 70122.38 28APR00 .00 .00
0 10083 16 53700 1829.39 18APR00 .00 .00 0 10084 16 53700 1739.17 28APR00 .00 .00
0 10085 16 00000 3.68 24MAR00 .00 .00 0 10086 11 27200 1219.58 28APR00 .00 .00
0 10087 16 53700 254.06 04JAN00 .00 .00 0 10088 16 53700 2645.83 04JAN00 .00 .00
0 10089 16 53700 146487.46 14APR00 .00 .00 0 10091 16 53700 11649.92 10MAR00 .00 .00
0 10092 16 00000 2.58 13AUG99 .00 .00 0 10093 16 53700 23295.48 27APR00 .00 .00
0 10094 16 53700 3234.89 24JAN00 .00 .00 0 10096 16 53700 49658.98 19APR00 .00 .00
0 10097 16 53700 100710.24 11APR00 .00 .00 0 10098 16 53700 46149.33 11FEB00 .00 .00
0 10100 11 27200 4544.38 19APR00 8.50 .00 0 10101 16 53700 10935.28 18JAN00 37.00 .00
0 10102 16 53700 3813.88 18APR00 15.26 .00 0 10103 16 53700 10693.58 15JUN99 36.19 .00
0 10104 16 53700 6025.21 19APR00 26.05 .00 0 10105 16 53700 28737.80 08MAR00 97.24 .00
0 10106 11 27200 1353.15 29APR00 1.66 .00 0 10107 16 53700 11841.93 28APR00 53.90 .00
0 10108 16 53700 1127.19 28APR00 1.04 .00 0 10109 11 27200 89 3464.12 18APR00 3.73 .00
0 10110 16 53700 618.38 10APR00 1.91 .00 0 10111 16 53700 7341.63 01FEB00 24.84 .00
0 10113 16 53700 33031.51 31DEC99 111.77 .00 0 10114 16 53700 322.33 10MAR00 1.09 .00
0 10115 16 53700 112620.51 16AUG99 381.09 .00 0 10116 16 53700 15947.43 17MAR00 53.96 .00
0 10117 16 53700 37650.30 22MAR00 127.40 .00 0 10118 16 53700 7475.54 14APR00 450.56 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 182
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10119 16 53700 1079.76 15MAR00 2.54 .00 0 10120 16 53700 1058.30 07MAR00 2.49 .00
0 10121 16 53700 64 28569.60 05JAN00 67.25 .00 0 10122 16 53700 20407.39 15JUL99 48.04 .00
0 10124 16 53700 2337.41 20MAR00 5.50 .00 0 10125 16 53700 1474.03 04APR00 3.47 .00
0 10126 16 53700 98809.76 04APR00 232.60 .00 0 10128 16 53700 162721.93 28APR00 402.17 .00
0 10129 16 53700 21112.67 22MAR00 49.70 .00 0 10130 16 53700 19518.88 27APR00 42.60 .00
0 10131 16 53700 73199.30 03APR00 172.31 .00 0 10133 16 53700 68492.18 17APR00 165.94 .00
0 10134 16 53700 66596.96 01OCT99 156.77 .00 0 10135 16 53700 34472.07 21APR00 86.08 .00
0 10136 16 53700 11439.84 13APR00 25.08 .00 0 10138 16 53700 4400.38 17APR00 10.51 .00
0 10139 16 53700 31386.38 28FEB00 73.88 .00 0 10140 16 53700 35028.63 26APR00 46.50 .00
0 10141 16 53700 104104.06 23JUL99 137.85 .00 0 10142 16 53700 104104.06 23JUL99 137.85 .00
0 10143 16 53700 47642.81 26APR00 66.13 .00 0 10144 16 53700 1133.75 19APR00 1.50 .00
0 10145 16 53700 2024.22 10MAR00 2.68 .00 0 10146 16 53700 16543.09 06APR00 21.90 .00
0 10147 16 53700 5408.05 14FEB00 7.16 .00 0 10148 16 53700 123540.48 19APR00 163.58 .00
0 10149 16 53700 63502.52 18APR00 84.08 .00 0 10150 16 53700 14767.04 02MAR00 19.55 .00
0 10151 19 39300 1385.71 31MAR00 1.34 .00 0 10152 16 53700 1460.26 18JAN00 1.93 .00
0 10153 16 53700 40829.97 26APR00 55.18 .00 0 10154 16 53700 34662.37 03DEC99 45.90 .00
0 10155 16 53700 9455.89 31MAR00 12.52 .00 0 10157 16 53700 5648.88 18APR00 7.48 .00
0 10160 16 53700 41397.39 28APR00 12.18 .00 0 10161 16 53700 45616.01 05OCT99 13.42 .00
0 10162 16 00000 29.62 04APR00 .00 .00 0 10163 16 53700 23730.80 17NOV99 6.98 .00
0 10164 16 53700 50594.31 13MAR00 14.89 .00 0 10165 16 53700 7611.26 07APR00 2.24 .00
0 10166 16 53700 118371.81 20DEC99 34.83 .00 0 10167 16 53700 52029.15 02AUG99 15.31 .00
0 10168 16 53700 6243.48 02AUG99 1.84 .00 0 10169 16 53700 5712.33 28APR00 1.68 .00
0 10170 16 53700 3263.05 26APR00 .96 .00 0 10171 11 27200 64 535.54 28APR00 .08 .00
0 10172 16 53700 73471.58 06APR00 21.62 .00 0 10173 15 00000 1178.30 16MAR00 .00 .00
0 10174 11 27200 1293.62 05APR00 .19 .00 0 10175 16 53700 50781.38 13APR00 14.94 .00
0 10177 16 53700 21172.97 21APR00 6.23 .00 0 10178 16 53700 26246.54 20MAR00 7.72 .00
0 10179 16 53700 94615.96 01DEC99 27.84 .00 0 10180 16 53700 13928.35 24DEC99 .00 .00
0 10181 16 53700 7683.47 26AUG99 .00 .00 0 10182 16 53700 35978.77 19APR00 .00 .00
0 10183 16 53700 6637.42 03AUG99 .00 .00 0 10184 16 53700 19689.36 28FEB00 .00 .00
0 10185 16 53700 44511.40 28APR00 .00 .00 0 10186 16 53700 60524.21 04AUG99 .00 .00
0 10187 16 53700 7331.92 05APR00 .00 .00 0 10188 16 53700 785.92 17APR00 .00 .00
0 10190 16 53700 25817.97 10MAR00 .00 .00 0 10191 16 53700 2845.55 15FEB00 .00 .00
0 10192 16 53700 1040.42 05AUG99 .00 .00 0 10193 16 53700 5480.01 23SEP99 .00 .00
0 10194 16 53700 15398.97 26APR00 .00 .00 0 10196 16 53700 14738.51 25FEB00 .00 .00
0 10197 16 53700 3891.37 06DEC99 .00 .00 0 10198 16 53700 62389.33 09AUG99 .00 .00
0 10199 16 53700 10385.86 18AUG99 .00 .00 0 10201 16 53700 22063.67 20AUG99 74.66 .00
0 10202 19 39300 1603.23 26APR00 4.21 .00 0 10203 16 53700 43005.96 14OCT99 145.53 .00
0 10204 16 53700 1969.16 10APR00 7.40 .00 0 10209 16 53700 44973.38 13MAR00 152.18 .00
0 10210 16 53700 54112.78 21APR00 228.97 .00 0 10211 16 53700 58808.59 27APR00 263.68 .00
0 10212 16 53700 6113.73 03MAR00 20.69 .00 0 10213 16 53700 68587.66 26APR00 245.07 .00
0 10214 16 53700 6868.21 13AUG99 23.24 .00 0 10215 16 53700 65322.67 16MAR00 221.04 .00
0 10216 16 53700 77677.98 13AUG99 262.85 .00 0 10217 16 53700 784.83 16FEB00 2.66 .00
0 10218 15 00000 13.14 06DEC99 .00 .00 0 10219 16 53700 19288.40 07APR00 65.27 .00
0 10221 16 53700 95260.30 19JAN00 224.24 .00 0 10222 16 53700 3042.69 05APR00 7.16 .00
0 10224 16 53700 131000.54 27APR00 317.20 .00 0 10225 16 53700 43401.36 28SEP99 102.17 .00
0 10226 16 53700 2409.12 13MAR00 5.67 .00 0 10227 16 53700 46406.43 04OCT99 109.24 .00
0 10228 16 53700 2383.19 17AUG99 5.61 .00 0 10229 16 53700 18898.26 30MAR00 44.49 .00
0 10230 11 27200 1894.58 28APR00 3.84 .00 0 10231 16 53700 4013.37 31MAR00 9.45 .00
0 10232 16 53700 15297.35 14APR00 36.01 .00 0 10233 16 53700 37889.24 28APR00 90.61 .00
0 10235 16 53700 296.21 30MAR00 .70 .00 0 10236 16 53700 50927.93 10DEC99 119.88 .00
0 10237 16 53700 26713.28 14MAR00 62.88 .00 0 10238 16 53700 23000.00 20APR00 54.46 .00
0 10239 16 53700 99449.98 24APR00 238.21 .00 0 10240 16 53700 388.26 23NOV99 .51 .00
0 10241 16 53700 92265.63 08OCT99 122.17 .00 0 10242 16 53700 19468.93 28APR00 27.25 .00
0 10243 16 53700 15021.08 18JAN00 19.89 .00 0 10244 16 00000 73.46 13APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 183
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10245 16 53700 9487.80 26APR00 12.21 .00 0 10246 16 53700 9143.83 28APR00 12.11 .00
0 10247 16 53700 112.68 24JAN00 .15 .00 0 10248 19 39300 1866.85 28APR00 1.69 .00
0 10249 16 53700 93000.00 24APR00 123.15 .00 0 10250 11 27200 279.80 24APR00 .18 .00
0 10252 16 53700 8839.30 20AUG99 11.70 .00 0 10253 16 53700 8839.30 20AUG99 11.70 .00
0 10254 16 53700 8839.30 20AUG99 11.70 .00 0 10255 16 53700 18941.76 15MAR00 25.08 .00
0 10256 16 53700 27628.29 23AUG99 36.58 .00 0 10257 16 53700 97413.52 23AUG99 128.99 .00
0 10258 16 53700 168.99 20MAR00 .22 .00 0 10259 16 53700 103631.40 23AUG99 137.22 .00
0 10261 16 53700 35163.89 13APR00 10.35 .00 0 10262 16 53700 10220.75 13MAR00 3.01 .00
0 10263 16 53700 ` 14402.33 26APR00 4.24 .00 0 10264 16 53700 124436.89 03SEP99 36.62 .00
0 10265 14 00000 1.53 21APR00 .00 .00 0 10266 16 53700 20602.95 10JAN00 6.06 .00
0 10267 16 53700 93289.23 26AUG99 27.45 .00 0 10268 11 27200 1233.54 24APR00 .18 .00
0 10269 15 00000 176.08 28JAN00 .00 .00 0 10270 16 53700 348426.41 24APR00 102.52 .00
0 10271 16 53700 6292.44 19NOV99 1.85 .00 0 10272 16 53700 2581.87 28APR00 .76 .00
0 10274 16 53700 471098.27 01FEB00 138.62 .00 0 10275 16 53700 16480.87 03FEB00 4.85 .00
0 10276 16 53700 12414.05 29APR00 3.65 .00 0 10277 16 53700 91106.49 11APR00 26.81 .00
0 10278 16 53700 1648.83 30MAR00 .49 .00 0 10279 16 53700 408.20 27SEP99 .12 .00
0 10280 16 53700 103642.22 25OCT99 .00 .00 0 10282 16 53700 36195.94 26APR00 .00 .00
0 10283 16 53700 149901.20 03MAR00 .00 .00 0 10284 16 53700 10119.14 29FEB00 .00 .00
0 10286 16 53700 965.26 28JAN00 .00 .00 0 10287 16 53700 63859.30 15SEP99 .00 .00
0 10288 11 27200 6481.60 28APR00 .00 .00 0 10289 16 53700 180.02 03FEB00 .00 .00
0 10290 16 53700 33771.54 22MAR00 .00 .00 0 10291 16 53700 89 11967.62 18APR00 .00 .00
0 10293 16 53700 10361.64 02SEP99 .00 .00 0 10294 16 53700 9923.17 26APR00 .00 .00
0 10295 16 53700 7321.63 18APR00 .00 .00 0 10296 16 53700 8582.01 20APR00 .00 .00
0 10297 16 53700 4144.65 02SEP99 .00 .00 0 10298 16 53700 1422.88 22FEB00 .00 .00
0 10299 16 53700 39709.17 18FEB00 .00 .00 0 10300 10 00000 4.00 15APR00 .01 .00
0 10301 16 53700 20650.35 03SEP99 69.88 .00 0 10302 15 00000 4669.94 18APR00 .00 .00
0 10303 16 53700 13864.74 13APR00 47.04 .00 0 10304 11 27200 3982.06 24MAR00 6.83 .00
0 10305 16 53700 3073.16 22DEC99 10.40 .00 0 10306 16 53700 84609.91 21MAR00 286.31 .00
0 10307 16 53700 51595.55 07SEP99 174.59 .00 0 10308 16 53700 18128.07 19APR00 62.96 .00
0 10309 16 53700 1950.97 27APR00 17.33 .00 0 10310 16 53700 2518.96 28APR00 11.76 .00
0 10311 16 53700 2092.81 07APR00 7.08 .00 0 10312 16 53700 282.11 02MAR00 .95 .00
0 10313 16 53700 9509.03 28APR00 33.66 .00 0 10314 16 53700 49527.50 02MAR00 167.59 .00
0 10315 16 53700 43557.21 09SEP99 147.39 .00 0 10316 16 53700 4584.02 26APR00 16.54 .00
0 10317 16 53700 1680.99 23MAR00 5.69 .00 0 10319 16 53700 5154.91 07APR00 17.44 .00
0 10320 16 53700 25071.67 04OCT99 59.02 .00 0 10321 10 29600 89 7035.01 17APR00 10.56 .00
0 10322 16 53700 53613.42 20MAR00 126.20 .00 0 10323 16 53700 25880.85 10APR00 60.92 .00
0 10324 10 29600 101.64 28SEP99 .13 .00 0 10325 16 53700 46285.20 29FEB00 108.95 .00
0 10326 16 53700 2424.68 23MAR00 5.71 .00 0 10327 16 53700 40368.81 14SEP99 95.03 .00
0 10328 16 53700 2474.17 27APR00 5.06 .00 0 10329 16 53700 10547.61 15MAR00 24.83 .00
0 10330 16 53700 7310.61 15SEP99 17.21 .00 0 10331 16 53700 27154.45 26APR00 63.49 .00
0 10332 14 00000 9.80 10DEC99 .00 .00 0 10333 16 53700 27435.36 28APR00 56.00 .00
0 10334 16 53700 2547.45 25APR00 5.51 .00 0 10335 16 53700 10314.59 17SEP99 24.28 .00
0 10336 15 00000 36932.00 28APR00 .00 .00 0 10337 16 53700 2821.92 21JAN00 6.64 .00
0 10338 19 39300 1584.88 28APR00 1.84 .00 0 10339 16 53700 7526.08 20SEP99 9.97 .00
0 10340 16 53700 2021.24 24APR00 2.97 .00 0 10341 16 53700 6971.47 21APR00 9.23 .00
0 10342 16 53700 22279.24 22MAR00 29.50 .00 0 10343 16 53700 71386.12 27APR00 105.27 .00
0 10344 16 53700 3902.93 03NOV99 5.17 .00 0 10345 11 27200 254.00 22SEP99 .17 .00
0 10346 16 53700 4013.98 05APR00 5.31 .00 0 10347 16 53700 101349.78 24SEP99 134.20 .00
0 10348 16 53700 20111.33 28APR00 26.28 .00 0 10349 16 53700 5108.36 27SEP99 6.76 .00
0 10350 16 53700 2167.93 26APR00 3.17 .00 0 10351 16 00000 29.81 17MAR00 .00 .00
0 10352 16 53700 139475.36 19APR00 184.68 .00 0 10354 16 53700 1142.75 28APR00 7.17 .00
0 10355 16 53700 275.17 20JAN00 .36 .00 0 10356 16 53700 24973.85 19APR00 33.07 .00
0 10357 16 53700 21489.51 21APR00 28.45 .00 0 10358 16 53700 64 41981.73 20APR00 55.59 .00
0 10359 16 53700 64 68006.44 27APR00 89.30 .00 0 10360 16 53700 1081.12 18FEB00 .32 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 184
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10361 16 53700 2882.34 17APR00 .85 .00 0 10362 16 53700 5942.87 17APR00 1.75 .00
0 10363 16 53700 10767.51 10APR00 3.17 .00 0 10364 16 53700 24146.15 28APR00 7.10 .00
0 10365 10 29600 1472.74 24APR00 .24 .00 0 10367 16 53700 51 97887.85 08OCT99 28.80 .00
0 10368 16 53700 58281.82 08OCT99 17.15 .00 0 10369 16 53700 61863.69 08FEB00 18.20 .00
0 10370 16 53700 99491.02 28APR00 29.27 .00 0 10371 16 53700 5805.83 20APR00 1.71 .00
0 10372 11 27200 6090.11 28APR00 .91 .00 0 10373 16 53700 61747.85 13DEC99 18.17 .00
0 10374 16 53700 43706.63 02DEC99 12.86 .00 0 10375 16 53700 56671.93 08OCT99 16.68 .00
0 10376 16 53700 25015.37 23DEC99 7.36 .00 0 10377 16 53700 9573.55 25APR00 2.82 .00
0 10378 16 53700 1072.49 29DEC99 .32 .00 0 10379 16 53700 4836.10 10APR00 1.42 .00
0 10380 16 53700 2784.48 04FEB00 .00 .00 0 10381 11 27200 1418.03 28APR00 .00 .00
0 10382 16 53700 99767.53 14OCT99 .00 .00 0 10383 16 53700 27127.21 07MAR00 .00 .00
0 10384 16 53700 23352.63 29DEC99 .00 .00 0 10385 16 53700 428.40 17APR00 .00 .00
0 10386 16 53700 387.64 07APR00 .00 .00 0 10387 16 53700 1104.45 09MAR00 .00 .00
0 10388 16 53700 40348.19 20DEC99 .00 .00 0 10389 14 00000 373.63 26APR00 .00 .00
0 10390 16 53700 8754.07 05APR00 .00 .00 0 10391 14 00000 100.00 18OCT99 .00 .00
0 10392 15 00000 40.00 03APR00 .00 .00 0 10393 16 53700 12090.58 28APR00 .00 .00
0 10394 16 53700 10354.14 17FEB00 .00 .00 0 10395 16 53700 43648.07 19APR00 .00 .00
0 10396 16 53700 10321.00 27OCT99 .00 .00 0 10397 16 53700 8386.88 31JAN00 .00 .00
0 10398 14 00000 16.42 25APR00 .00 .00 0 10399 16 53700 197.18 21APR00 .00 .00
0 10400 16 53700 21415.20 28MAR00 28.36 .00 0 10401 16 53700 100402.77 26OCT99 339.75 .00
0 10402 16 53700 907.38 09MAR00 3.07 .00 0 10403 16 53700 8131.96 21APR00 27.04 .00
0 10405 19 39300 123.07 24APR00 2.27 .00 0 10406 16 53700 20487.35 27OCT99 69.33 .00
0 10407 16 53700 61453.01 28OCT99 207.95 .00 0 10408 16 53700 62620.65 10APR00 211.76 .00
0 10409 10 00000 38.53 28FEB00 .00 .00 0 10410 16 53700 13873.14 14APR00 18.37 .00
0 10411 15 00000 3017.78 14APR00 .00 .00 0 10412 16 53700 21045.15 13APR00 71.51 .00
0 10413 16 53700 26204.54 01NOV99 88.67 .00 0 10414 11 27200 174.97 12NOV99 20.37 .00
0 10415 16 53700 1015.18 18APR00 3.45 .00 0 10416 16 53700 11824.58 17APR00 41.79 .00
0 10417 16 53700 14408.51 10APR00 46.00 .00 0 10418 16 53700 5115.81 04NOV99 17.31 .00
0 10419 18 29600 628.53 10MAR00 1.17 .00 0 10420 16 53700 14225.98 28APR00 33.11 .00
0 10421 16 53700 5724.12 05NOV99 13.47 .00 0 10422 16 53700 11795.61 15NOV99 27.77 .00
0 10423 16 53700 54000.95 21MAR00 127.12 .00 0 10424 16 53700 2212.22 03APR00 5.21 .00
0 10425 16 53700 7899.49 05NOV99 18.60 .00 0 10426 16 53700 22316.93 02FEB00 52.53 .00
0 10427 16 53700 97229.14 09NOV99 228.87 .00 0 10428 16 53700 1535.19 09NOV99 3.61 .00
0 10429 16 53700 74340.44 20APR00 125.32 .00 0 10430 16 53700 69242.64 10NOV99 163.00 .00
0 10431 16 53700 10152.65 24FEB00 23.90 .00 0 10432 16 53700 6138.07 12NOV99 14.45 .00
0 10433 16 53700 57537.54 15NOV99 135.44 .00 0 10434 16 53700 51399.59 15NOV99 120.99 .00
0 10435 16 53700 45249.17 22MAR00 106.52 .00 0 10436 16 53700 11016.87 24APR00 37.59 .00
0 10437 16 53700 32047.25 23MAR00 75.44 .00 0 10438 16 53700 167803.85 24MAR00 395.01 .00
0 10440 16 53700 113034.74 27APR00 67.28 .00 0 10441 16 53700 3917.23 27APR00 6.44 .00
0 10442 16 53700 89 29156.01 19NOV99 38.61 .00 0 10443 16 53700 2233.35 07APR00 2.96 .00
0 10444 16 53700 9354.34 13APR00 12.39 .00 0 10445 16 53700 89 10127.84 19NOV99 13.41 .00
0 10446 16 53700 40902.52 22NOV99 54.16 .00 0 10447 16 53700 8307.08 12APR00 11.00 .00
0 10448 16 53700 44595.10 22NOV99 59.05 .00 0 10449 16 53700 30498.68 29FEB00 40.38 .00
0 10450 16 53700 14203.66 20APR00 18.81 .00 0 10451 16 53700 1907.67 09DEC99 2.53 .00
0 10452 16 53700 87449.40 21MAR00 115.79 .00 0 10453 16 53700 1226.35 26NOV99 1.62 .00
0 10455 16 53700 1012.52 15MAR00 1.34 .00 0 10456 16 53700 73782.46 10FEB00 97.70 .00
0 10458 16 53700 3472.63 30NOV99 4.60 .00 0 10459 16 53700 2793.52 18APR00 3.70 .00
0 10460 14 00000 500.00 30NOV99 .00 .00 0 10461 16 53700 3404.14 01DEC99 1.00 .00
0 10462 16 53700 2800.41 17APR00 .82 .00 0 10463 16 53700 4171.00 21APR00 1.23 .00
0 10464 19 39300 56.64 21APR00 .01 .00 0 10465 16 53700 102106.41 09DEC99 30.04 .00
0 10466 16 53700 12383.21 20APR00 3.64 .00 0 10468 16 53700 5672.74 13DEC99 1.67 .00
0 10469 16 53700 3401.04 13DEC99 1.00 .00 0 10470 16 53700 24483.96 15DEC99 7.20 .00
0 10471 15 00000 2197.93 27APR00 .00 .00 0 10472 18 29600 1534.94 28APR00 .25 .00
0 10473 11 27200 1769.53 28APR00 .26 .00 0 10474 19 39300 7369.02 27APR00 1.59 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 185
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10475 16 53700 1544.16 05APR00 .45 .00 0 10476 11 27200 753.66 05APR00 .11 .00
0 10477 16 53700 5609.21 11JAN00 1.65 .00 0 10478 16 53700 104.72 01FEB00 .03 .00
0 10479 16 53700 1444.09 28FEB00 .42 .00 0 10481 16 53700 6815.39 28APR00 8.14 .00
0 10482 16 53700 6240.39 10APR00 1.84 .00 0 10483 16 53700 3816.36 20JAN00 1.12 .00
0 10484 16 53700 101807.08 31DEC99 .00 .00 0 10485 16 53700 6131.56 30MAR00 .00 .00
0 10486 16 53700 1984.14 04JAN00 .00 .00 0 10487 16 53700 1133.17 04JAN00 .00 .00
0 10488 16 53700 31366.92 27APR00 .00 .00 0 10489 16 53700 6156.58 26APR00 .00 .00
0 10491 16 53700 2725.58 14FEB00 .00 .00 0 10492 16 53700 8136.21 07JAN00 .00 .00
0 10493 19 39300 1709.65 06MAR00 .00 .00 0 10495 19 39300 768.17 26APR00 .00 .00
0 10496 16 53700 2220.90 11JAN00 .00 .00 0 10497 16 53700 158393.19 25FEB00 .00 .00
0 10498 16 53700 40651.25 12JAN00 .00 .00 0 10499 19 39300 911.49 24APR00 .00 .00
0 10500 19 39300 1672.21 27APR00 3.20 .00 0 10501 19 39300 1424.26 28APR00 8.65 .00
0 10502 19 39300 395.26 27APR00 1.53 .00 0 10503 16 53700 4263.41 07APR00 14.43 .00
0 10504 16 53700 2262.92 28APR00 23.19 .00 0 10505 19 39300 11.91 01APR00 .03 .00
0 10506 16 53700 8100.45 14JAN00 27.41 .00 0 10507 19 39300 100.87 18JAN00 .25 .00
0 10508 19 39300 100.87 18JAN00 .25 .00 0 10509 16 53700 2995.28 21MAR00 10.14 .00
0 10510 19 39300 870.11 29APR00 3.22 .00 0 10511 19 39300 956.53 18APR00 2.45 .00
0 10512 16 53700 9844.85 21JAN00 33.31 .00 0 10513 19 39300 2102.97 28APR00 .90 .00
0 10514 19 39300 668.32 27APR00 5.43 .00 0 10515 16 53700 13921.64 18APR00 43.03 .00
0 10516 16 53700 8420.73 25APR00 23.71 .00 0 10517 19 39300 7413.55 26APR00 19.83 .00
0 10518 16 53700 .00 24APR00 .50 .00 0 10519 16 53700 3567.61 25APR00 11.01 .00
0 10520 16 53700 37283.47 14APR00 87.76 .00 0 10521 16 53700 68275.38 24MAR00 160.72 .00
0 10522 19 39300 102.97 27MAR00 .18 .00 0 10523 19 39300 64 10940.37 27APR00 19.51 .00
0 10524 19 39300 273.61 24APR00 .64 .00 0 10525 16 53700 442.42 05APR00 1.04 .00
0 10526 19 39300 2132.85 17APR00 3.69 .00 0 10527 16 53700 64 11155.84 25APR00 27.98 .00
0 10528 19 39300 4086.45 28APR00 3.97 .00 0 10529 19 39300 3499.99 26APR00 3.06 .00
0 10530 16 53700 19646.30 29FEB00 46.25 .00 0 10531 16 53700 1009.00 14FEB00 2.38 .00
0 10532 19 39300 100.57 15FEB00 .25 .00 0 10533 16 53700 6053.08 15FEB00 14.25 .00
0 10534 19 39300 727.10 30MAR00 1.25 .00 0 10535 16 53700 9482.77 27MAR00 22.32 .00
0 10536 19 39300 477.61 10APR00 .82 .00 0 10537 16 53700 17556.22 10APR00 60.17 .00
0 10538 16 53700 10016.13 25APR00 23.33 .00 0 10539 19 39300 2.79 17APR00 .05 .00
0 10541 16 53700 252.47 17APR00 .33 .00 0 10542 19 39300 100.71 16FEB00 .10 .00
0 10544 19 39300 2187.47 26APR00 5.32 .00 0 10545 19 39300 151.04 18FEB00 .15 .00
0 10546 16 53700 18178.69 13APR00 24.07 .00 0 10547 19 39300 532.78 24FEB00 .52 .00
0 10548 16 53700 28243.56 23FEB00 37.40 .00 0 10549 15 00000 3278.25 20APR00 .00 .00
0 10550 16 53700 3270.19 21APR00 4.33 .00 0 10551 16 53700 1124.24 26APR00 1.88 .00
0 10552 16 53700 6898.30 27APR00 8.80 .00 0 10553 19 39300 1304.54 21MAR00 1.26 .00
0 10554 16 53700 2015.03 02MAR00 2.67 .00 0 10555 19 39300 598.09 26APR00 .65 .00
0 10556 19 39300 385.11 14APR00 .37 .00 0 10557 19 39300 15.44 24APR00 .02 .00
0 10558 19 39300 822.84 27APR00 .90 .00 0 10559 16 53700 4046.59 24APR00 5.21 .00
0 10560 19 39300 1637.51 12APR00 .35 .00 0 10561 16 53700 40 40318.36 06MAR00 11.86 .00
0 10562 16 53700 13512.16 28APR00 3.98 .00 0 10563 16 53700 32141.80 06MAR00 9.46 .00
0 10564 19 39300 226.77 28APR00 .05 .00 0 10565 16 53700 32048.39 07MAR00 9.43 .00
0 10566 19 39300 3081.27 29APR00 .66 .00 0 10567 19 39300 60 2137.10 12APR00 .46 .00
0 10568 19 39300 5.03 08MAR00 .00 .00 0 10569 16 53700 90676.39 09MAR00 26.68 .00
0 10570 16 53700 13923.56 17APR00 4.10 .00 0 10571 16 53700 81973.31 17MAR00 24.12 .00
0 10572 16 53700 99068.96 17MAR00 29.15 .00 0 10573 16 53700 81816.33 17MAR00 24.07 .00
0 10574 19 39300 100.51 13MAR00 .02 .00 0 10575 16 53700 1617.34 14APR00 .48 .00
0 10576 16 53700 26366.25 10APR00 7.76 .00 0 10577 19 39300 402.40 28APR00 .09 .00
0 10578 19 39300 1032.42 26APR00 .22 .00 0 10579 16 53700 31282.16 20APR00 9.20 .00
0 10580 16 53700 1009.58 06APR00 .00 .00 0 10581 19 00000 .00 17MAR00 .00 .00
0 10582 19 39300 100.48 17MAR00 .00 .00 0 10583 16 53700 156688.57 17MAR00 .00 .00
0 10584 16 53700 6037.12 20MAR00 .00 .00 0 10585 19 39300 588.03 18APR00 .00 .00
0 10586 19 39300 301.33 21MAR00 .00 .00 0 10587 16 53700 23119.57 21APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 186
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 10588 19 39300 100.46 06APR00 .00 .00 0 10589 19 39300 271.86 24APR00 .00 .00
0 10590 19 39300 7755.45 31MAR00 .00 .00 0 10591 19 39300 100.42 24MAR00 .00 .00
0 10592 19 39300 89.21 04APR00 .00 .00 0 10593 16 53700 1005.16 27MAR00 .00 .00
0 10594 19 39300 225.56 17APR00 .00 .00 0 10595 16 53700 35617.39 19APR00 .00 .00
0 10596 19 39300 89 501.78 29MAR00 .00 .00 0 10597 19 39300 88 2006.68 31MAR00 .00 .00
0 10598 19 39300 88 1002.91 04APR00 .00 .00 0 10599 19 39300 88 945.70 29APR00 .00 .00
0 10600 16 53700 88 447.56 29APR00 87.18 .00 0 10601 16 53700 88 19766.43 28APR00 47.65 .00
0 10602 19 39300 88 100.03 05APR00 .25 .00 0 10603 16 53700 88 5521.77 27APR00 14.44 .00
0 10604 16 53700 88 1000.44 05APR00 3.39 .00 0 10605 19 39300 88 1000.22 06APR00 2.48 .00
0 10606 19 39300 88 100.02 06APR00 .25 .00 0 10607 19 39300 88 18850.63 28APR00 39.73 .00
0 10608 16 53700 88 8438.03 20APR00 28.38 .00 0 10609 16 53700 88 2000.29 07APR00 6.77 .00
0 10610 19 39300 88 64.01 28APR00 .24 .00 0 10611 19 39300 88 1330.20 19APR00 5.66 .00
0 10612 19 39300 88 49.87 28APR00 .29 .00 0 10613 19 39300 88 306.00 24APR00 3.54 .00
0 10614 16 53700 88 25000.00 10APR00 77.24 .00 0 10615 16 53700 88 14000.00 11APR00 41.19 .00
0 10616 16 53700 204989.78 18APR00 433.26 .00 0 10617 16 53700 19400.33 26APR00 48.31 .00
0 10618 16 53700 60 200000.00 13APR00 529.64 .00 0 10619 16 53700 88 22752.97 13APR00 89.69 .00
0 10620 19 39300 88 988.45 25APR00 1.72 .00 0 10621 19 39300 430.75 25APR00 .81 .00
0 10622 19 39300 88 3988.66 25APR00 6.88 .00 0 10623 16 53700 88 3000.44 14APR00 7.06 .00
0 10624 19 39300 88 88.24 25APR00 .16 .00 0 10625 16 53700 88 5000.00 17APR00 10.30 .00
0 10626 16 53700 88 143891.96 25APR00 296.39 .00 0 10627 19 39300 88 16482.27 25APR00 17.70 .00
0 10628 19 39300 88 100.00 17APR00 .15 .00 0 10629 16 53700 1000.00 18APR00 1.91 .00
0 10630 16 53700 88 2500.00 18APR00 4.78 .00 0 10631 19 39300 88 120.12 19APR00 .16 .00
0 10632 16 53700 88 100000.00 20APR00 161.84 .00 0 10633 19 39300 88 988.23 20APR00 1.18 .00
0 10634 19 39300 88 100.00 21APR00 .11 .00 0 10635 19 39300 88 1000.00 21APR00 1.08 .00
0 10636 19 39300 88 100.00 24APR00 .08 .00 0 10637 16 53700 60 10000.00 24APR00 10.30 .00
0 10638 16 53700 88 5575.00 28APR00 4.67 .00 0 10639 19 39300 88 1000.00 25APR00 .65 .00
0 10640 16 53700 88 1000.00 26APR00 .74 .00 0 10641 19 39300 88 976.50 27APR00 .42 .00
0 10642 19 39300 88 100.00 27APR00 .04 .00 0 10643 16 53700 88 7000.00 28APR00 3.09 .00
0 10644 16 53700 53000.00 28APR00 23.39 .00 0 400047 15 00000 13753.37 27APR00 .00 .00
0 400101 15 00000 451.87 19NOV99 .00 .00 0 400128 15 00000 40 2000.00 26APR00 .00 .00
0 400136 15 00000 40 119601.69 28APR00 .00 .00 0 400144 15 00000 40 10000.00 10JUN98 .00 .00
0 400152 15 00000 1201.53 26APR00 .00 .00 0 400195 15 00000 12500.46 21SEP99 .00 .00
0 400217 15 00000 6224.31 22FEB00 .00 .00 0 400241 15 00000 13685.32 28APR00 .00 .00
0 500025 16 00000 85.65 17FEB99 .00 .00 0 500041 16 53700 31695.91 24APR00 .00 .00
0 500092 16 53700 40 123499.31 13APR00 .00 .00 0 500106 16 53700 6488.06 21APR00 .00 .00
0 900018 19 39300 3.23 25APR00 .00 .00 0 900034 11 27200 504.45 27APR00 .00 .00
0 900069 11 27200 35.29 20APR00 .00 .00 0 900131 11 27200 7.55 28APR00 .00 .00
0 900158 11 27200 17465.07 27APR00 .00 .00 0 900204 11 27200 4293.20 10APR00 .00 .00
0 900212 11 27200 993.10 28APR00 .00 .00 0 900255 11 27200 637.18 27APR00 .00 .00
0 900263 11 27200 1644.13 26APR00 .00 .00 0 900298 11 27200 3958.95 27APR00 .00 .00
0 900328 11 27200 51.70 29MAY98 .00 .00 0 900336 11 27200 12161.63 27APR00 .00 .00
0 900344 11 27200 93384.49 28APR00 .00 .00 0 900379 19 39300 2667.57 14APR00 .00 .00
0 900417 19 39300 13767.49 21APR00 .00 .00 0 900425 11 27200 15385.07 28APR00 .00 .00
0 900468 11 27200 2633.25 31MAR00 .00 .00 0 900476 11 27200 498.61 25APR00 .00 .00
0 900484 11 27200 6221.71 29APR00 .00 .00 0 900492 11 27200 745.35 29APR00 .00 .00
0 900522 11 27200 3287.44 28APR00 .00 .00 0 900549 11 27200 17751.95 12APR00 .00 .00
0 900557 11 27200 1845.39 25APR00 .00 .00 0 900581 11 27200 89 3218.23 17APR00 .00 .00
0 900603 11 27200 5888.62 26APR00 .00 .00 0 900611 11 27200 4906.84 28APR00 .00 .00
0 900638 11 27200 2697.40 17APR00 .00 .00 0 900646 11 27200 1798.74 28APR00 .00 .00
0 900654 11 27200 996.70 06APR00 .00 .00 0 900662 11 27200 11053.09 28APR00 .00 .00
0 900697 11 27200 1195.72 27APR00 .00 .00 0 900719 11 27200 8552.47 27APR00 .00 .00
0 900778 11 27200 5905.86 28APR00 .00 .00 0 900786 11 27200 1573.11 28APR00 .00 .00
0 900808 11 27200 3539.11 28APR00 .00 .00 0 900816 11 27200 11353.93 28APR00 .00 .00
0 900832 11 27200 1134.70 19APR00 .00 .00 0 900859 19 39300 1056.44 28APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 16 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 187
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 900875 11 27200 116.90 26APR00 .00 .00 0 900891 11 27200 32906.15 28APR00 .00 .00
0 900905 11 27200 2.54 19APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 26 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 188
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 23 00000 38 .01 17MAY99 .00 .00 0 2 25 00000 38 .01 17MAY99 .00 .00
0 3 28 00000 38 .01 17MAY99 .00 .00 0 30001 21 00000 135.80 29APR00 .00 .00
0 30002 21 00000 64 683.49 24APR00 .00 .00 0 600031 21 00000 1.96-28APR00 .00 .00
0 600066 21 00000 131.90 29APR00 .00 .00 0 600074 21 00000 477.10 28APR00 .00 .00
0 600112 21 00000 9316.44 28APR00 .00 .00 0 600139 21 00000 1612.61 28APR00 .00 .00
0 600171 21 00000 1232.72 25APR00 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 36 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 189
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 2 35 00000 38 .01 17MAY99 .00 .00 0 3 31 00000 38 .01 18MAY99 .00 .00
0 19 38 60600 13903.51 25NOV97 71.56 .00 0 25 38 60600 55141.54 26NOV97 283.81 .00
0 36 38 60600 6028.05 28NOV97 31.03 .00 0 50 38 60600 86767.38 04DEC97 446.58 .00
0 57 36 59200 13827.22 08DEC97 69.52 .00 0 58 38 60600 13873.58 08DEC97 71.41 .00
0 62 38 61600 38 115831.08 11DEC97 606.00 .00 0 70 38 60600 15358.65 15DEC97 79.05 .00
0 73 38 60600 2309.20 16DEC97 11.89 .00 0 77 38 60600 1154.38 17DEC97 5.94 .00
0 78 38 60600 51 23088.10 17DEC97 118.83 .00 0 82 38 60600 27136.56 18DEC97 139.67 .00
0 84 38 60600 2885.56 18DEC97 14.85 .00 0 93 38 60600 2306.89 22DEC97 11.87 .00
0 95 38 60600 12523.57 22DEC97 64.46 .00 0 96 38 60600 38 26752.89 13DEC99 1 137.69 .00
0 97 38 60600 38 26843.27 13DEC99 1 138.16 .00 0 98 38 60600 34597.66 23DEC97 178.07 .00
0 100 38 60600 99451.81 24DEC97 511.86 .00 0 101 38 59700 46010.17 26DEC97 233.29 .00
0 102 38 59200 11489.08 26DEC97 57.77 .00 0 109 38 58300 26050.39 01DEC99 128.99 .00
0 111 38 58300 108491.86 27JAN98 537.20 .00 0 115 38 60600 2306.90 24FEB98 11.87 .00
0 148 38 59200 11231.13 15MAY98 56.47 .00 0 171 38 58300 13410.73 04JUN98 66.40 .00
0 181 38 56900 11121.56 18JUN98 53.75 .00 0 183 38 58300 52924.33 01JUL98 262.06 .00
0 296 38 58300 16653.99 15JUL98 82.46 .00 0 362 38 58300 22103.96 22JUL98 109.45 .00
0 379 34 52100 77205.37 21SEP98 341.63 .00 0 383 34 49700 97277.40 07OCT98 410.62 .00
0 388 38 51200 2161.01 26OCT98 9.40 .00 0 20148 92 53700 .00 25JUN99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 46 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 190
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 41 00000 38 .01 17MAY99 .00 .00 0 2 42 00000 38 .01 17MAY99 .00 .00
0 3 44 00000 38 .01 17MAY99 .00 .00 0 4 45 00000 38 .01 17MAY99 .00 .00
0 5 46 00000 38 .01 17MAY99 .00 .00 0 6 47 00000 38 .01 17MAY99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 56 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 191
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 55 00000 38 .01 17MAY99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 76 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 192
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 71 39300 38 .01 17MAY99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 86 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 193
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 82 39300 38 .01 17MAY99 .00 .00 0 2 83 39300 38 .01 17MAY99 .00 .00
0 3 84 40700 38 .01 17MAY99 .00 .00 0 4 85 40700 38 .01 17MAY99 .00 .00
0 5 86 40700 38 .01 17MAY99 .00 .00 0 6 87 41700 38 .01 17MAY99 .00 .00
0 7 88 41700 38 .01 17MAY99 .00 .00 0 8 89 41700 38 .01 17MAY99 .00 .00
INST 75P BRANCH 60 SEQ-TYPE 96 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 194
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 1 90 43100 38 .01 17MAY99 .00 .00 0 2 91 43100 38 .01 17MAY99 .00 .00
0 3 99 00000 38 .01 17MAY99 .00 .00 0 20101 93 53500 49 97870.90 03FEB99 444.71 .00
0 20102 93 47900 49 21222.53 03FEB99 86.34 .00 0 20105 92 60700 49 3359.23 31JAN00 17.32 .00
0 20106 92 62600 49 20758.00 22FEB00 110.36 .00 0 20112 92 47900 49 1114.72 19APR99 4.53 .00
0 20119 92 64400 49 7673.93 23APR99 41.97 .00 0 20121 92 47900 49 5568.39 03MAY99 22.65 .00
0 20125 92 51400 49 31530.15 13MAY99 137.64 .00 0 20126 92 51400 49 52505.95 19MAY99 229.21 .00
0 20127 92 51400 49 16385.37 20MAY99 71.53 .00 0 20128 92 51400 49 16385.37 20MAY99 71.53 .00
0 20130 92 51400 10492.33 25MAY99 45.80 .00 0 20131 92 51400 49 12585.49 28MAY99 54.94 .00
0 20134 92 51400 49 13566.60 02JUN99 59.22 .00 0 20135 92 51400 49 15709.77 07JUN99 68.58 .00
0 20136 92 47900 49 1639.33 07JUN99 6.67 .00 0 20138 92 51400 49 44589.12 14JUN99 194.65 .00
0 20139 92 51400 49 10461.41 15JUN99 45.67 .00 0 20140 92 53700 49 104809.74 16JUN99 478.02 .00
0 20141 92 51400 49 89026.97 17JUN99 388.65 .00 0 20144 92 53700 49 3346.58 25JUN99 15.26 .00
0 20145 92 53700 49 1114.85 25JUN99 5.08 .00 0 20146 92 53700 49 78087.19 25JUN99 356.14 .00
0 20147 92 53700 49 43784.61 25JUN99 199.69 .00 0 20148 92 53700 49 11157.10 25JUN99 50.89 .00
0 20149 92 53700 49 10462.51 28JUN99 47.72 .00 0 20150 92 53700 49 31279.68 02DEC99 142.66 .00
0 20151 92 53700 49 33440.41 28JUN99 152.52 .00 0 20153 92 53700 49 52312.55 28JUN99 238.59 .00
0 20154 92 53700 49 11146.79 28JUN99 50.84 .00 0 20155 92 53700 49 2229.61 28JUN99 10.17 .00
0 20156 92 53700 49 2092.51 28JUN99 9.54 .00 0 20158 92 53700 49 10508.64 02SEP99 47.93 .00
0 20159 92 53700 49 33409.51 01JUL99 152.37 .00 0 20160 92 53700 49 22273.02 01JUL99 101.58 .00
0 20162 92 53700 49 41825.47 02JUL99 190.76 .00 0 20163 92 53700 49 5228.18 02JUL99 23.84 .00
0 20164 92 53700 49 15684.55 02JUL99 71.53 .00 0 20165 92 53700 49 26140.89 02JUL99 119.22 .00
0 20166 92 53700 49 62692.24 07JUL99 285.93 .00 0 20169 92 53700 49 13187.47 08JUL99 60.15 .00
0 20170 92 56100 49 10388.97 12JUL99 49.50 .00 0 20171 92 56100 49 10459.55 13JUL99 49.84 .00
0 20172 92 56100 49 24112.70 01DEC99 114.89 .00 0 20173 92 56100 49 2091.60 14JUL99 9.97 .00
0 20176 92 56100 49 22139.26 15JUL99 105.49 .00 0 20177 92 56100 49 15684.54 15JUL99 74.73 .00
0 20178 92 56100 49 104563.53 15JUL99 498.21 .00 0 20179 92 56100 49 72000.00 15JUL99 1 343.06 .00
0 20180 92 56100 49 91699.85 13DEC99 436.92 .00 0 20182 92 56100 49 3136.42 16JUL99 14.94 .00
0 20183 92 56100 49 47726.89 16JUL99 227.40 .00 0 20184 92 56100 49 7106.18 19JUL99 33.86 .00
0 20185 93 56100 49 4501.85 19JUL99 21.45 .00 0 20187 92 56100 49 9541.39 19JUL99 45.46 .00
0 20188 92 56100 49 102539.34 20JUL99 488.56 .00 0 20189 92 56100 49 5328.64 20JUL99 25.39 .00
0 20190 92 56100 49 10448.33 20JUL99 49.78 .00 0 20191 92 56100 49 52233.68 21JUL99 248.88 .00
0 20192 92 56100 49 10446.75 21JUL99 49.78 .00 0 20193 92 56100 49 14625.44 21JUL99 69.69 .00
0 20194 92 56100 49 11052.24 22JUL99 52.66 .00 0 20195 92 56100 49 26112.82 22JUL99 124.42 .00
0 20196 92 56100 49 6789.33 22JUL99 32.35 .00 0 20197 92 56100 49 24347.30 22JUL99 116.01 .00
0 20198 92 56100 49 18491.14 22JUL99 88.10 .00 0 20199 92 56100 49 20890.27 22JUL99 99.53 .00
0 20200 92 56100 49 12094.01 22JUL99 57.62 .00 0 20202 92 56100 49 72485.75 22JUL99 345.37 .00
0 20203 92 56100 49 26108.80 23JUL99 124.40 .00 0 20204 92 56100 49 15665.29 23JUL99 74.64 .00
0 20205 92 56100 49 5221.78 23JUL99 24.88 .00 0 20206 92 56100 49 1044.34 23JUL99 4.98 .00
0 20207 92 56100 49 8176.81 26JUL99 38.96 .00 0 20208 92 56100 49 5218.55 27JUL99 24.86 .00
0 20209 92 56100 49 5218.55 27JUL99 24.86 .00 0 20211 92 56100 49 16284.69 28JUL99 77.59 .00
0 20212 92 56100 49 26084.78 29JUL99 124.29 .00 0 20213 92 56100 49 26084.78 29JUL99 124.29 .00
0 20214 92 56100 49 8062.37 30JUL99 38.41 .00 0 20217 92 56100 49 4291.02 03AUG99 20.45 .00
0 20218 92 56100 49 2084.85 04AUG99 9.93 .00 0 20219 92 56100 49 52113.59 05AUG99 248.30 .00
0 20220 92 56100 49 39022.68 05AUG99 185.93 .00 0 20221 92 56100 49 5211.36 05AUG99 24.83 .00
0 20222 92 56100 49 6253.63 05AUG99 29.80 .00 0 20223 92 56100 49 2084.54 05AUG99 9.93 .00
0 20224 92 56100 49 3107.72 06AUG99 14.81 .00 0 20225 92 56100 49 4998.50 06AUG99 23.82 .00
0 20226 92 56100 49 93790.13 06AUG99 446.88 .00 0 20227 92 56100 49 26052.80 06AUG99 124.13 .00
0 20228 92 56100 49 22191.31 09AUG99 105.73 .00 0 20229 92 56100 49 11093.91 09AUG99 52.86 .00
0 20230 92 56100 49 16640.83 09AUG99 79.29 .00 0 20231 92 56100 49 3105.56 09AUG99 14.80 .00
0 20232 92 56100 49 3105.56 09AUG99 14.80 .00 0 20233 92 56100 49 3105.56 09AUG99 14.80 .00
0 20234 92 56100 49 3105.56 09AUG99 14.80 .00 0 20235 92 56100 49 3105.56 09AUG99 14.80 .00
0 20236 92 56100 49 5546.94 09AUG99 26.43 .00 0 20237 92 56100 49 22104.56 26APR00 105.32 .00
0 20238 92 56100 49 52825.88 09AUG99 251.70 .00 0 20239 92 56100 49 23957.39 09AUG99 114.15 .00
0 20240 92 56100 49 78137.70 10AUG99 372.30 .00 0 20241 92 56100 49 10414.74 10AUG99 49.62 .00
INST 75P BRANCH 60 SEQ-TYPE 96 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 195
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20242 92 56100 49 7182.17 10AUG99 34.22 .00 0 20243 92 56100 49 22187.91 10AUG99 105.72 .00
0 20244 92 56100 49 31239.45 11AUG99 148.85 .00 0 20245 92 56100 49 93189.89 11AUG99 444.02 .00
0 20246 92 56100 49 11454.45 11AUG99 54.58 .00 0 20248 92 56100 49 2430.36 11AUG99 11.58 .00
0 20249 92 56100 49 11609.96 12AUG99 55.32 .00 0 20250 92 56100 49 27229.16 12AUG99 129.74 .00
0 20251 93 56100 49 2217.76 12AUG99 10.57 .00 0 20252 92 56100 49 98909.77 12AUG99 471.27 .00
0 20253 93 56100 33 3420.61 12AUG99 16.30 .00 0 20254 92 56100 49 45551.25 12AUG99 217.04 .00
0 20257 92 56100 49 104099.59 13AUG99 496.00 .00 0 20258 92 56100 49 11088.84 13AUG99 52.83 .00
0 20259 92 56100 49 5204.97 13AUG99 24.80 .00 0 20260 92 56100 49 99799.72 13AUG99 475.51 .00
0 20261 92 56100 49 26024.91 13AUG99 124.00 .00 0 20262 92 56100 49 29684.71 16AUG99 141.44 .00
0 20263 92 56100 49 44334.96 16AUG99 211.24 .00 0 20264 92 56100 49 11089.04 16AUG99 52.84 .00
0 20265 92 56100 49 1773.96 16AUG99 8.45 .00 0 20266 92 56100 49 5543.62 16AUG99 26.41 .00
0 20267 92 56100 49 11087.30 16AUG99 52.83 .00 0 20268 92 56100 49 5543.62 16AUG99 26.41 .00
0 20269 92 56100 49 15608.08 18AUG99 74.37 .00 0 20270 92 56100 49 22174.58 16AUG99 105.65 .00
0 20271 92 56100 49 1663.11 16AUG99 7.92 .00 0 20272 92 56100 49 11087.30 16AUG99 52.83 .00
0 20273 92 56100 49 77835.55 16AUG99 370.86 .00 0 20274 92 56100 49 10405.17 16AUG99 49.58 .00
0 20275 92 56100 49 8915.05 16AUG99 42.48 .00 0 20276 92 56100 49 66513.11 16AUG99 316.91 .00
0 20277 92 56100 49 22171.03 16AUG99 105.64 .00 0 20278 92 56100 49 5542.72 16AUG99 26.41 .00
0 20279 92 56100 49 38574.29 16AUG99 183.79 .00 0 20280 92 56100 49 22167.49 16AUG99 105.62 00
0 20281 92 56100 49 2217.46 16AUG99 10.57 .00 0 20282 92 56100 49 1108.75 16AUG99 5.28 .00
0 20283 93 56100 49 100239.68 16AUG99 1 477.61 .00 0 20284 92 56100 49 110819.74 16AUG99 528.02 .00
0 20285 92 56100 49 22171.17 17AUG99 105.64 .00 0 20286 92 56100 49 14963.14 17AUG99 71.29 .00
0 20287 92 56100 49 14963.14 17AUG99 71.29 .00 0 20288 92 56100 49 10529.62 17AUG99 50.17 .00
0 20289 92 56100 49 1305.52 17AUG99 6.22 .00 0 20290 92 56100 49 11082.04 17AUG99 52.80 .00
0 20291 92 56100 49 1040.37 17AUG99 4.96 .00 0 20292 92 56100 49 11083.80 17AUG99 52.81 .00
0 20293 92 56100 49 27705.10 17AUG99 132.01 .00 0 20294 92 56100 49 27705.10 17AUG99 132.01 .00
0 20295 92 56100 49 1663.12 17AUG99 7.92 .00 0 20297 92 56100 49 22174.84 18AUG99 105.66 .00
0 20298 93 56100 49 14505.50 19AUG99 69.11 .00 0 20299 92 56100 49 20800.77 19AUG99 99.11 .00
0 20300 92 56100 49 6650.36 19AUG99 31.69 .00 0 20301 92 56100 49 10392.54 19AUG99 49.52 .00
0 20302 92 56100 49 33379.61 19AUG99 159.04 .00 0 20303 92 56100 49 33379.61 19AUG99 159.04 .00
0 20304 92 56100 49 3119.64 20AUG99 14.86 .00 0 20305 92 56100 49 33402.26 03DEC99 159.15 .00
0 20306 92 56100 49 88588.76 23AUG99 422.10 .00 0 20307 92 56100 49 40927.98 23AUG99 195.01 .00
0 20308 92 56100 49 11126.00 23AUG99 53.01 .00 0 20309 92 56100 49 11087.84 24AUG99 52.83 .00
0 20310 92 56100 49 110772.07 24AUG99 527.79 .00 0 20311 92 56100 49 5195.41 25AUG99 24.75 .00
0 20312 92 56100 49 20650.67 25AUG99 98.39 .00 0 20316 92 56100 49 1690.77 30AUG99 8.06 .00
0 20317 92 56100 49 10925.92 31AUG99 52.06 .00 0 20321 92 56100 49 10379.66 01SEP99 49.46 .00
0 20322 92 56100 49 2744.33 02SEP99 13.08 .00 0 20324 92 60200 49 92111.80 09SEP99 470.96 .00
0 20325 92 60200 49 60420.18 09SEP99 308.92 .00 0 20326 92 60200 49 4157.69 09SEP99 21.26 .00
0 20327 92 60200 49 43594.37 09SEP99 222.89 .00 0 20328 92 60200 49 10392.52 10SEP99 53.14 .00
0 20329 92 60200 49 17700.30 10SEP99 90.50 .00 0 20330 92 60200 49 20064.17 10SEP99 102.59 .00
0 20331 92 60200 49 1095.22 10SEP99 5.60 .00 0 20332 92 60200 49 9353.25 10SEP99 47.82 .00
0 20333 92 60200 49 25981.26 10SEP99 132.84 .00 0 20334 92 60200 49 51936.92 13SEP99 265.55 .00
0 20336 92 60200 49 43627.01 13SEP99 223.06 .00 0 20337 92 60200 49 10387.38 13SEP99 53.11 .00
0 20338 92 60200 49 94402.46 13SEP99 482.67 .00 0 20339 92 60200 49 10387.38 13SEP99 53.11 .00
0 20340 92 60200 49 25968.46 13SEP99 132.77 .00 0 20341 92 60200 49 29663.05 13SEP99 151.66 .00
0 20342 92 60200 49 29663.04 13SEP99 151.66 .00 0 20343 92 60200 49 29663.04 13SEP99 151.66 .00
0 20344 92 60200 49 51936.92 13SEP99 265.55 .00 0 20345 92 60200 49 346482.23 13SEP99 1771.52 .00
0 20346 92 60200 49 21576.72 14SEP99 110.32 .00 0 20347 92 60200 49 95486.22 14APR00 488.21 .00
0 20348 92 60200 49 5464.37 15SEP99 27.94 .00 0 20349 92 60200 49 1038.40 15SEP99 5.31 .00
0 20350 92 60200 49 1069.55 15SEP99 5.47 .00 0 20351 92 60200 49 39370.89 15SEP99 201.30 .00
0 20352 92 60200 49 5465.89 15SEP99 27.95 .00 0 20353 92 60200 49 1583.30 16SEP99 8.10 .00
0 20355 92 60200 49 31141.65 17SEP99 159.22 .00 0 20356 92 60200 49 31141.65 17SEP99 159.22 .00
0 20357 92 60200 49 31141.65 17SEP99 159.22 .00 0 20358 92 60200 49 89490.03 17SEP99 457.55 .00
0 20359 92 60200 49 25951.38 17SEP99 132.69 .00 0 20360 92 60200 49 15570.83 17SEP99 79.61 .00
0 20361 92 60200 49 103912.33 17SEP99 531.29 .00 0 20362 92 60200 49 5190.26 17SEP99 26.54 .00
INST 75P BRANCH 60 SEQ-TYPE 96 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 196
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20363 92 60200 49 10380.55 17SEP99 53.07 .00 0 20364 92 60200 49 3114.16 17SEP99 15.92 .00
0 20365 92 60200 49 5190.26 17SEP99 26.54 .00 0 20366 92 60200 49 103805.52 17SEP99 530.74 .00
0 20367 92 60200 49 98566.56 20SEP99 503.96 .00 0 20368 92 60200 49 72627.99 20SEP99 371.34 .00
0 20369 92 60200 49 62252.57 20SEP99 318.29 .00 0 20370 92 60200 49 25938.58 20SEP99 132.62 .00
0 20371 92 60200 49 8300.34 20SEP99 42.44 .00 0 20372 92 60200 49 5187.71 20SEP99 26.52 .00
0 20373 92 60200 49 15563.13 20SEP99 79.57 .00 0 20374 92 60200 49 103754.27 20SEP99 530.48 .00
0 20375 92 60200 49 41792.09 21SEP99 213.68 .00 0 20376 92 60200 49 17635.32 21SEP99 90.17 .00
0 20377 92 60200 49 17635.32 21SEP99 90.17 .00 0 20378 92 60200 49 20747.45 21SEP99 106.08 .00
0 20379 92 60200 49 3630.81 21SEP99 18.56 .00 0 20380 92 60200 49 62242.32 21SEP99 318.24 .00
0 20382 92 60200 49 12446.42 22SEP99 63.64 .00 0 20383 92 60200 49 10372.01 22SEP99 53.03 .00
0 20384 92 60200 49 1990.60 22SEP99 10.18 .00 0 20385 92 60200 49 1037.04 23SEP99 5.30 .00
0 20386 92 60200 49 100000.00 23SEP99 1 511.29 .00 0 20387 92 60200 49 82962.42 23SEP99 424.18 .00
0 20388 92 60200 49 90994.30 23SEP99 465.24 .00 0 20389 92 60200 49 3132.29 23SEP99 16.02 .00
0 20390 92 60200 49 13997.61 24SEP99 71.57 .00 0 20391 92 60200 49 1555.30 24SEP99 7.95 .00
0 20392 92 60200 49 15552.90 24SEP99 79.52 .00 0 20393 92 60200 49 10368.59 24SEP99 53.01 .00
0 20394 92 60200 49 80000.00 24SEP99 1 409.03 .00 0 20395 92 60200 49 93271.23 27SEP99 476.88 .00
0 20396 92 60200 49 93271.23 27SEP99 476.88 .00 0 20397 92 60200 49 1036.35 27SEP99 5.30 .00
0 20398 92 60200 49 10373.73 27SEP99 53.04 .00 0 20399 92 60200 49 5181.73 27SEP99 26.49 .00
0 20400 92 60200 49 25908.68 27SEP99 132.47 .00 0 20401 92 60200 49 25566.81 27SEP99 130.72 .00
0 20403 92 60200 49 1036.35 27SEP99 5.30 .00 0 20404 92 60200 49 1036.35 27SEP99 5.30 .00
0 20405 92 60200 49 51808.82 28SEP99 264.89 .00 0 20406 92 60200 49 37615.04 28SEP99 192.32 .00
0 20407 92 60200 49 10361.76 28SEP99 52.98 .00 0 20409 92 60200 49 2072.15 28SEP99 10.59 .00
0 20410 92 60200 49 3108.53 28SEP99 15.89 .00 0 20411 92 60200 49 10361.76 28SEP99 52.98 .00
0 20412 92 60200 49 2072.35 28SEP99 10.60 .00 0 20413 92 60200 49 31085.28 28SEP99 158.94 .00
0 20414 92 60200 49 10360.06 29SEP99 52.97 .00 0 20415 92 60200 49 10463.66 29SEP99 53.50 .00
0 20416 92 60200 49 1139.60 29SEP99 5.83 .00 0 20417 92 60200 49 10360.06 29SEP99 52.97 .00
0 20418 92 60200 49 1864.81 29SEP99 9.53 .00 0 20419 92 60200 49 7250.84 30SEP99 37.07 .00
0 20420 92 60200 49 7250.84 30SEP99 37.07 .00 0 20421 92 60200 49 25895.85 30SEP99 132.40 .00
0 20422 92 60200 49 82866.77 30SEP99 423.69 .00 0 20423 92 60200 49 10358.35 30SEP99 52.96 .00
0 20424 92 60200 49 61074.66 30SEP99 312.27 .00 0 20425 92 58400 49 2876.61 01OCT99 14.27 .00
0 20426 92 56100 49 1690.26 01OCT99 8.05 .00 0 20427 92 60200 49 10356.63 01OCT99 52.95 .00
0 20428 92 60200 49 77674.78 01OCT99 397.14 .00 0 20429 92 58400 49 27933.70 01OCT99 138.55 .00
0 20430 92 58400 49 13449.56 01OCT99 66.71 .00 0 20431 92 60200 49 10348.14 06OCT99 52.91 .00
0 20432 92 58400 49 41297.88 06OCT99 204.84 .00 0 20433 92 58400 49 51679.68 07OCT99 256.33 .00
0 20434 92 58400 49 54736.80 12OCT99 271.49 .00 0 20435 92 58400 49 42434.41 13OCT99 210.47 .00
0 20436 92 58400 49 5163.01 13OCT99 25.61 .00 0 20437 92 58400 49 103394.60 14OCT99 512.84 .00
0 20438 92 58400 49 5161.39 15OCT99 25.60 .00 0 20439 92 58400 49 5158.90 18OCT99 25.59 .00
0 20440 92 58400 49 3095.34 18OCT99 15.35 .00 0 20441 92 58400 49 10316.16 19OCT99 51.17 .00
0 20442 92 58400 49 3094.85 19OCT99 15.35 .00 0 20443 92 58400 49 7549.18 22OCT99 37.44 .00
0 20444 92 58400 49 2062.91 20OCT99 10.23 .00 0 20445 92 58400 49 11317.47 21OCT99 56.13 .00
0 20446 92 58400 49 20000.00 27OCT99 1 99.20 .00 0 20447 92 58400 49 20000.00 27OCT99 1 99.20 .00
0 20448 92 58400 49 20000.00 27OCT99 1 99.20 .00 0 20449 92 58400 49 20000.00 01NOV99 1 99.20 .00
0 20450 92 58400 49 102947.55 01NOV99 510.62 .00 0 20451 92 58400 49 3087.93 02NOV99 15.32 .00
0 20452 92 58400 49 15437.21 03NOV99 76.57 .00 0 20453 92 58400 49 15434.75 04NOV99 76.56 .00
0 20456 92 58400 49 5138.37 12NOV99 25.49 .00 0 20457 92 58400 49 5135.90 15NOV99 25.47 .00
0 20458 92 58400 49 32346.60 18NOV99 160.44 .00 0 20460 92 58400 49 6489.63 18NOV99 32.19 .00
0 20461 92 58400 49 22766.50 22NOV99 112.92 .00 0 20462 92 58400 49 6318.66 22NOV99 31.34 .00
0 20463 92 58400 49 11376.73 24NOV99 56.43 .00 0 20464 92 58400 49 102570.53 24NOV99 508.75 .00
0 20465 92 58400 49 22753.48 24NOV99 112.86 .00 0 20466 92 58400 49 4292.15 26NOV99 21.29 .00
0 20467 92 58400 49 36913.59 26NOV99 183.09 .00 0 20468 92 58400 49 50000.00 29NOV99 1 248.00 .00
0 20469 92 58400 49 45717.69 29NOV99 226.76 .00 0 20470 92 58400 49 11363.62 30NOV99 56.36 .00
0 20471 92 58400 49 28072.36 01DEC99 139.24 .00 0 20472 92 58400 49 11531.96 01DEC99 57.20 .00
0 20473 92 58400 49 56869.65 01DEC99 282.07 .00 0 20474 92 58400 49 112361.73 03DEC99 557.31 .00
0 20475 92 58400 49 14339.24 03DEC99 71.12 .00 0 20476 92 58400 49 43264.83 03DEC99 214.59 .00
INST 75P BRANCH 60 SEQ-TYPE 96 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 197
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 20477 92 58400 49 109001.43 06DEC99 540.65 .00 0 20479 92 58400 49 34048.56 09DEC99 168.88 .00
0 20480 92 58400 49 3069.75 09DEC99 15.23 .00 0 20481 92 58400 49 2045.20 13DEC99 10.14 .00
0 20482 92 58400 49 7667.06 15DEC99 38.03 .00 0 20483 92 58400 49 6517.65 16DEC99 32.33 .00
0 20484 92 58400 49 39862.33 16DEC99 197.72 .00 0 20485 92 58400 49 2042.39 21DEC99 10.13 .00
0 20486 92 58400 49 4085.18 21DEC99 20.26 .00 0 20487 92 58400 49 11438.88 22DEC99 56.74 .00
0 20488 92 58400 49 67984.05 28DEC99 337.20 .00 0 20489 92 58400 49 111022.72 29DEC99 550.67 .00
0 20490 92 58400 49 10199.90 29DEC99 50.59 .00 0 20491 92 58400 49 2039.33 31DEC99 10.12 .00
0 20492 92 58400 49 5095.07 04JAN00 25.27 .00 0 20493 92 58400 49 101885.16 05JAN00 505.35 .00
0 20495 92 58400 49 60773.56 10JAN00 301.44 .00 0 20496 92 58400 49 47730.08 11JAN00 236.74 .00
0 20497 92 58400 49 45553.87 11JAN00 225.95 .00 0 20499 92 58400 54549.37 14JAN00 270.56 .00
0 20500 92 60300 49 36620.20 18JAN00 187.55 .00 0 20501 92 60300 49 34101.99 18JAN00 174.65 .00
0 20502 92 58400 49 50837.08 18JAN00 252.15 .00 0 20504 92 60700 49 2144.84 24JAN00 11.06 .00
0 20510 92 60700 49 8120.33 01FEB00 41.86 .00 0 20511 92 60700 49 91486.78 03FEB00 471.65 .00
0 20512 92 60700 49 5073.53 03FEB00 26.16 .00 0 20513 92 60700 49 3041.10 09FEB00 15.68 .00
0 20514 92 63100 49 7099.69 09FEB00 38.05 .00 0 20515 92 63100 49 7099.69 09FEB00 38.05 .00
0 20516 92 63100 49 7099.69 09FEB00 38.05 .00 0 20517 92 60700 49 3391.08 10FEB00 17.48 .00
0 20518 92 60700 49 20270.60 10FEB00 104.50 .00 0 20519 92 62600 5065.44 15FEB00 26.93 .00
0 20520 92 62700 49 75970.22 16FEB00 404.56 .00 0 20522 92 60600 90943.98 28FEB00 468.07 .00
0 20523 92 60600 90943.98 28FEB00 468.07 .00 0 20525 92 65300 20211.66 03MAR00 112.09 .00
0 20526 92 65300 49 1010.58 03MAR00 5.60 .00 0 20527 92 65300 49 15000.00 08MAR00 1 83.19 .00
0 20528 92 65300 49 20000.00 08MAR00 1 110.92 .00 0 20529 92 65300 49 20000.00 08MAR00 1 110.92 .00
0 20530 92 65300 49 20000.00 08MAR00 1 110.92 .00 0 20531 92 62500 49 1008.93 10MAR00 5.36 .00
0 20532 92 65800 49 10428.06 10MAR00 58.28 .00 0 20533 92 62500 49 4245.42 13MAR00 22.54 .00
0 20534 93 65800 49 21410.39 05APR00 119.65 .00 0 20535 93 65800 49 30227.50 20MAR00 168.93 .00
0 20536 93 65800 49 30227.50 20MAR00 168.93 .00 0 20537 93 65800 49 25185.05 21MAR00 140.75 .00
0 20538 93 65800 49 20144.41 22MAR00 112.58 .00 0 20539 93 65800 49 10862.57 22MAR00 60.71 .00
0 20540 93 65800 49 20140.79 23MAR00 112.56 .00 0 20541 93 65800 49 100631.45 27MAR00 562.38 .00
0 20542 92 62500 49 3017.47 28MAR00 16.02 .00 0 20543 93 65800 49 14083.33 29MAR00 78.70 .00
0 20544 92 62500 49 2010.96 30MAR00 10.67 .00 0 20545 93 65800 49 20115.41 30MAR00 112.41 .00
0 20546 93 65800 49 26076.08 24APR00 145.73 .00 0 20547 92 66300 49 50281.60 31MAR00 283.13 .00
0 20548 92 64400 49 5023.82 04APR00 27.48 .00 0 20549 93 67700 49 25125.20 04APR00 144.47 .00
0 20552 92 66300 88 20090.82 06APR00 113.13 .00 0 20553 93 65800 49 25000.00 07APR00 1 139.71 .00
0 20554 92 66300 49 25108.99 07APR00 141.39 .00 0 20555 92 66300 49 25108.99 07APR00 141.39 .00
0 20556 92 64400 49 2007.41 10APR00 10.98 .00 0 20558 93 67700 49 108198.12 11APR00 622.12 .00
0 20559 92 66300 88 2006.54 13APR00 11.30 .00 0 20560 92 66300 88 2006.54 13APR00 11.30 .00
0 20561 93 65800 49 13694.29 13APR00 76.53 .00 0 20562 92 64400 49 10031.76 13APR00 54.87 .00
0 20563 92 64400 49 10031.76 13APR00 54.87 .00 0 20564 93 67700 49 10033.39 13APR00 57.69 .00
0 20565 92 66300 49 45138.96 14APR00 254.18 .00 0 20566 92 66300 49 100254.30 17APR00 564.53 .00
0 20567 92 64400 49 3006.88 18APR00 16.45 .00 0 20568 92 66300 49 93478.67 25APR00 526.37 .00
0 20569 93 67700 49 50046.37 26APR00 287.76 .00 0 20570 92 66300 49 120108.99 26APR00 676.33 .00
0 20571 92 66300 49 5004.54 26APR00 28.18 .00 0 20572 92 64400 49 7785.79 28APR00 42.59 .00
0 20573 92 64400 49 3001.59 28APR00 16.42 .00 0 20574 93 67700 49 10532.43 28APR00 60.56 .00
BRANCH T0TALS NBR ACCTS 1,211 CURRENT BALANCE 28,085,335.42 ANTIC INTEREST 82,956.84
INST 75P BRANCH 91 SEQ-TYPE 2 SAVINGS TRIAL BALANCE (DETAIL) 080EB APR 29, 00 PAGE 198
T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT T ACCOUNT PR INT HD CURRENT DATE PIP S ANTIC DSB/INT
I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC I NUMBER TY RATE CD BALANCE LCT DNW 7 EARN ERN/ACC
0 9797 02 48900 29 .00 24FEB93 .00 .00
AVERAGE LIFE NEW YORK 04/30/00
# ACCTS AMOUNT # DAYS
------- ----------
Type 00 1 6,747 Passbook 30
Type 01 0 0 MM Passbook 30
Type 02 25 13,022 Kids Club 30
Type 03 62 469,632 Stamford/NY Stmt Savings 30
Type 09 0 0 Stamford/Three Check a Month 30
Type 10 6 8,652 Diamond Checking 30
Type 11 58 326,214 Efficiency Checking 30
Type 12 0 0 Super Checking 30
Type 13 0 0 Mission Viejo Checking 30
Type 14 8 1,142 Senior Checking 30
Type 15 20 234,816 Business Checking 30
Type 16 459 14,301,782 Three Check a Month 30
Type 17 1 0 Home Equity LOC Checking 30
Type 18 7 12,292 Millennium Checking 30
Type 19 91 150,060 Express Checking 30
Type 20 0 0 Escondido Liquid MMA 30
Type 21 8 13,588 MM Three Check a Month 30
------- ----------
Total Transaction Accounts 746 15,537,946 55.32%
Total Term Accounts 465 12,547,389 44.68%
------- ----------
TOTAL 1,211 28,085,335
======= ==========
Average Rate Sensitivity (days) 99.499615
Average Rate Sensitivity (months) 3.3
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
--------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
Jan 413,033 108,492 26,050
Feb 471,099 20,115
Mar 70,933 153,889
Apr 807,093
May 145,453 28,285
Jun 574,085 67,836 11,122 66,335
Jul 1,151,353 46,341 50,046 38,758
Aug 2,180,487 142,555
Sep 3,124,628 165,181
Oct 686,751 78,901 97,871
Nov 556,328 38,836
Dec 979,029 4,085 242,419
--------- --------- --------- --------- --------- --------- --------- --------- --------- ---------
9,398,114 2,334,177 586,084 229,014 0 0 0 0 0 0
AVERAGE LIFE STAMFORD 4/30/00
# ACCTS AMOUNT # DAYS
------- ----------
Type 00 12 45,946 Passbook 30
Type 01 8 351,654 MM Passbook 30
Type 02 13 7,499 Kids Club 30
Type 03 167 1,785,559 Stamford/NY Stmt Savings 30
Type 09 8 163,364 Stamford/Three Check a Month 30
Type 10 6 19,225 Diamond Checking 30
Type 11 149 634,814 Efficiency Checking 30
Type 12 0 0 Super Checking 30
Type 13 0 0 Mission Viejo Checking 30
Type 14 2 2,155 Senior Checking 30
Type 15 38 622,771 Business Checking 30
Type 16 352 10,174,179 Three Check a Month 30
Type 17 2 0 Home Equity LOC Checking 30
Type 18 7 69,456 Millennium Checking 30
Type 19 103 290,204 Express Checking 30
Type 20 0 0 Escondido Liquid MMA 30
Type 21 0 0 MM Three Check a Month 30
------- ----------
Total Transaction Accounts 867 14,166,826 19.78%
Total Term Accounts 2,018 57,455,531 80.22%
------- ----------
TOTAL 2,885 71,622,357
======= ==========
Average Rate Sensitivity (days) 197.043981
Average Rate Sensitivity (months) 6.6
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
---------- ---------- --------- --------- --------- --------- --------- --------- --------- ---------
Jan 3,263,315 690,901
Feb 5,182,185 483,232
Mar 1,950,854 120,012 16,297
Apr 5,888,794 703,840 393,994
May 3,254,641 707,370 31,146 96,976
Jun 5,382,289 760,915 12,049 214,358
Jul 6,656,243 535,366 152,347 27,506
Aug 6,663,318 350,437 4,345 59,307
Sep 1,491,756 1,296,229 252,007 12,081
Oct 1,903,403 562,196
Nov 3,656,663 881,618
Dec 2,934,417 691,587 171,536
---------- ---------- --------- --------- --------- --------- --------- --------- --------- ---------
31,942,730 22,070,866 2,621,415 820,519 0 0 0 0 0 0
EXHIBIT B-1
SUMMARY
32
EXHIBIT C
CONTRACTUAL OBLIGATIONS AND
COPIES OF RELATED DOCUMENTS
There are two (2) service contracts in place both relating to the Stamford
branch.
o The ATM maintenance agreement with Diebold expires December 31, 2000
o The phone system maintenance agreement with Claircom expires
September 15, 2000.
33
================================================================================
[LOGO] claricom(TM)
Service, Quality
& Commitment
----------------
Complete Customer Care Package
================================================================================
================================================================================
Although some companies are just beginning to define the word "service",
Claricom, Inc. has built more than 50 years of our business on that word. Our
definition includes phrases like 24 hours a day, quick response and free service
consultation. The best thing about how we define the word service is that unlike
the dictionary (and some telecommunications companies we know of) we have just
one definition that satisfies us: responding to the needs of our customers in
the most efficient manner possible to quickly provide the solutions to our
customers needs. So the next time your telecommunications systems needs service,
remember to call Claricom, Inc. and find out the true meaning of the word.
Leading the industry in consistent customer satisfaction, Claricom, Inc., has
made customer support the primary areas of this business. As our customer, we
know that you have invested in Claricom Inc. products because productivity and
efficiency are important to your business. With that in mind, we design and
manufacture systems to be as trouble free as possible.
However, we also know that when you need service, you expect courteous, prompt
and helpful assistance -- at your convenience -- and, with Claricom Inc., you
can count on it.
================================================================================
[LOGO]
claricom(TM)
MAINTENANCE PROGRAM TERMS AND CONDITIONS
PARTIES AND APPLICABILITY
These Terms and Conditions apply to the Maintenance Program provided by
Claricom, Inc. ("Company") to the party named as addressee in the accompanying
Maintenance Program invoice ("Customer"). By payment of the invoice, Customer
agrees to these Terms and Conditions, which shall not be amended or supplemented
and shall supersede all others unless otherwise mutually agreed in writing.
THE PRODUCT
The selected Maintenance Program pertains to the equipment and software (the
"Product") specified and installed at the address indicated in the accompanying
enclosed invoice (the "Authorized Location"). The Maintenance Fee is calculated
based on the number of working ports (defined as working extensions, with or
without accompanying phones, plus working lines), plus any and all peripheral
equipment. Customer agrees to ensure that the Authorized Location maintains a
room temperature ranging between 30(degree) F and 80(degree) F, relative
humidity not exceeding 80% noncondensing, and a three-foot minimum clearance in
front of the equipment. Company also advises Customer to provide a dedicated
power source of 117 volts A.C. 20 amp circuit with a ground and a good earth
ground for the Product. If the Authorized Location fails to meet these
specifications, or if the Product is moved from the indicated locations without
the written consent of the Company, subject to the terms and conditions as may
be established by the Company, then the Company shall have the right to
terminate the Maintenance Program without any liability to the Customer.
TYPES OF PROGRAMS AND COVERAGES
FULL SYSTEM COVERAGE
--------------------------------------------------------------------------------
TOTAL PROTECTION PROGRAM
Regular Service
Parts and Labor coverage is provided within 24 hours, 24 hours per day, 7 days a
week, including Federal holidays. Includes line conditioner, CO line protector
and power conditioning. As long as the Total Protection Program is in effect, we
cover the system against lightning strikes and power surges and spikes. One
annual preventive maintenance checkup and remote clears, 7 days a week, 24 hours
a day, are also included.
Major Outage Service
Major Outage coverage is provided within 3 hours, 24 hours per day, 7 days a
week, including Federal holidays.
ADVANCED MAINTENANCE PROGRAM
Regular Service
Parts and Labor coverage is provided within 24 hours, only during normal working
hours (8:00 AM to 5:00 PM, Monday through Friday, local time) excluding Federal
holidays. One annual preventive maintenance checkup and remote clears, 7 days a
week, 24 hours a day, are also included.
Major Outage Service
Major Outage coverage is provided within 3 hours, 24 hours per day, 7 days a
week, excluding Federal holidays.
BASIC MAINTENANCE PROGRAM
Regular Service
Parts and Labor coverage is provided within 24 hours, only during normal working
hours (8:00 AM to 5:00 PM, Monday through Friday, local time), excluding Federal
holidays. Remote clears during normal working hours (8:00 AM to 5:00 PM Monday
through Friday, local time) included.
Major Outage Service
Major Outage coverage is provided within 3 hours only during normal working
hours (8:00 AM to 5:00 PM, Monday through Friday, local time), excluding Federal
holidays.
PARTS ONLY COVERAGE
--------------------------------------------------------------------------------
MATERIALS ONLY PROGRAM
The Materials Only Program covers only the equipment, parts and non-Lease Cost
Routing software installed by the Company for the Customer. The Materials Only
Fee is calculated based on the number of installed working ports (defined as
working extensions, with or without accompanying phones, plus working lines),
plus any and all peripheral equipment (the "Product"). Labor performed by the
Company and its subcontractors will be billed at the rate charged by the Company
for similar work performed at similar times in the same general location.
Regular Service
The Regular Service hours are normal working hours (8:00 AM to 5:00 PM, Monday
through Friday, local time), excluding Federal holidays.
Major Outage Service
Major Outage coverage is provided within 3 hours only during normal working
hours (8:00 AM to 5:00 PM, Monday through Friday, local time) excluding Federal
holidays.
CONDITIONS FOR MAJOR OUTAGE SERVICE
--------------------------------------------------------------------------------
Major Outage Service will be provided when one of the following conditions
exist:
o The central or any attached processor cannot place, receive or retrieve
calls.
o The main attendant console cannot place or receive calls
o A minimum of 20% of all data and telephone ports cannot receive or place
calls.
o A minimum of 20% of all trunks are inoperative
o The loss of an ACD group, line or recorder.
MAINTENANCE FEE/PAYMENT
Upon payment in full of this invoice as evidenced by Customer's canceled check,
Company will provide to Customer full and exclusive maintenance of the Product,
under the terms and conditions of the Maintenance Program described above and
selected by Customer, for the period noted on the front of the accompanying
invoice (the "Term").
No later than the Effective Date of the Maintenance Agreement or any renewal
thereof, Customer shall tender in cash or wire transfer, to Company the total
Maintenance Fee indicated on the invoice. In the event Customer fails to make
timely payment of the entire Maintenance Fee or Company is unable to collect the
funds tendered by Customer; then Company may terminate the Maintenance Program,
or, in its sole discretion, suspend performance until payment is received.
Company may also suspend performance under the Maintenance Program if Customer
is in default of payment under any other agreement with Company, until such
payment default is cured.
RESPONSIBILITIES OF COMPANY
Company shall perform all maintenance service and repair and furnish all labor,
materials and replacement parts necessary to keep the Product in satisfactory
working condition as described in the manufacturer's specifications and Related
Documentation for such Product based on the Software Release and Equipment
configuration purchased by Customer from Company; provided, however, that unless
the coverage selected by Customer specifically provides otherwise, or as
provided in the Responsibilities of Customer Section hereof, Company will
maintain the Product in accordance with the following standards:
(i) only manufacturer's parts or equivalent, either new or refurbished, of equal
or better quality will be used;
(ii) the manufacturer's routine preventive maintenance will be followed if
elected coverage provides for such preventive maintenance; and
(iii) all maintenance will be performed by authorized qualified personnel.
Company is responsible for maintenance of the Product only on the subscriber
side of the interface equipment connecting the Product to Customer's telephone
or other utility. Customer agrees that it shall not be entitled to set off any
amounts due to Company under the Maintenance Program against any obligations
owed to it by Company hereunder or under any other agreement.
Coverage Limits. The maintenance services provided by Company hereunder excludes
(i) replacement of any equipment that by its nature has a limited life-cycle
(i.e. batteries, headsets or similar equipment types); (ii) upgrades to the
Product that add functions or features to the Product; (iii) upgrades to support
mime and date related data; and (iv) requested time and date changes.
RESPONSIBILITIES OF CUSTOMER
Customer shall be responsible for the cost of repairs to the Product
necessitated as a result of, and Company shall have no liability attributable
to:
(i) negligence of non-Company personnel, misuse, vandalism, fire, lightning,
power surges, water or other peril, or acts of God; and
(ii) repairs, maintenance, modifications, additions, relocation or alteration of
the Product performed by anyone other than Company representatives and
subcontractors, failure of Customer to comply with requirements specified herein
or to perform recommended preventive maintenance, or services of products of
other vendors, including any telephone company.
Customer shall be responsible for providing an Authorized Location that shall
not contain any hazardous substances, including without limitation, (i) oil,
petroleum or other hydrocarbon derivatives or products; (ii) hazardous wastes;
(iii) hazardous or toxic substances or chemicals; (iv) fungicides, rodenticides
or insecticides; (v) asbestos; or (vi) urea formaldehyde and any other substance
defined as a Hazardous Substance by any applicable state, federal or local laws,
rules or regulations. Customer will indemnify, defend and hold Company harmless
against any claim, liability, fee, fine, penalty or damage arising from or
related to the presence of Hazardous Substances at the Authorized Location.
Company shall be permitted to suspend performance without penalty if its
performance could have an adverse impact on its employees or contractors' health
or safety, or would constitute a violation of any applicable law, rule or
regulation, until it receives adequate assurances from Customer satisfactory to
Company.
DELAY
Company shall not be liable for any delay of performance under the Maintenance
Program, or any damages suffered by Customer as a result of such delay, when
such delay is directly or indirectly caused by or results from any act of God or
other intervening external cause, accident, governmental laws or regulations,
labor disputes, civil disorder, transportation delays, or any other cause beyond
the reasonable control of Company.
LIMITATION OF LIABILITY
Company's sole obligation under the Maintenance Program is to maintain the
Product in good working order in accordance with the terms and conditions set
forth herein and included in the Manufacturer's specifications and Related
Documentation. NO OTHER WARRANTIES, EXPRESS OR IMPLIED, ARE MADE. NO EXPRESS OR
IMPLIED WARRANTY IS MADE AGAINST FRAUDULENT USES THAT MAY BE MADE OF THE
PRODUCT. CUSTOMER AGREES THAT COMPANY SHALL HAVE NO LIABILITY FOR DAMAGES,
INCLUDING BUT NOT LIMITED TO INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL
DAMAGES FOR FAILURE OF THE PRODUCT TO OPERATE IN GOOD WORKING ORDER FOLLOWING
PERFORMANCE OF MAINTENANCE BY COMPANY. IN THE EVENT OF SUCH OCCURRENCE,
CUSTOMER'S SOLE REMEDY WILL BE THE PROVISION OF ADDITIONAL SERVICE BY COMPANY IN
ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE SELECTED MAINTENANCE PROGRAM.
UNLESS CUSTOMER HAS PURCHASED A YEAR 2000 UPGRADE FROM COMPANY, SERVICES
RELATING TO YEAR 2000 COMPLIANCE OR FUNCTIONALITY ARE SPECIFICALLY EXCLUDED
FROM THE TERMS OF THIS AGREEMENT AND NOTHING IN THIS AGREEMENT SHALL BE
CONSTRUED TO REQUIRE COMPANY TO REPAIR, MAINTAIN, UPGRADE, REPLACE OR OTHERWISE
CORRECT ANY PRODUCT FOR THE PURPOSE OF MAKING THAT PRODUCT YEAR 2000 COMPLIANT.
NO EXPRESS OR IMPLIED WARRANTY IS MADE AGAINST INTRUSIONS INTO COMPANY'S OR
COMPANY'S VENDORS' VOICE PROCESSING SYSTEMS BY FRAUDULENT CALLERS OR AGAINST ANY
TOLL FRAUD. COMPANY MAKES NO WARRANTIES AS TO THE LAWFULNESS OF USING ANY
FEATURE OF THE PRODUCT TO MONITOR, RECORD OR FORWARD ANY ORAL, WIRE OR
ELECTRONIC COMMUNICATION. CUSTOMER AGREES TO USE THE PRODUCT IN COMPLIANCE WITH
ALL FEDERAL, STATE AND LOCAL LAWS, AND TO INDEMNIFY COMPANY AGAINST ALL CLAIMS
OR LIABILITY UNDER ANY PRIVACY, ELECTRONIC SURVEILLANCE AND SIMILAR LAWS ARISING
FROM THE USE, POSSESSION, INSTALLATION, AND SALE OF THE PRODUCT. THIS LIMITATION
OF LIABILITY SHALL APPLY, NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF
ANY LIMITED REMEDIES.
ASSIGNMENT
A Maintenance Program may not be assigned by Customer without the prior written
consent of the Company. Any attempt to assign without such consent shall be
void.
SUBCONTRACTING
To ensure the prompt and efficient performance of its obligations hereunder,
Company may subcontract any of the work to be performed by it under any
Maintenance Program.
SEVERABILITY
The invalidity or unenforceability of any provision of the Maintenance Program
shall not affect the validity or enforceability of the other provisions, and
these Terms and Conditions shall be construed in all respects as if such invalid
and unenforceable provisions were omitted. Company and Customer agree to
substitute for any invalid or unenforceable provision a valid and enforceable
provision that most closely approximates the economic effect and intent of the
invalid and unenforceable provision.
AUTOMATIC RENEWAL
The selected Maintenance Program shall be automatically renewed for additional
periods equal in duration of the Term specified in the last invoice (the
"Renewal Terms") on the terms and conditions set forth herein or as provided in
Company's Maintenance Programs Terms and Conditions mailed to Customer with an
invoice for the Renewal Term 60 days prior to any such Renewal Term, unless, at
least 30 days prior to the expiration of the Term or Renewal Term, either
Company or Customer shall have given written notice of nonrenewal and subject to
payment of the invoice by Customer for such renewal. In the event of such
automatic renewal, a Maintenance Fee for each Renewal Term shall be set by
Company in accordance with its prevailing rates for such service then in effect.
TIME AND MATERIALS
Any service performed by Company when the Maintenance Program is not in effect,
any service performed outside the hours or limits of the coverage selected by
the Customer, and any service on products not listed on the Maintenance Program
invoice will be billed in accordance with Company's prevailing labor, parts and
materials rates, with payment due and payable to the Company's authorized
representative upon satisfactory completion of the service performed.
CANCELLATION
The performance of any work on the Product by any unauthorized persons will void
the Maintenance Program without any liability to Company.
Claricom, Inc.
Maintenance Programs Department
478 Wheelers Farms Road
Milford, CT 06460
Revision Date: October 15, 1998
EXHIBIT D
OPERATING ASSETS
Original Accumulated Carrying
Cost Depreciation Value
Equipment
Stamford $82,493 $45,000 $37,493
New York 68,133 27,056 41,077
Furniture
Stamford 46,099 33,010 13,089
Computers
Stamford 125,697 105,817 19,880
New York 55,570 28,111 27,459
Leasehold Improvements
Stamford 145,473 72,050 73,423
New York 17,596 10,157 7,439
------------------------------------------------------------------------------
Total $541,061 $321,201 $219,860
Exhibit D
Detail Listing
Of
Operating Assets
La Jolla Bank
Summary of Property and Equipment
Data as of April 30, 2000
Original Accumulated Carrying
Cost Depreciation Value
Equipment
Stamford 82,493 45,000 37,493
New York 68,133 27,056 41,077
Furniture
Stamford 46,099 33,010 13,089
Computers
Stamford 125,697 105,817 19,880
New York 55,570 28,111 27,459
Leasehold
Stamford 145,473 72,050 73,423
New York 17,596 10,157 7,439
--------------------------------------------------
Total 541,061 321,201 219,860
==================================================
La Jolla Bank
Fixed Aset Detail
30-Apr-00
STAMFORD-EQUIPMENT
ASSET DATE BOOK
NUMBER DESCRIPTION ACQUIRED COST ACC DEP BASIS
720 FICHE MACHINE 19940816 3,078.92 3,078.92 0.00
729 ATM BOARD 19950531 3,110.00 3,013.69 96.31
732 INSTALL ATM COVER 19950608 222.60 215.18 7.42
733 ATM SURROUND 19950630 250.00 238.38 11.62
735 CASH TRAYS 19951023 585.12 520.40 64.72
738 TIME LAPSE VCR 19960208 1,495.00 1,234.56 260.44
741 2 DIGITAL CAMERAS 19960716 1,427.97 1,060.80 367.17
746 INSTALL 3 LENSES CCTV 19970501 595.00 578.43 16.57
748 MICROFILMER/ENDORSER 19970903 7,144.96 4,664.50 2,480.46
837 TOSHIBA 4560 COPIER 19990731 8,124.90 1,083.36 7,041.54
839 PHONE UPGRADE 19990409 3,153.50 630.70 2,522.80
870 PAPER SHREDDER BR 50 20000127 1,311.21 262.24 1,048.97
118 ATM SECURITY 19941219 1,723.00 916.51 806.49
0167 ATM Y2K UPGRADE 19990430 4,061.90 438.02 3,623.88
726 TYPEWRITER 19941222 250.00 250.00 0.00
838 PHONE UPGRADE 19990409 3,153.50 630.70 2,522.80
717 SOLUTIONS 19981130 1,248.15 554.73 693.42
718 CAMCORDER, VCR, TV 19931204 1,172.23 1,172.23 0.00
719 FAX MACHINE 19931217 773.80 773.80 0.00
721 REFRIGERATOR AND MICROW 19941001 565.99 565.99 0.00
722 COFFEE MAKER 19941001 179.99 179.99 0.00
723 VACUUM CLEANER 19941001 312.65 312.65 0.00
724 FAX MACHINE 19941122 3,058.10 3,058.10 0.00
725 WET/DRY VAC 19941128 74.19 74.19 0.00
731 PHONE 19950608 483.36 483.36 0.00
739 PITNEY BOWES MAIL MACHINE 19960404 5,755.70 4,604.59 1,151.11
740 SHREDDER 19960411 530.00 423.95 106.05
745 FAX FOR HOME PAN KX-F105 19970204 261.70 261.70 0.00
747 ADD ONE PHONE UNIT 19970811 1,715.82 915.18 800.64
749 IBM SELECTRIC TYPEWRITER 19971222 371.00 166.90 204.10
750 2ND FLOOR FAX MACHINE 19971223 2,427.40 1,092.26 1,335.14
757 TOSHIBA COPIER 19980604 9,883.44 3,623.89 6,259.55
0112 INSTALL ALARM SYSTEM 19941001 10,031.88 5,517.59 4,514.29
0113 ALARM SYSTEM 19941001 3,460.90 1,903.45 1,557.45
0114 SECURITY ANNUAL SC 19941001 500.00 500.00 0.00
82,493.88 45,000.94 37,492.94
La Jolla Bank
Fixed Aset Detail
30-Apr-00
NEW YORK-EQUIPMENT
ASSET DATE BOOK
NUMBER DESCRIPTION ACQUIRED COST ACC DEP BASIS
744 NYNEX INSTALL PHONE 19970203 407.31 407.31 0.00
163 SECURITY SYSTEM 19970701 3,000.00 1,511.55 1,488.45
789 VAULT 19970716 12,443.34 3,044.43 9,398.91
790 PHONE SYSTEM 19970801 3,037.85 743.30 2,294.55
0164 INSTALL PHONE LINES 19970923 1,072.86 523.66 549.20
793 PHOTOCOPIER 19971028 6,725.57 3,250.64 3,474.93
796 FAX MACHINE 19971121 2,732.80 1,308.47 1,424.33
797 MICROFILMER 19971201 11,401.17 6,374.75 5,026.42
803 SECURITY SYSTEM 19980129 9,773.00 4,355.35 5,417.65
804 TELEPHONE SYSTEM 19980204 7,083.04 1,534.73 5,548.31
805 SECURITY SYSTEM 19980218 4,313.76 1,850.98 2,462.78
807 TRISTATE DIGITAL CAMERA 19980402 399.45 266.33 133.12
799 2 TIMELOCK MOVEMENTS VAU 19971222 2,043.11 944.36 1,098.75
809 DIGITAL CAMERA 19981007 264.95 132.48 132.47
811 BATTERY MEMORY 19981008 652.19 326.12 326.07
812 MICROWAREHOUSE 19981130 159.90 71.06 88.84
826 CASH COUNTER 19990611 1,033.27 172.20 861.07
833 TELLER CASH BOXES 19990715 1,590.00 238.50 1,351.50
68,133.57 27,056.22 41,077.35
La Jolla Bank
Fixed Aset Detail
30-Apr-00
STAMFORD-FURNITURE
ASSET DATE BOOK
NUMBER DESCRIPTION ACQUIRED COST ACC DEP BASIS
755 LOBBY PORTABLE POSTS 19980213 498.68 216.08 282.60
785 EXEC WORK STATION 19970714 1,213.60 667.48 546.12
786 TELLER STOOLS 19970721 369.78 201.48 168.30
822 CASH COUNTER 19990611 1,011.07 168.50 842.57
777 MORTGAGE CABINETS 19950531 2,158.87 1,508.48 650.39
778 MORTGAGE FILES 19950608 2,003.64 1,383.41 620.23
673 COMPUTER STAND 19941104 295.84 295.84 0.00
675 COMPUTER STAND 19941121 351.06 351.06 0.00
676 COMPUTER STAND 19941222 102.72 102.72 0.00
677 COMPUTER RAM 19941205 572.19 572.19 0.00
678 MODEM LINE 19941209 111.30 111.30 0.00
680 COMPUTER STAND 19950113 320.52 320.52 0.00
682 PRINTER STANDS 19950125 342.48 342.48 0.00
727 NOBODY BEATS THE WIZ 19941230 149.95 149.95 0.00
728 PRINTER STANDS 19950113 147.79 147.79 0.00
730 LETTERBOARD 19950601 299.64 299.64 0.00
734 PRCST ASH/TRASH 19950706 415.73 395.00 20.73
736 WORK CENTER 19960213 286.84 239.02 47.82
737 TELECONFERENCE 19960222 1,007.35 830.72 176.63
743 2 SIGN BANNERS WITH LOGO 19970124 614.80 614.80 0.00
751 LATERAL FILES 19980112 428.26 192.74 235.52
752 EXTENSIONS 19980205 634.02 274.78 359.24
753 5 DRAWER FILE 19980209 537.00 232.70 304.30
754 SHR LEVOLOR WOOD BLINDS 19980209 583.00 252.68 330.32
756 FILES OP DEPT 19980507 1,382.24 529.89 852.35
759 JR OFFICE 19941101 2,780.38 2,151.50 628.88
760 OFFICE 19941101 2,780.38 2,151.50 628.88
761 CABINETS 19941101 976.26 755.39 220.87
762 SITTING AREA 19941101 2,552.48 1,975.24 577.24
763 FREIGHT SHIPPING AND HANDLING 19941101 535.30 414.15 121.15
764 KFI 19941107 577.70 447.10 130.60
765 CHAIR 19941121 296.79 296.79 0.00
766 CENTRE ISLE 19941123 742.00 570.73 171.27
767 50% DOWN PAYMENT 19941123 293.00 293.00 0.00
768 PROD FELT BOARD 19941222 427.39 427.39 0.00
769 BIBER CONTRACT 19941229 4,000.00 3,592.35 407.65
770 BIBER CONTRACT 19950106 328.16 246.22 81.94
771 OFFICE FURNITURE 19950111 2,288.54 1,716.25 572.29
772 GLASS AND MIRROR 19950125 320.12 320.12 0.00
773 BIBER CONTRACT 19950125 1,460.59 1,089.37 371.22
774 BOOK SHELF 19950206 158.25 158.25 0.00
775 OFFICE FURNITURE 19950504 500.00 351.06 148.94
776 OFFICE FURNITURE 19950508 749.74 526.75 222.99
779 LATERAL FILE 19950628 569.50 391.19 178.31
780 2 DESKS, CHAIR, CREDENZA 19960326 1,447.96 1,158.32 289.64
781 2 3-DRAWER LATERAL FILES 19960603 659.22 505.43 153.79
782 4-DRAWER FILE 19960703 323.37 242.55 80.82
783 CONFERENCE TABLE 19961011 449.44 314.77 134.67
784 FILE CABINET/ CHAIR 19970121 366.44 236.09 130.35
787 DESK/CHAIRS 19970922 1,500.00 767.89 732.11
788 DESK 19971217 1,234.80 570.74 664.06
794 COIN TRAYS 19971028 975.78 471.57 504.21
792 KITCHEN APPLS 19971028 966.67 467.20 499.47
46,098.63 33,010.16 13,088.47
La Jolla Bank
Fixed Asset Detail
30-Apr-00
STAMFORD-COMPUTERS
ASSET DATE CARRYING
NUMBER DESCRIPTION ACQUIRED COST ACC DEP VALUE
670 COMPUTER FOR SAVINGS 19941014 1,452.20 1,452.20 0.00
679 COMPUTER 19941230 1,600.60 1,600.60 0.00
681 PRINTER 19950115 2,151.68 2,151.68 0.00
691 SEMIDEY TELLER SYS 19960404 26,953.86 20,215.38 6,738.48
692 TELLER SYS SOFTWARE 19960426 10,687.00 7,908.48 2,778.52
699 VANGARD 300 19970204 3,035.36 3,035.36 0.00
702 INTERNAL X2 MODEM 19970507 210.94 205.10 5.84
667 COMPUTER, PRINTER LOANS 19930531 3,068.70 3,068.70 0.00
687 COMPUTER 19951026 1,620.00 1,620.00 0.00
694 POINT FOR WINDOWS 19960520 908.00 704.26 203.74
698 COMPUTER 19961219 3,970.34 3,970.34 0.00
714 HP LASERJET PRINTER 19980520 1,983.79 1,212.36 771.43
0106 CABLE FOR BMS 19990116 920.00 122.66 797.34
665 COMPUTER, PRINTER 19931216 3,996.20 3,996.20 0.00
666 QUATTRO PRO 19931216 254.45 254.45 0.00
668 COMPUTER, PRINTER ACCTG 19940919 1,764.90 1,764.90 0.00
669 MODEM FOR COMPUTER 19940919 153.90 153.90 0.00
671 FAX MODEM ADMIN 19941104 174.90 174.90 0.00
672 FAX MODEM LINE 19941104 111.30 111.30 0.00
674 COMPUTER 19941121 675.00 675.00 0.00
683 CD ROM 19950322 434.60 434.60 0.00
684 1 MEG SIMM 19950530 296.80 296.80 0.00
685 COLOR MONITOR 19950914 296.80 296.80 0.00
686 TAPE BACKUP 19950914 560.00 560.00 0.00
688 2 COMPUTERS 19960221 3,490.00 2,868.93 621.07
689 2 LAPTOP COMPUTERS 19960415 3,905.98 3,905.98 0.00
690 A P SYSTEM 19960418 720.00 720.00 0.00
693 INSTALL LAN TRAIN 19960513 461.10 341.34 119.76
695 LAN SET UP COSTS 19960710 1,298.50 1,298.50 0.00
696 SYNON BRANCH AUTOMATIO 19960924 18,179.50 16,828.31 1,351.19
697 HARDWARE/SOFTWARE 19961024 466.80 323.75 143.05
700 COMPUTER 19970227 921.14 921.14 0.00
701 COM CARD LAN GATEWAY 19970312 2,265.70 2,265.70 0.00
703 CONVERSION PLUS 19970528 328.39 310.19 18.20
704 LAPTOP COMPUTER 19970613 2,090.99 1,974.84 116.15
705 OFFICE 97 WINDOWS 95 19970829 2,187.17 1,883.37 303.80
706 LAPTOP COMPUTER 19970929 2,633.48 2,218.93 414.55
707 PC HARDWARE UPGRADE 19971006 3,345.00 2,725.59 619.41
708 GATEWAY SOFTWARE 19971222 3,031.55 2,309.72 721.83
709 25 GATEWAY AND APP UPGR 19980114 625.00 468.74 156.26
710 EXCEL 19980114 455.62 341.73 113.89
711 COMPUTER 19980102 2,491.95 1,868.95 623.00
712 COMPUTER 19980212 3,844.16 2,776.32 1,067.84
713 DUFRANE SOFTWARE 19980311 3,345.04 2,322.96 1,022.08
716 COMPUTER 19981020 2,011.03 949.64 1,061.39
742 HP DESKJET PRINTER 19970114 317.98 206.69 111.29
125,697.40 105,817.29 l9,880.11
La Jolla Bank
Fixed Asset Detail
30-Apr-00
NEW YORK-COMPUTERS
ASSET DATE CARRYING
NUMBER DESCRIPTION ACQUIRED COST ACC DEP VALUE
795 LAN 19971028 2,017.00 974.95 1,042.05
791 TELLER SYSTEM 19971121 45,018.84 22,959.68 22,059.16
798 LASERJET 4000N 19971217 1,543.71 712.66 831.05
800 MARINER 33.6 DATA/FAX/LAN 19971223 1,987.40 918.59 1,068.81
801 VANGUARD 320 W/DSU 19980112 510.00 229.50 280.50
802 INSTALL TELLER SYSTEM 19980114 1,375.00 618.80 756.20
806 EXCEL, WIN 95, OFF 97 19980413 455.62 303.77 151.85
715 NETWORK SOFTWARE 19980813 1,114.95 619.41 495.54
808 LAPTOP 19981005 1,272.19 636.10 636.09
810 CD ROM 19981007 275.49 137.73 137.76
55,570.20 28,111.19 27,459.01
La Jolla Bank
Fixed Asset Detail
30-Apr-00
STAMFORD - LEASEHOLD
ASSET DATE BOOK
NUMBER DESCRIPTION ACQUIRE COST ACC DEP BASIS
871 CT SIGNAGE 20000229 4,478.50 895.70 3,582.80
0105 CABLE FOR BMS 19990116 920.00 122.66 797.34
0111 VAULT FLOOR REPAIR 19941001 500.00 500.00 0.00
178 SIGNAGE 19990922 1,485.57 183.78 1,301.79
0181 BR 50 COUNTER REMODEL 19991201 28,630.98 1,080.40 27,550.58
758 LOBBY FLOOR 19941101 8,732.28 6,757.27 1,975.01
0108 ADDITIONAL PARKING 19941020 404.62 404.62 0.00
0109 GENERAL CLEAN UP 19940930 1,173.10 1,173.10 0.00
0110 GENERAL CLEAN UP 19940930 940.01 940.01 0.00
0115 ELECTRICAL WORK 19941104 1,663.32 900.91 762.41
0116 LOCKS 19941205 722.17 722.17 0.00
0117 FIDALEO & SONS 19941207 500.00 266.79 233.21
0119 ADT INSTALLATION 19941222 358.48 356.48 0.00
0120 SANTA FUEL 19941230 346.05 348.05 0.00
0121 MILLARD ASSOC 19941230 3,000.00 1,595.66 1404.34
0122 DOORS 19950125 1,630.28 853.75 776.53
0123 MORSE MOVING 19950206 612.48 612.48 0.00
0124 BANK LOCK SERV1CES 19950206 297.86 297.86 0.00
0125 TEMCO BUILING MAINT 19950214 821.50 821.50 0.00
0126 JOSEPH ARGENTINE 19950214 438.00 438.00 0.00
0127 SANTA FUEL 19950220 858.71 858.71 0.00
0128 UNITED ELECTRICAL CONT 19950224 1,964.22 1,009.65 954.57
0129 ACTIV-AD SIGNS 19940224 2,325.37 1,875.15 450.22
0130 MILLARD ASSOC 19950224 892.32 459.94 432.38
0131 WINDOW 19950424 1,116.18 556.45 559.73
0132 OUTSIDE LIGHTS 19950530 584.50 547.03 17.47
0133 RAIL HANDICAP RAMP 19950609 850.00 410.75 439.25
0134 OUTLETS FOR ALARM 19950623 695.00 334.97 360.03
0135 17 TELEPHONE DROPS 19950623 3,130.00 1,508.55 1,621.45
0136 ACTIV-ADS SIGNS 19950630 3,575.00 3,408.12 166.88
0137 EXPAND PARKING 19950630 255.80 123.19 132.61
0138 EXPAND PARKING 19950630 1,980.00 954.36 1,025.64
0139 DOOR BELL 19950724 331.48 310.69 20.77
0140 PARKING LOT EXTENSION 19951013 450.00 202.50 247.50
0141 PARKING LOT EXTENSION 19951013 5,300.00 2,385.15 2,914.85
0142 PARKING LOT EXTENSION 19951109 2,787.80 2,787.80 0.00
0143 PARKING LOT EXTENSION 19951204 1,349.53 1,349.53 0.00
0144 LAN COMPUTER CABLE 19960507 2,912.00 2,281.03 630.97
0145 RESEAL PARKING LOT 19961004 1,683.42 1,683.42 0.00
0146 DUAL FAN COIL TWO SOUTH 19961023 6,731.00 4,668.22 2,062.78
0147 REPLACE RECESSED LIGHTS 19961105 3,894.91 2,661.60 1,233.31
0148 2 50-WATT HALIDE FIXTURES 19970203 996.32 996.32 0.00
0149 2ND FLOOR CIRCUITS 19970609 3,536.00 2,003.73 1,532.27
0150 ROBERT FELSON ARCHITECH 19970609 1,840.00 1,042.77 797.23
0151 ACCOUSTICAL PANEL 19970707 993.56 546.48 447.08
0152 INSTALL BRONZE TEMPER 19970708 1,191.44 655.37 536.07
0153 2ND FLOOR RENOVATIONS 19970807 4,187.00 2,233.06 1,953.94
0154 2ND FLOOR RECESSED LIGHTS 19970827 1,536.58 812.05 724.53
0155 2ND FLOOR PARTITIONS 19970904 2.470,50 1,276.47 1,194.03
0156 2ND FLOOR CARPET 19971015 12,926.70 6,483.40 6,463.30
0157 2ND FLOOR PARTITIONS 19971015 2,437.10 1,218.59 1,218.51
0158 PHONE LINE 19971023 661.47 327.60 333.87
0159 ACOUSTICAL PANELS 19971101 3,277.71 1,912.26 1,365.45
0160 ACOUSTICAL PANELS 19971113 3,774.35 1,824.30 1,950.05
0161 DATA LINES 19980128 1,640.63 731.22 909.41
0162 KITCHEN REMODEL 19990131 2,702.88 360.38 2,342.50
145,472.66 72,050.00 73,422.66
La Jolla Bank
Fixed Asset Detail
30-Apr-00
NEW YORK - LEASEHOLD
ASSET DATE BOOK
NUMBER DESCRIPTION ACQUIRED COST ACC DEP BASIS
0165 LUNCH ROOM CABINETS 19971028 2,489.75 1,203.41 1,286.34
0166 CELLAR LIGHTING SIGN 19971117 2,748.79 1,316.04 1,432.75
0170 BREAKROOM REMODEL 19990401 3,061.28 2,240.85 820.43
0171 BREAKROOM REMODEL 19990401 3,061.28 2,240.85 820.43
0174 AWNING 19990611 4,749.84 2,562.28 2,187.56
0177 SIGNAGE 19990922 1,485.57 594.24 891.33
17,596.51 10,157.67 7,438.84
EXHIBIT E
IDENTIFICATION OF ACCOUNT LOANS
35
INST 75P BRANCH 50 TYPE 61 LINE OF CREDIT TRIAL BALANCE 330AN APR 29, 00 PAGE 23
ACCOUNT CHECKING LINE/CRED PAYMT PERIOD DATE PRINCIPAL FIN CHARGE CYCLE LOC BASE MAXIMUM AVAIL
NUMBER BALANCE BALANCE DUE DTE END DTE L.F.C. DUE DUE CODE CYCLE INT RTE LINE/CRED LINE/CRED
------------------------------------------------------------------------------------------------------------------------------------
CHECKING ACCT NO ACCOUNT HOLDER NAME ANTIC F/C CGS PD YTD HOLD CODES AC ST FLOAT LOC
1413 188.93 79.31- 25MAY00 30APR00 29APR00 19.97 5.03 20 20 13.7500 1,000.00 920.69
50-15- 1413 RUSS HOLLANDER 0.87 14.53 00 00 00 00 00 0.00
10327 516.01 602.22- 09MAY00 14APR00 28APR00 27.78 2.22 05 05 18.0000 1,000.00 397.78
50-15- 10327 FRANKLIN A CORNELIO 8.28 0.00 00 00 00 00 00 0.00
401342 0.00 0.00 25SEP99 30APR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00
50-15- 401342 KAM ROSS PROERTIES INC 0.00 0.00 00 00 00 00 00 0.00
401563 0.00 0.00 25APR00 30APR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00
50-15- 401563 WHLELRP INC DBA 0.00 74.16 00 00 00 00 00 0.00
800933 23,444.08 277.75- 25APR00 3OAPR00 29APR00 43.55 6.45 20 20 13.7500 500.00 222.25
50-15- 800933 NICHOLAS FORTUNATO 3.17 11.43 00 00 00 00 00 0.00
801204 0.00 0.00 27JAN99 3OAPR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00
50-15- 801204 ROBERT WACH 0.00 0.00 00 00 00 00 00 0.00
802952 0.00 0.00 25FEB99 30APR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00
50-15- 802952 LINDA MIHALEY 0.00 0.00 00 00 00 00 00 0.00
804106 4,121.05 0.00 25FEB00 30APR0O 29APR00 0.00 0.00 20 20 13.7500 500.00 500.00
50-15- 504106 LANCE M TIBBETTS 0.00 7.47 00 00 00 00 00 0.00
807504 1,558.44 0.00 25OCT99 30APR00 29APR00 0.00 0.00 20 20 13.7500 500.00 500.00
50-15- 807504 LINDA BLODGETT TRECO 0.00 0.00 00 00 00 00 00 0.00
807644 3,047.77 0.00 25APR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00
50-15- 807644 STEVEN J YOUNES 0.00 3.21 00 00 00 00 00 0.00
808012 1.72 405.09- 25APR00 30APR00 29APR00 40.71 9.29 20 20 13.7500 500.00 94.91
50-15- 808012 SANDRA E MIMBS 4.62 15.56 00 00 00 00 00 0.00
808101 0.00 0.00 25AUG99 30APR00 29APR00 0.00 0.00 20 20 13.7500 0.00 0.00
50-15- 808101 STEVEN MALEH 0.00 0.00 00 00 00 00 00 0.00
808578 3,306.18 1,612.36- 0000000 25JAN99 31DEC99 0.00 0.00 20 00 13.7500 2,000.00 387.64
50-15- 808578 PHILLIPS G TERHUNE 4.18 0.00 00 00 00 00 11 0.00
INST 75P BRANCH 50 TYPE 61 LINE OF CREDIT TRIAL BALANCE 330AN APR 29, 00 PAGE 24
ACCOUNT CHECKING LINE/CRED PAYMT PERIOD DATE PRINCIPAL FIN CHARGE CYCLE LOC BASE MAXIMUM AVAIL
NUMBER BALANCE BALANCE DUE DTE END DTE L.F.C. DUE DUE CODE CYCLE INT RTE LINE/CRED LINE/CRED
------------------------------------------------------------------------------------------------------------------------------------
CHECKING ACCT NO ACCOUNT HOLDER NAME ANTIC F/C CGS PD YTD HOLD CODES AC ST FLOAT LOC
TYPE 61 TOTALS NUMBER OF ACCOUNTS 13 NUMBER OF ACTIVE ACCOUNTS 5
LINE/CREDIT BALANCE 2,976.73-
PRINCIPAL DUE 132.01
FINANCE CHARGES DUE 22.99
TOTAL AMOUNT DUE 155.00
MAXIMUM LINE/CRED 6,500.00
AVAILABLE LINE/CRED 3,523.27
FLOAT LINE/CRED 0.00
ANTIC FINANCE CHGS 21.12
CHARGES PAID Y/T/D 126.36
BRANCH 50 TOTALS NUMBER OF ACCOUNTS 13 NUMBER OF ACTIVE ACCOUNTS 5
LINE/CREDIT BALANCE 2,976.73-
PRINCIPAL DUE 132.01
FINANCE CHARGES DUE 22.99
TOTAL DUE AMOUNT 155.00
MAXIMUM LINE/CRED 6,500.00
AVAILABLE LINE/CRED 3,523.27
FLOAT LINE/CRED 0.00
ANTIC FINANCE CHGS 21.12
CHARGES PAID Y/T/D 126.36
INST 75P BRANCH 60 TYPE 61 LINE OF CREDIT TRIAL BALANCE 330AN APR 29, 00 PAGE 25
ACCOUNT CHECKING LINE/CRED PAYMT PERIOD DATE PRINCIPAL FIN CHARGE CYCLE LOC BASE MAXIMUM AVAIL
NUMBER BALANCE BALANCE DUE DTE END DTE L.F.C. DUE DUE CODE CYCLE INT RTE LINE/CRED LINE/CRED
------------------------------------------------------------------------------------------------------------------------------------
CHECKING ACCT NO ACCOUNT HOLDER NAME ANTIC F/C CGS PD YTD HOLD CODES AC ST FLOAT LOC
10106 1,353.15 500.00- 02MAY00 07APR00 28APR00 23.87 1.13 01 01 18.0000 500.00 0.00
60-16- 10106 PEDRO CORCEICAO 5.81 0.00 00 00 00 00 00 0.00
10210 54,812.78 0.00 19JAN00 07APR00 29APR00 0.00 0.00 01 01 18.0000 2,500.00 2,500.00
60-16- 10210 ERNEST PARK 0.00 0.00 00 00 00 00 00 0.00
10212 6,113.73 0.00 10MAR00 07APR00 29APR00 0.00 0.00 01 01 18.0000 2,500.00 2,500.00
60-16- 10212 ERNEST S. TESSARO 0.00 0.00 00 00 00 00 00 0.00
10248 1,866.85 305.23- 11APR00 21APR00 25APR00 44.77 5.23 10 10 18.0000 500.00 194.77
60-16- 10248 HELENID ROMAN 4.14 0.00 00 00 00 00 00 0.00
10280 103,642.22 0.00 02MAR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 2,500.00 2,500.00
60-16- 10210 THERESE ANGREES 0.00 0.00 00 00 00 00 00 0.00
10297 4,144.65 0.00 24MAR00 30APR09 29APR00 0.00 0.00 20 20 18.0000 1,000.00 1,000.00
60-16- 10297 SEYMOUR WEISS 0.00 0.00 00 00 00 00 00 0.00
10340 2,021.24 0.00 03MAR00 21APR00 29APR00 0.00 0.00 10 10 18.0000 2,500.00 2,500.00
60-16- 10340 SERAFINA G D'AMATO OR 0.00 0.00 00 00 00 00 00 0.00
10364 24,146.15 0.00 24FEB00 28APR00 29APR00 0.00 0.00 15 15 18.0000 2,500.00 2,500.00
60-16- 10364 ANNA S CHERNAK 0.00 0.00 00 00 00 00 00 0.00
10399 197.18 0.00 03MAR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00
60-16- 10399 LINDA ROTHSCHILD 0.00 0.00 00 00 00 00 00 0.00
10472 1,534.94 0.00 02MAR00 28APR00 29APR00 0.00 0.00 15 15 18.0000 1,000.00 1,000.00
60-16- 10472 MICHAEL T. HODGSON 0.00 0.00 00 00 00 00 00 0.00
10474 7,369.02 0.00 19JAN00 28APR00 29APR00 0.00 0.00 15 15 18.0000 2,500.00 2,500.00
60-16- 10474 ERNEST PARK 0.00 0.00 00 00 00 00 00 0.00
10481 6,815.39 0.00 18APR00 21APR00 29APR00 0.00 0.00 10 10 18.0000 2,500.00 2,500.00
60-16- 10481 SUZANNE STERN OR 0.00 0.00 00 00 00 00 00 0.00
10501 1,424.26 0.00 19APR00 18APR00 29APR80 0.00 0.00 01 01 18.0000 2,500.00 2,500.00
60-16- 10501 SUZANNE STERN 0.00 0.00 00 00 00 00 00 0.00
10513 2,102.97 0.00 09FEB00 07APR00 29APR00 0.00 0.00 01 01 18.0000 2,500.00 2,500.00
60-16- 10513 ALEXANDER LARYS 0.00 0.00 00 00 00 00 00 0.00
10544 2,187.47 0.00 03MAR00 07APR00 29APR00 0.00 0.00 01 01 18.0000 2,500.00 2,500.00
60-16- 10544 PHILIP J. D'ALLESANDRO 0.00 0.00 00 00 00 00 00 0.00
10545 151.04 0.00 O2MAR00 21APR00 29APR00 0.00 0.00 10 10 18.0000 2,500.00 2,500.00
60-16- 10545 KELVIN S BERKOWITZ 0.00 0.00 00 00 00 00 00 0.00
10599 945.70 0.00 19APR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00
60-16- 10599 LOUIS A ALCALA 0.00 0.00 00 00 00 00 00 0.00
INST 75P BRANCH 50 TYPE 61 LINE OF CREDIT TRIAL BALANCE 330AN APR 29, 00 PAGE 26
ACCOUNT CHECKING LINE/CRED PAYMT PERIOD DATE PRINCIPAL FIN CHARGE CYCLE LOC BASE MAXIMUM AVAIL
NUMBER BALANCE BALANCE DUE DTE END DTE L.F.C. DUE DUE CODE CYCLE INT RTE LINE/CRED LINE/CRED
------------------------------------------------------------------------------------------------------------------------------------
CHECKING ACCT NO ACCOUNT HOLDER NAME ANTIC F/C CGS PD YTD HOLD CODES AC ST FLOAT LOC
30002 683.49 0.00 14MAR00 07APR00 29APR00 0.00 0.00 01 01 18.0000 500.00 500.00
60-26- 30002 BERNARD BIRUNGI 0.00 0.00 00 00 00 00 00 0.00
600074 477.10 0.00 25APR00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00
60-26- 600074 FELICIA RODRIGUEZ 0.00 0.00 00 00 00 00 00 0.00
900859 1,056.44 0.00 29FEB00 30APR00 29APR00 0.00 0.00 20 20 18.0000 500.00 500.00
60-16- 900859 CRISHNA N STARK 0.00 0.00 00 00 00 00 00 0.00
TYPE 61 TOTALS NUMBER OF ACCOUNTS 20 NUMBER OF ACTIVE ACCOUNTS 2
LINE/CREDIT BALANCE 805.23-
PRINCIPAL DUE 68.64
FINANCE CHARGES DUE 6.36
TOTAL DUE AMOUNT 75.00
MAXIMUM LINE/CRED 33,000.00
AVAILABLE LINE/CRED 32,194.77
FLOAT LINE/CRED 0.00
ANTIC FINANCE CHGS 9.95
CHARGES PAID Y/T/D 0.00
BRANCH 60 TOTALS NUMBER OF ACCOUNTS 20 NUMBER OF ACTIVE ACCOUNTS 2
LINE/CREDIT BALANCE 805.23-
PRINCIPAL DUE 68.64
FINANCE CHARGES OWE 6.36
TOTAL DUE AMOUNT 75.00
MAXIMUM LINE/CRED 33,000.00
AVAILABLE LINE/CRED 32,194.77
FLOAT LINE/CRED 0.00
ANTIC FINANCE CHGS 9.95
CHARGES PAID Y/T/D 0.00
EXHIBIT F
BILL OF SALE AND ASSIGNMENT OF ASSETS
THIS BILL OF SALE AND ASSIGNMENT OF ASSETS ("Bill of Sale") is made as of
the ____ day of _________, 2000 by La Jolla Bank, a federally chartered savings
association ("Seller").
WHEREAS, Seller, and Union State Bank, a New York State Banking
Association ("Buyer"), entered into an Asset Purchase and Account Assumption
Agreement, dated April ___, 2000 ("Purchase Agreement"), which, among other
things, provides that Buyer will purchase from Seller and Seller will sell,
assign and transfer to Buyer all of Seller's right, title and interest in and to
the Operating Assets and the Account Loans (unless otherwise indicated,
capitalized terms used herein shall have the same meaning as defined in the
Purchase Agreement), each as more particularly set forth in the Purchase
Agreement; and
NOW, THEREFORE, and in consideration of the payment by Buyer pursuant to
the terms of the Purchase Agreement of the purchase price for the Operating
Assets, the receipt and sufficiency of which are hereby acknowledged, and in
further consideration of the mutual covenants and agreements contained in the
Purchase Agreement and pursuant to the terms thereof, Seller does hereby sell,
assign, transfer, convey and deliver to Buyer all of Seller's right, title and
interest in and to the Operating Assets (all as more fully described in Exhibit
A hereto, which is incorporated by reference thereto and made a part hereof);
Buyer acknowledges the receipt of all documents, instruments and
agreements pertaining to the Operating Assets. Seller hereby agrees, from and
after the date hereof upon the reasonable request of Buyer, to execute such
other documents or instruments in order to obtain the full benefit
36
of this Bill of Sale. An updated and finalized Exhibit A shall be attached
hereto on the Closing Date.
Nothing in this Bill of Sale, express or implied, is intended or shall be
construed to confer upon any person or entity other than Buyer any remedy or
claim, and all the terms and conditions of this instrument shall be for the sole
and exclusive benefit of Buyer and its successors and assigns.
La Jolla Bank
Attest: By:
------------------------------- ----------------------------------
Assistant Secretary Rick F. Hall, President
UNION STATE BANK
Attest: By:
------------------------------- ----------------------------------
Assistant Secretary Thomas E. Hales, President and
Chief Executive Officer
37
EXHIBIT G
ASSIGNMENT AND ASSUMPTION AGREEMENT
THIS ASSIGNMENT AND ASSUMPTION AGREEMENT ("Agreement") is made this _____
day of _________, 2000 by and between Union State Bank, a New York State Banking
Association ("Buyer"), and La Jolla Bank, a Federally Chartered Savings
Association ("Seller"),
WITNESSETH:
WHEREAS, Seller and Buyer have entered into the Asset Purchase and Account
Assumption Agreement dated ___________, 2000, (the "Purchase Agreement"), which,
among other things, provides for (i) the sale, transfer, assignment, and
conveyance to Buyer of certain of the assets owned by Seller and used in
connection with the operation and maintenance of certain branch offices of
Seller as set forth in Exhibit A to the Purchase Agreement (the "Branch
Offices"), (ii) the assignment by Seller of the Liabilities (unless otherwise
indicated, all capitalized terms as used herein shall have the same meanings as
set forth in the Purchase Agreement) to Buyer and the assumption of payment by
Buyer of all liability of Seller existing on the Closing Date for the
Liabilities, and (iii) the assignment to and assumption by Buyer of certain
other contractual obligations.
NOW, THEREFORE, in consideration of the premises and in accordance with
the terms and conditions of the Purchase Agreement and for other good and
valuable consideration, the adequacy and receipt of which are hereby
acknowledged, Seller and Buyer agree as follows.
1. Seller hereby assigns to Buyer and Buyer hereby assumes from Seller and
agrees to discharge and pay, that portion of the liabilities and obligations of
Seller set forth in this Section I which are to be performed after the date
hereof:
(a) All Liabilities of Seller set forth on Exhibit A hereto; and
38
(b) The contractual obligations set forth on Exhibit B hereto.
2. Other than as set forth in Section 1 of this Agreement, Buyer is not
assuming and shall not be responsible, or deemed to be responsible, for paying
or discharging any other liability or obligation of Seller.
3. Seller and Buyer agree to execute such further agreements and documents
as may be necessary or appropriate to effectuate the purposes of this Agreement.
4. This Agreement shall be binding upon and shall inure to the benefit of
the parties hereto and their respective successors and permissible assigns. This
Agreement she be governed by and construed in accordance with the laws of the
State of New York.
IN WITNESS WHEREOF, Seller and Buyer have executed this Agreement as of
the day and year first written above.
La Jolla Bank
Attest: By:
------------------------------- ----------------------------------
Assistant Secretary Rick F. Hall, President
UNION STATE BANK
Attest: By:
------------------------------- ----------------------------------
Assistant Secretary Thomas E. Hales, President and
Chief Executive Officer
39
EXHIBIT H
COPIES OF LEASES FOR
THE RESPECTIVE BRANCH OFFICES
40
LEASE
AGREEMENT OF LEASE, made as of ___________, 2000, between FRANK R. WARREN
AND JOANNE C. WARREN, TRUSTEES OF THE FRANK R. WARREN AND JOANNE C. WARREN
REVOCABLE TRUST UDT AUGUST 2, 1985, (hereinafter the "Landlord") having an
office at Warren Properties, Box 469114, Escondido, California 92046-9114 and
UNION STATE BANK, having its principal place of business located at 100 Dutch
Hill Road, Orangeburg, New York 10961 (hereinafter the "Tenant")
ARTICLE 1
Definitions
1. 1.01 The following terms shall have the meanings set forth opposite each
of them:
"Access" Tenant shall have unrestricted and
unimpeded entry to the Demised
Premises and Tenant shall have
access to the Demised Premises 24
hours per day, 7 days per week.
"Building": The Building erected on the Real
Property and located at 999 Bedford
Street, City of Stamford, State of
Connecticut.
"Commencement Date" Such date as the Landlord shall
deliver possession of the Demised
Premises to Tenant and all
regulatory approvals for a Banking
branch have been obtained.
"Demised Premises" The Building consisting of _________
square feet and the Real Property
upon which the Building stands.
"Expiration Date" ____________________, 2005 or ending
on an earlier or later date that
this Lease may expire or be canceled
or terminated or renewed pursuant to
the terms of this Lease.
"Annual Rent" The annual rent during the Initial
Term shall be One Hundred Thousand
($100,000.00) Dollars.
"Initial Term" A period of five (5) years beginning
on the "Commencement Date."
"Permitted Use" The Demised Premises shall be used
for general banking operations,
executive and clerical offices only
and for no other purpose.
1
"Real Property" Shall be the land upon which the
building stands, the Building, and
the land (and the improvements
thereon, adjoining the Building)
forming part of the same tax lot or
lots as those of the land on which
the Building stands and in which the
demised premises are located.
"Rent Year" The period commencing on the
Commencement Date and ending with
the day preceding the first
anniversary of such Commencement
Date.
"Structural" Shall mean the parts of the Building
which are integral to the structure
of the Building, which includes:
stairwells and towers; foundations;
subflooring; column supports; load
bearing walls; roofs; exterior walls
above and/or below grade; fire
escapes; and any building member
integral to the support of the
Building.
"Renewal Term" The period beginning on the day
after the first expiration date and
ending at 11:59 p.m. on the Date
which is five (5) years after
commencement of the renewal term.
2
ARTICLE 2
Demised Premises
2.01 The Landlord hereby leases to Tenant and Tenant hereby hires from the
Landlord the Demised Premises for the Term for the Rent hereinafter reserved and
upon and subject to the conditions (including limitations restrictions and
reservations) and covenants hereinafter provided. Each party hereto agrees to
observe and perform all of the conditions and covenants herein contained on its
part to be observed and performed.
2.02 The general location, size and layout of the Demised Premises are
outlined on Exhibit "A".
2.03 Neither Landlord nor Tenant shall cause or allow any undue waste on
the Demised Premises and shall comply with all applicable laws and ordinances
respecting the use and occupancy of the Demised Premises relating to matters not
specifically set forth in this lease. Tenant shall keep the Demised Premises
free and clear of all liens and encumbrances.
2.04 It is expressly understood and agreed that the commencement of this
Lease and the obligations of the Tenant hereunder are expressly subject to and
conditioned upon Tenant obtaining all necessary regulatory approvals for the
establishment of a full service banking branch at the location of the Demised
Premises and is further subject to all of the terms and conditions set forth in
a certain Asset Purchase Account Assumption Agreement by and between Tenant and
La Jolla Bank dated May , 2000 which is incorporated herein by reference
thereto. Tenant hereby agrees to diligently and in good faith make all required
applications and take all action necessary to obtain said approvals and
otherwise satisfy all terms and conditions of the Asset Purchase Account
Assumption Agreement. In the event such approvals shall be denied, for any
reason whatsoever or the Asset Purchase Account Assumption Agreement is
terminated pursuant to the terms of said Agreement, for any reason, this Lease
Agreement shall be at an end and neither party shall have any further obligation
hereunder.
3
ARTICLE 3
Use
3.01 Tenant's use of the Demised Premises shall be limited to the
Permitted Use. The Permitted Use of the Demised Premises for the purposes
specified in Article I hereof shall not in any event be deemed to include and
Tenant shall not suffer or permit the Demised Premises or any part thereof to be
used in any manner, or do anything or suffer or permit anything to be brought
into or kept therein any illegal, or ultra-hazardous activity, whether within
or outside the scope of the business of Tenant or which would in any way (i)
violate any laws, codes, statutes, or rules or requirements of public
authorities, (ii) make void or voidable any fire or liability insurance policy
in force upon the Commencement Date with respect to the Building, (iii) make
unobtainable from reputable insurance companies authorized to do business in the
State of Connecticut at standard rates any fire insurance with extended
coverage, or liability, elevator or boiler or other insurance required to be
furnished by the Landlord under the terms of this Lease, (iv) discharge
objectionable fumes, vapor or odors into the Building air conditioning system or
into Building flues or vents not designated to receive them or otherwise in such
manner as may unreasonably offend other occupants or (v) shall allow any animals
or birds be brought in or kept in or about the Demised Premises or the Building,
unless such animal is a "service" or "helping" animal accompanying, or in
training to service a person with a "disability" as defined by the Americans
with Disabilities Act of 1990 or a guide dog or hearing-aid dog. The Landlord
shall not make any provisions for the supervision or care of such animals.
3.02 The Landlord hereby grants the Tenant the right to place banners,
flags, balloons and similar promotional material on the exterior of the Demised
Premises to advertise the opening of its Bank Office. Additionally, Landlord
agrees that it will not unreasonably withhold its consent to place banners,
flags, balloons and similar promotional material on the exterior of the demised
premises at various time intervals for promotional purposes.
3.03 If any governmental license or permit, other than a certificate of
occupancy or certificate of use, shall be required for the proper and lawful
conduct of Tenant's business in the Demised Premises, or any part thereof, and
if failure to secure such license or permit would in any way affect the
Landlord, then Tenant, at its expense, shall duly procure and thereafter
maintain such license or permit, but in no event shall failure to procure and
maintain same by Tenant affect Tenant's obligations hereunder. Tenant shall not
at any time use or occupy, or suffer or permit anyone to use or occupy the
Demised Premises or do or permit anything to be done in the Demised Premises in
violation of the certificate of occupancy for the Demised Premises or for the
Building.
3.04 Tenant agrees to use, occupy, operate and maintain the Demised
Premises throughout the term, as a dignified first-class, high quality
establishment and in a manner which shall not detract from the character,
appearance or dignity of the Building. Tenant shall have the right to install
any exhibition, display (window or otherwise), or advertisement in or with
respect to the Demised Premises or any part thereof, including any article,
sign, poster or material. All window displays shall be kept neat, orderly and
fresh in appearance. Tenant agrees not to (i) conduct or permit any fire,
auction, going-out-of-business or bankruptcy sale in the Demised premises, (ii)
engage in any unethical method of business operation, (iii) use or operate the
Demised Premises as a so-called "discount house" or for "cut rate" or "discount"
type of business, (iv) use or permit to be used the
4
sidewalks or other space outside the Demised Premises for the display, sale or
similar undertaking or storage, (v) use or permit to be used any loudspeaker,
phonograph or other sound system or advertising devise which may be heard
outside the Demises Premises, or (vi) distribute or permit to be distributed
handbills or other matter to customers outside the Demised Premises. Tenant, at
its sole cost and expense, shall comply with and remain in compliance with all
applicable laws, codes, statutes, rules or requirements of public authorities or
changes in governmental policy, including, without limitation, the requirements
of the Occupational, Safety and Health Act, as they apply to Tenant's use and
occupancy of the Demised Premises. Tenant shall not place a load upon any floor
of the Demised Premises which exceeds the floor load per square foot area which
such floor was designed to carry.
3.05 Tenant acknowledges that the Landlord's damages resulting from any
breach of the provisions of this Article are difficult, if not impossible, to
ascertain and concedes that, among other remedies for such breach permitted by
law or the provisions of this Lease, the Landlord shall be entitled to enjoin
Tenant from any violation of said provisions.
5
ARTICLE 4
Rent
4.01 Whenever used in this Lease, the terms (insofar as it pertains to
this Lease) "The annual rent", "minimum rent", "base rent" or "basic rent",
shall mean Annual Rent; and whenever used in this Lease, the term (insofar as it
pertain to this Lease) "rent", "rental", "Rent", or the plural of any of them,
shall mean Annual Rent.
4.02 Tenant shall pay to the Landlord in lawful money of the United States
of America, at the office of the Landlord as specified in the preamble hereof or
at such other place as the Landlord may designate, the Annual Rent reserved
under this Lease for each year of the Term, payable in equal monthly
installments in advance and received by the first day of each and every calendar
month during the Term. Tenant shall pay Rent as hereinafter defined, without
notice, demand, deduction, abatement, set-off or counterclaim, at the office of
the Landlord at the address indicated on the face of the Lease or at such other
place or to such agent and at such place as the Landlord may designate from time
to time.
4.03 The Annual Rent for each year of the Initial Term of this Lease shall
be One Hundred Thousand and 00/100 ($100,000.00) Dollars payable in equal
installments of Eight Thousand Three Hundred Thirty-Three and 33/100 ($8,333.33)
Dollars per month commencing on the Commencement Date.
4.04 Tenant shall pay the Annual Rent promptly as and when the same shall
become due and payable under this Lease. If the Commencement Date shall occur on
a day other than the first day of the calendar month, the Rent shall be prorated
for the period from the Commencement Date to the last day of the said calendar
month and shall be due and payable on the Commencement Date.
4.05 Installments of rent shall be due and payable on the 1st day of each
and every month during the term of this Lease. If any installment of rent has
not been paid within fifteen (15) days from the due date, Tenant agrees to pay a
late fee in an amount equal to 5% of the monthly installment of rent.
6
ARTICLES 5
Repairs, Operating, Maintenance, Services and Utilities
5.01 Tenant shall maintain the Building and real property except as set
forth in Paragraph 5.02 herein in which the Demised Premises are located and
make repairs, restorations, and replacements to the Building and real property,
as necessary, including the fixtures and appurtenances to the Demised Premises,
snow and ice removal and landscaping and all cleaning and janitorial services,
all as and when needed to preserve them in good and safe working order and
condition and replacements will be in quality and class equal to the original
work or installations.
5.02 Landlord shall be responsible for maintaining and repairing all
mechanical, electrical and plumbing systems and all structural repairs
including, but not limited to, the roof, wall and foundations of the Demised
Premises.
5.03 Tenant shall pay directly all of the costs and expense with respect
to its equipment, services and personnel for protection and security; alarm
service; maintenance, repairs, replacements and improvements which are
appropriate for the continued operation of the Demised Premises; rental (or
depreciation) of equipment used in cleaning and maintenance; painting and
decoration of the Demised Premises; fire, extended coverage, special extended
coverage, owner's protective and other casualty coverage, public liability and
umbrella liability and property damage, rent or rental value and plate glass
insurance and any other insurance which the Tenant may deem necessary; supplies,
wages, salaries, disability benefits, pensions, hospitalization, retirement
plans, and group insurance and other indirect expenses respecting employees of
the Tenant and the Tenant's contractors up to and including the grade of the
Building.
5.04 Utilities --. Landlord shall furnish, at its sole costs and expense,
all fuel oil necessary for the heating of the Demised Premises. Tenant shall pay
all charges for services for electricity and water.
7
ARTICLE 6
Alterations
6.01 For the purposes of this Lease, the term "Alterations" shall include,
but not be limited to any changes, work or improvements to the floors, walls and
ceiling of the Demised Premises.
6.02 The Landlord's consent shall not be required for minor changes to the
Demised Premises such as painting and installation of cabinets and shelves. All
other renovations, additions, installations, improvement and/or alterations of
any kind or nature in the Demised Premises shall be at the sole cost of Tenant
(herein "Tenant's Changes") and shall require the prior written consent of the
Landlord thereto which, in the case of non-structural interior Tenant's Changes,
the Landlord agrees not to unreasonably withhold, delay or defer. In granting
its consent to any Tenant's Changes, the Landlord may impose such conditions (as
to guarantee of completion, payment, restoration and otherwise) as the Landlord
may reasonably require. The Landlord agrees to respond to Tenant's request for
approval of Tenant's Changes within thirty (30) days after the Landlord's
receipt of Tenant's written request for the Landlord's consent and all plans and
other information reasonably required by the Landlord to evaluate Tenant's
Changes. Tenant shall cause drawings and specifications to be prepared for, and
shall cause to be performed, the construction of Tenant's Changes in accordance
with all applicable laws, ordinances and regulations of all duly constituted
authorities, including, without limitation, Title III of the Americans with
Disabilities Act of 1990, all regulations issued thereunder and the
Accessibility Guidelines for Buildings and Facilities issued pursuant thereto,
as the same are in effect on the date hereof and may be hereafter modified,
amended or supplemented. Any request by the Landlord for plans and other
information required to evaluate Tenant's Changes shall not be unreasonably
delayed. In no event shall the Landlord be required to consent to any Tenant's
Change which would physically affect any part of the Building outside of the
Demised Premises or would adversely affect the proper functioning of the
mechanical, electrical, sanitary or other service systems of the Building. At
any time Tenant requests the Landlord's written consent to any Tenant's Changes,
Tenant shall deliver to the Landlord detailed plans and specifications therefor.
Tenant shall pay to the Landlord any out of pocket expenses incurred by the
Landlord in connection with the Landlord's submitting such plans and
specifications, if it so chooses, to an architect or engineer selected by the
Landlord for review or examination, an/or for supervision during performance of
Tenant's Changes. The Landlord's approval of any plans or specifications does
not relieve Tenant from the responsibility for the legal sufficiency and
technical competency thereof. Tenant before commencement of any Tenant's Changes
shall:
1. Obtain the necessary consents, permits, authorizations and
licenses from all federal, state, city or municipal authorities having
jurisdiction over such work;
2. Furnish to the Landlord a certificate or certificates of Worker's
Compensation Insurance covering all persons who will perform Tenant's Changes
for Tenant or any contractor, subcontractor or other person;
3. Furnish to the Landlord an original policy of public liability
insurance (or certificate thereof) covering the Landlord in limits of not less
than TWO MILLION ($2,000,000.00) dollars for injuries or damages to person and
property, from a company approved by the Landlord. Such policy shall be
maintained at all times during the progress of Tenant's Changes and until
8
completion thereof, and shall provide that no cancellation or material
alteration shall be effective unless thirty (30) days prior written notice has
been given to the Landlord.
6.03 Tenant agrees to indemnify defend and save the Landlord harmless from
and against any and all bills for labor performed and equipment, fixtures and
materials furnished to Tenant and applicable sales taxes thereon as required by
the State of Connecticut and from and against any and all liens, bills or claims
therefor or against all losses, damages, costs, expenses, suits and claims
whatsoever in connection with Tenant's Changes. The cost of Tenant's Changes
shall be paid for in cash or its equivalent, so that the Demises Premises and
the Building shall at all times be free of liens for labor and materials
supplied or claimed to have been supplied.
6.04 Tenant, at its expense, shall cause Tenant's Changes consented to by
the Landlord to be performed in compliance with all applicable requirements of
insurance bodies having jurisdiction and in such manner as not to interfere
with, delay or impose any additional expense upon the Landlord in the
maintenance or operation of the Building and so as to maintain harmonious labor
relations in the Building.
9
ARTICLE 7
Electricity, Gas and Fuel
INTENTIONALLY DELETED
10
ARTICLE 8
Signs
8.01 Tenant shall have the right to place its signs in, on and about the
Demised Premises, provided the same are in compliance with law, are purchased
and installed at the sole cost and expense of Tenant and are removed from the
premises at or prior to the Expiration Date and the surfaces and areas restored
to their original condition. Tenant shall be responsible for all required
applications, fees and permits. The Landlord agrees to promptly execute and
provide all requested documentation requested by Tenant for use in obtaining
such applications and permits. It Tenant shall cause or permit any sign or other
object to be placed on or affixed to any part of the Building not within the
Demised Premises without Landlord's written permission, Landlord shall have the
right, in addition to any other rights or remedies, without notice or liability
to Tenant, to remove and dispose of any such sign or other object and to make
any repairs necessitated by such removal, all at Tenant's sole cost and expense,
and Landlord's cost and expense in performing such removal and repair shall be
deemed additional rent payable with the next installment of Rent due hereunder.
11
ARTICLE 9
Services; Repairs
9.01 The Tenant shall cause the Demised Premises to be cleaned; including
the exterior and the interior of the windows thereof to be cleaned and shall
cause there to be supplied cleaning materials therefor.
9.02 Tenant shall be responsible for the operation of and all maintenance
and repairs to: (i) all specifically installed items by Tenants, including but
not limited to computers, HVAC equipment, uninterrupted power service equipment,
generators and antennae or satellite dishes; and (ii) all Tenant service systems
contained within or servicing the Demised Premises.
9.03 Tenant will pay the appropriate suppliers for all telephone and
communications services used by Tenant on the premises during the term, whether
or not such services are billed directly to Tenant. Tenant will also procure, or
cause to be procured, without cost to Landlord, any and all necessary permits,
licenses, or other authorizations required for the lawful and proper
installation and maintenance upon the premises of wires, pipes, conduits, tubes,
and other equipment and appliances for use in supplying any such service to and
upon the premises. Landlord, upon request of Tenant, and at the sole expense and
liability of Tenant, will join Tenant in any application required for obtaining
or continuing any such service.
9.04 With respect to parking of vehicles:
(a) Use of the parking areas located at the Demised Premises by
Tenant, its personnel and visitors will be at their own risk, and
the Landlord shall not be liable for any injury to person or
property, or for loss or damage to any vehicle or its contents,
resulting from theft, collision, vandalism or any other cause
whatsoever.
(b) It is understood and agreed that Landlord leases a portion of
the parking area from First Presbyterian Church of Stamford pursuant
to a certain lease including all renewals therein. Landlord agrees,
that during the term of this Lease, to exercise any options to renew
said lease in accordance with the terms and conditions of said
lease, except if landlord increases the rent under Section 15 of the
lease, in order to insure the benefit of the additional parking area
provided under said lease for the benefit of Tenant herein. Landlord
shall be solely responsible for all amounts due as rent under the
aforesaid lease.
9.05 The Landlord reserves the right, without any liability to Tenant
except as otherwise expressly provided in this Lease, and without being in
breach of any covenant of this Lease, to stop, interrupt or suspend service of
any of the heating, ventilating, air conditioning, electric, sanitary, elevator
or other Building systems serving the Demised Premises, or the rendition of any
other services required of the Landlord under this Lease, whenever and for so
long as may be necessary, by reason of accidents, emergencies, the making of
repairs or changes which the Landlord is permitted by this Lease or required to
by law to make or in good faith deems advisable, or by reason of unavoidable
delays, which for the purpose of this Article shall mean the temporary (not more
than ten (10) business days) postponement of materials or services not within
the Landlord's control.
12
changes. In each instance the Landlord shall exercise due diligence to eliminate
the cause of stoppage or repetitive failure of a system or service and to effect
restoration or service and shall give Tenant reasonable notice, whenever
possible, of the commencement and anticipated duration of such stoppage.
9.06 If, by reason of any events beyond the Landlord's or Tenant's
control, the Landlord or Tenant, as the case may be, shall be unable to fulfill
its obligations under this Lease or shall be unable to supply any service which
said party is obligated to supply, this Lease and Tenant's obligation to pay
Rent hereunder shall in no way be affected, impaired or excused provided,
however, that should such failure to provide service or to perform any other
obligation under the Lease prohibit or prevent Tenant's use and occupancy of the
Demised Premises for a period of thirty (30) days, Tenant may, at its option,
terminate this Lease. As used herein "event beyond the Landlord's or Tenant's
control" shall include, without limitation: acts of public enemy; governmental
emergency, rule, order, regulation or action; war; restraining of government;
unavailability of materials; labor unrest, strikes or troubles, civil riots;
floods; hurricanes; tornadoes; earthquakes or other acts of severe weather
conditions; or acts of God.
13
ARTICLE 10
Landlord and Tenant`s Responsibility Regarding Hazardous Substances
10.01 Landlord represents that to its knowledge:
There has been no generation, processing, distribution, use, treatment,
handling, storage, discharge, disposal, release, threatened release, or emission
of any Hazardous Substance on or from the Building or Real Property by any
person prior to the Closing Date; and, to Landlord's knowledge, no action has
been taken and Landlord has not been notified that an event or condition has
occurred or exists with respect to the Building or Real Property which
constitutes a violation of any Environmental Laws. Landlord heretofore has
delivered to Tenant copies of all written reports, correspondence, analytical
data, notices or other materials, if any, in its possession pertaining to
environmental surveys or assessments of the Building or Real Property and any
improvements thereon, and any violation of Environmental Laws in, on, affecting,
or otherwise involving the same.
(1) Hazardous Substances. The term "Hazardous Substance", as used in
this Lease, shall include, without limitation: "hazardous substances" or "toxic
substances" as those terms are defined by the Comprehensive Environmental
Response, Compensation, and Liability Act (CERCLA), 42 U.S.C. Section 8601, et
seq., or the Hazardous Materials Transportation Act, 49 U.S.C. Section 1802 and
"hazardous wastes," as that term is defined by the Resource Conservation and
Recovery Act (RCRA), 42 U.S.C. Section 6902, et seq., all as amended to this
date and as amended after this date; any pollutant, contaminant, or hazardous,
dangerous, or toxic chemical, material, or substance within the meaning of any
other applicable federal, state or local law, regulation, ordinance, or
requirement (including consent decrees and administrative orders) relating to or
imposing liability or standards of conduct concerning any hazardous, toxic, or
dangerous substance or material, all as amended to this date or as amended after
this date; flammables, explosives; radioactive materials, including any source,
special nuclear, or by-product material as defined at 42 U.S.C. Section 2011, et
seq., as amended to this date or as amended after this date; asbestos or
substances or compounds containing asbestos; polychiorinated biphenyls (PCB's)
or substances or compounds containing PCB's; chemical known to cause cancer or
reproductive toxicity; pollutants; contaminants, and petroleum and petroleum
products.
(2) Landlord and Tenant's Restrictions. Neither Landlord nor Tenant
shall cause or permit to occur:
(a) Any violation of any federal, state, or local law,
ordinance, or regulation now or hereafter enacted, related to environmental
conditions on, under, or about the Demised Premises, or arising from TenanCs use
of occupancy of the Demised Premises, including, but not limited to, soil and
ground water conditions; or
(b) The use, treatment, transportation, generation, release,
manufacture, refining, production, processing, storage, or disposal or any
Hazardous Substance on, under, or about the Demised Premises, or the
transportation to or from the Demised Premises of any Hazardous Substance.
(3) Environmental Clean-up.
14
(a) Landlord and Tenant will promptly notify each other, in
writing, if Tenant has or acquires notice or knowledge that any Hazardous
Substance has been or is threatened to be released, discharged, disposed of,
transported, or stored on, in, under, or from the Demised Premises; and if any
Hazardous Substance is found on the Demised Premises. Landlord and Tenant shall
comply with all laws regulating the use, generation, storage, transportation, or
disposal of Hazardous Substance, including but not limited to, the laws
specified above ("Environmental Laws").
(b) Landlord and Tenant will immediately notify each other and
provide copies upon receipt of all written complaints, claims, citations,
demands, inquiries, reports, or notices relating to the condition of the Demised
Premises (including the common areas or real property) or compliance with
Environmental Laws. Tenant will promptly cure and have dismissed with prejudice
any of those actions and proceedings to the satisfaction of the Landlord. Tenant
will (except to the extent due to a condition that existed prior to Tenant's use
or occupancy of the Demised Premises) keep the Demised Premises free of any lien
imposed pursuant to any Environmental Laws. Landlord and Tenant shall make all
submission to, provide all information required by, and comply with all
requirements of all governmental authorities (the "Authorities") under the
Environmental Laws.
(c) Should any authority under the Environmental Law or any
third party demand that a clean-up plan be prepared and that a clean-up be
undertaken because of any deposit, spill, discharge, or other release of
Hazardous Substance that occurs during the term of this Lease, in or from the
Demised Premises (except to the extent due to a condition that existed prior to
Tenant's use or occupancy of the Demised Premises) or which arises at any time
from Tenant's use or occupancy of the Demised Premises; then Tenant shall, at
Tenant's own expense, prepare and submit the required plans and all related
bonds and their financial assurances, and Tenant shall carry out all such
clean-ups plans.
(d) Tenant shall promptly provide all information regarding
the use, generation, storage, transportation, or disposal of Hazardous Substance
that is requested by the Landlord or any authority under the Environmental Laws.
The Landlord will have the right at all reasonable times and from time to time
to conduct environmental audits of the Demised Premises, and Tenant will
cooperate in the conduct of those audits. The audits will be conducted by a
consultant of the Landlord's choosing, and if any Hazardous Substance is
detected or if a violation of any of the warrantied, representations, or
covenants contained in this Article is discovered, the fees and expenses of such
consultant will be borne by Tenant and will be paid as additional Rent under
this Lease on demand by the Landlord.
(e) If Tenant fails to comply with any of the foregoing
warranties, representations, and covenants, the Landlord may cause the removal
or other cleanup acceptable to the Landlord) of any Hazardous Substance from the
Demised Premises. Tenant shall cooperate with the Landlord in order to prepare
all documents the Landlord deems necessary or appropriate to determine the
applicability of the Environmental Laws to the Demised Premises and Tenant's use
thereof, and for compliance therewith, and Tenant shall execute all documents
promptly upon the Landlord's request or those of any authority under the
Environmental Laws. The costs of Hazardous Substance removal and any other
cleanup (including transportation and storage costs) will be
15
additional Rent under this Lease, only if a court has ordered the cleanup, and
those costs will become due and payable on demand by the Landlord. Tenant will
give the Landlord and the Landlord's Agents access to the Demised Premises to
remove or otherwise clean up any Hazardous Substance. The Landlord, however, has
no affirmative obligation to remove or otherwise clean up any Hazardous
Substance, and this Lease will not be construed as creating any such obligation.
No such action by the Landlord and no attempt made by the Lender to mitigate
damages under any laws shall constitute a waiver of any of Tenant's obligation
under this Article.
(f) In addition to the indemnification provisions of Article
14 hereof, Tenant shall indemnify, defend (with counsel reasonably acceptable to
the Landlord and at Tenant's sole cost), and hold the Landlord, and its
officers, directors, beneficiaries, shareholders, partners, subsidiaries,
agents, and employees free and harmless from and against all losses,
liabilities, obligations, penalties, claims, litigation, demands, defenses,
costs, judgments, suits, proceedings, damages (including consequential damages),
disbursements, or expenses of any kind (including attorneys' and experts' fees
and fees and expenses incurred in investigating, defending, or prosecuting and
litigation, claim, or proceeding) that may at any time be imposed upon, incurred
by, asserted or awarded against the Landlord (including attorneys' fees,
consultants' fees and court costs) (except to the extent due to a condition that
existed prior to Tenant's use of occupancy of the Demised Premises or if due to
a condition created by Landlord or other Tenants in the Building) arising out of
or in any way connected with: any deposit, spill, discharge, or other release or
any Hazardous Substance that occurs during the term of this Lease, at or from
the Demised Premised, or which arises at any time from Tenant's use or occupancy
of the Demised Premises; or any violation or claim of violation by Tenant of any
Environmental Laws; or the imposition of any lien for the recovery of any costs
for environmental cleanup or other response costs relating to the release or
threatened release of Hazardous Substance; or failure to provide all
information, make all submission, and take all steps required by all authorities
under the Environmental Laws and all environmental laws, or any
misrepresentation, inaccuracy, or breach of any warranty, covenant, or agreement
contained or referred to in this Article.
This indemnification is the personal obligation of Tenant and will
survive termination of this Lease. Tenant, its successors, and assigns waive,
release, and agree not to make any claim or bring any cost recovery action
against the Landlord under CERCLA, or any state equivalent to any similar law
now existing or enacted after this date. To the extent that the Landlord is
strictly liable under any such law, regulation, ordinance, or requirement,
Tenant's obligation to the Landlord under this indemnity will also be without
regard to fault on the part of Tenant with respect to the violation or condition
that results in liability to the Landlord (except to the extent due to a
condition that existed prior to Tenant's use or occupancy of the Demised
Premises or if due to a condition created by Landlord or other Tenants in the
Building).
Notwithstanding anything herein to the contrary, the Tenant shall
have 90 days from the date hereof to complete Phase I environmental assessments
with respect to the demised premises. The cost and expense of the environmental
assessments shall be paid by the Tenant. If the Tenant should determine pursuant
to the results of such environmental assessments that (i) there has been any
storage, discharge, disposal, release or emission of any Hazardous Substance in,
on or from the Demised Premises and (ii) Tenant reasonably believes that it
could become responsible for the remediation of such storage, discharge,
disposal, release, threatened release or emission or become
16
liable for monetary damages (including without limitation any civil, criminal or
administrative penalties or assessments) resulting therefrom, or if Tenant
reasonably believes that such discharge, disposal, release, threatened release,
emission or violation would have a material adverse effect on its ability to
assign the Lease, then Tenant shall inform Landlord in writing with specificity
within 90 days from the date hereof, and shall deliver to Landlord copies of all
written reports, analytical data, correspondence, notices or other written
material relating to or developed in connection with the environmental
assessment of the property at issue. Upon receipt of notice, Landlord may, at
its option and sole cost and expense, take necessary actions to correct the
specific defect set forth in the notice. Upon completion of such corrective
actions to the reasonable satisfaction of the Tenant, or Landlord's proving in a
manner acceptable to Tenant that Tenant would not be responsible for remediation
or be liable for monetary damages, including administrative, civil, or criminal
penalty assessments or enforcement actions or administrative, judicial or
special orders by consent (unless, in Tenant's reasonable opinion, the results
of the environmental assessment would materially adversely affect the
marketability, including, but not limited to, the resale or leasing of the
Demised Premises, Tenant shall not be permitted to reject such Branch Office due
to the results of the environmental assessment. For purposes of this Agreement
"Hazardous Substance" shall mean any toxic or hazardous pollutants, chemicals,
wastes or substances, including, without limitation, any hazardous substances
under Section 101(14) of the Comprehensive Environmental Response, Compensation
and Liability Act ("CERCLA"), 42 USC Section 9601(14), any pollutant or
contaminant under Section 101(33) of CERCLA, 42 USC Section 960 1(33), friable
asbestos, polychlorinated biphenyls ("PCBs"), petroleum and petroleum products
or urea formaldehyde
17
ARTICLE 11
Condemnation; Eminent Domain
11.01 In the event that the Real Property, Building or any part thereof,
or the Demised Premises or any part thereof, shall be taken in condemnation
proceedings or by the exercise of any right of eminent domain or by agreement
between the Landlord on the one hand and any governmental authority authorized
to exercise such right on the other hand, the Landlord shall be entitled to
collect from any condemnor the entire award or awards that may be made in any
such proceeding, excepting Tenant's personal property hereby vested in or owned
by Tenant, to be paid out as in this Article provided. Nothing in this Article
shall prevent Tenant from bringing a separate action or proceeding for
compensation for any of Tenant's property or moving expenses.
11.02 At any time during the Term if title to a portion greater than
twenty-five (25%) percent of the Real Property, the Building and/or Demised
Premises shall be taken in condemnation proceedings or by the exercise of any
right of eminent domain or by agreement between the Landlord on the one hand and
any governmental authority authorized to exercise such right on the other hand,
this Lease shall terminate and expire on the date of such taking and the Rent
provided to be paid by Tenant shall be apportioned and paid to the date of such
taking.
11.03 However, if less than twenty-five (25%) percent of the Real
Property, Building and/or Demised Premises shall be so taken, this Lease
nevertheless shall continue in full force and effect, except that Landlord or
Tenant may elect to terminate this Lease if that portion of the Demised Premises
then occupied by Tenant shall be reduced by more than twenty-five (25%) percent,
or the Demised Premises shall become untenantable, by written notice of such
election to the other party given not later than thirty (30) days after (i)
notice of such taking is given by the condemning authority, or (ii) the date of
such taking, whichever occurs later. Upon the giving of such notice this Lease
shall terminate on the date of service of such notice and the Rent due and to
become due shall be prorated and adjusted as of the date of the taking. If both
parties fail to give notice upon such partial taking, and this Lease continues
in force as to any part of the Demised Premises not taken, the Rent apportioned
to the part taken shall be prorated and adjusted as of the date of the taking
and from such date the Rent shall be reduced to the amount apportioned on the
remainder of the Demised Premises, and the Tenant's Share shall be recomputed to
reflect the number of square feet of Tenant's Floor Space remaining in the
Demised Premises in relation to the number of square feet of Total Building
Floor Space remaining in the Building.
11,04 Tenant shall not be entitled to any portion of any condemnation
award or private purchase price. Tenant hereby expressly assigns to the Landlord
all of its rights in and to every such award, compensation, damages, rights of
action, proceeds or purchase price and agrees to execute and lend all documents
required to facilitate collection thereof by the Landlord. Landlord shall be
under no obligation to question the amount of any such award or compensation and
may accept the same in the amount paid. Notwithstanding the foregoing provisions
of this Article, Tenant shall be entitled to appear, claim, prove and receive in
the proceeding relating to any taking mentioned in the preceding Sections of
this Article, such portion of each award made therein as represents (a) Tenant's
moving expenses, and (b) the then value of Tenant's personal property.
(a) Nothing herein contained shall be deemed to excuse Tenant from
repairing or
18
maintaining the Demised Premises as provided in this Lease or restoring all
damage or destruction to the Demised Premises, regardless of whether or not
there are proceeds available or whether any such Proceeds are sufficient in
amount, and the application or release by Landlord of any Proceeds shall not
cure or waive any default or notice of default under this Agreement or on
validate any act done pursuant to such notice.
(b) Any monies received as a condemnation award shall be paid over
to Landlord to be applied at the option of Landlord for the restoration of the
Improvements.
(c) If at any time there shall occur a partial condemnation or
partial taking, and if Landlord shall have decided in its sole discretion to
permit Tenant to use any condemnation award for the restoration of the Demised
Premises, then Tenant may use such proceeds to restore the Demised Premised
provided that (i) the net proceeds are sufficient to restore the Demised
Premises, or if such proceeds are insufficient in the opinion of Landlord on
advice from its architect to restore the Demised Premises, Tenant shall have
deposited with Landlord cash in an amount equal to the difference between the
cost of such restoration and such proceeds, (ii) there shall exist no Event of
Default, nor any event which, after notice or the passage of time would become
an Event of Default, (iii) in the opinion of Landlord on advice from its
architect the Demised Premises can be completely restore within 180 days from
the occurrence of such partial condemnation or taking, or by the Expiration Date
(as defined in the Note), whichever occurs first; and (iv) Landlord shall
determine, based on advice from its architect, that the contemplated restoration
of the Demised Premises shall, when completed, render the Demised Premises a
complete, economically viable architectural unit of substantially the same
usefulness, design and construction and fully functional for the same purposes
and uses as existed prior to the condemnation. In the event such condemnation
award is used to repair or restore the Demised Premises pursuant to this
Section, Tenant shall obtain, at its sole cost and expense, an architect who
shall submit plans to Landlord for the restoration of the Demised Premises
indicating that such restoration of the Demised Premises indicating that such
restoration can be completed within the period provided for herein, together
with a budget itemizing the projected costs of such restoration. Said plans and
budget are subject to the approval of Landlord. Tenant shall also obtain and
post, at its sole cost and expense, all necessary Federal, State and local
permits and approvals prior to the commencement of such restoration. Tenant
agrees that condemnation awards to be used to restore the Demised Premises shall
be held by Landlord and disbursed periodically: (i) on advice from Landlord's
architect (who shall be employed by Landlord at Tenant's sole expense) that the
work completed or materials installed conform to said budget and plans, as
approved by Landlord; and (ii) upon presentment of receipted bills and releases
satisfactory to Landlord. The expenses incurred by Landlord, including
architects' and attorneys' fees, and all soft and hard costs in connection with
such restoration, shall be paid by Tenant to the extent condemnation awards are
insufficient to pay same. At no time shall Landlord be obligated to disburse any
funds if the undisbursed balance is, in the opinion of Landlord based on advice
from its architect, insufficient to timely complete the restoration of the
Demised Premises free and clear of all liens. Tenant agrees to post such bonds,
obtain such guaranteed maximum price general contract agreement and/or enter
into such agreements and arrangements as Landlord may require to insure
lien-free completion of such repairs or restoration by the end of the period
provided herein for completion of such repairs or restoration.
19
ARTICLE 12
Insurance
12.01 Insurance Coverages. Tenant agrees to at all times, at it sole
expense, provide, maintain and keep in force the following policies of insurance
naming Landlord and Tenant as their interests may appear and such other parties
as Landlord and Tenant may designate as additional insured, in the customary
form in the Town of Stamford, State of Connecticut, for premises and
improvements of similar character, on premises and improvements.
(a) Comprehensive public liability insurance (including coverage for
elevators and escalators, if any, on the Demised Premises and, if any
construction of new improvements occurs after execution of this Agreement,
completed operations coverage for one year after construction of the
improvements has been completed) on an occurrence basis against claims for
personal injury including, without limitation, bodily injury, death or property
damage occurring on, in or about the Demised Premises and the adjoining streets,
sidewalks and passageways, such insurance to afford immediate minimum protection
to limits of not less than $2,000,000 or such greater amount as may be required
by Landlord from time to time;
(b) Worker's compensation insurance including employer's liability
insurance for all employees of Tenant, if any, engaged on or with respect to the
Demised Premises;
(c) During the course of any demolition, construction, renovation or
repair of the Building or other improvements on the Demised Premises, builder's
completed value risk insurance against all risks of physical loss, including
collapse and transit coverage, during construction of such improvements, with
deductibles satisfactory to Landlord, in nonreporting form, in an amount
acceptable to Landlord. Such policy of insurance shall contain the "permission
to occupy upon completion of work or occupancy endorsement and a waiver of
coinsurance endorsement;
(d) Rent loss and business interruption coverage, if applicable,
either as a separate policy or as part of the casualty policy referred to in
subsection (a) above; and
(e) All policies of insurance relating to property required by terms
of this Agreement shall contain a standard non-contributory negligence
endorsement providing an agreement by the insurer that any loss shall be payable
in accordance with the terms of such policy notwithstanding any act or
negligence of Tenant which might otherwise result in forfeiture of such
insurance and the further agreement of the insurer waiving all rights of set off
counterclaim or deductions against Tenant.
12.02 Miscellaneous Insurance Related Provisions.
(a) All policies of insurance shall be issued by companies
authorized to transact business in the State of Connecticut (property liability)
approved by Landlord and in amounts satisfactory to Landlord and all policies of
property insurance shall have attached thereto the clause referred to in Section
12.01 above in favor of Landlord, not subject to contribution or co-insurance,
all in form reasonably satisfactory to Landlord. Tenant shall furnish Landlord
with a signed duplicate original policy with respect to all required insurance
coverage. At least thirty (30) days
20
prior to the expiration of each such policy, Tenant shall furnish Landlord with
evidence satisfactory to Landlord of the payment of premium and the reissuance
of a policy continuing insurance in force as required by this Agreement. All
such policies, including policies for any amounts carried in excess of the
required minimum and policies not specifically required by Landlord, shall be in
form satisfactory to Landlord, shall be maintained in full force and effect,
shall be assigned and delivered to Landlord, with premiums prepaid, as
collateral security for payment of all obligations of Tenant secured hereby, and
shall contain a provision that such policies will not be canceled or amended,
without at least thirty (30) days prior written notice to Landlord and at no
time shall there be any reduction in the scope or limits of coverage. If the
insurance, or any part thereof, shall expire, or be withdrawn, or become void or
any reason, or if for any reason whatever the insurance shall be unsatisfactory
to Landlord, Tenant shall immediately upon learning of such expiration or
termination place new insurance on the Demised Premises, satisfactory to
Landlord.
(b) In the event Tenant fails to provide, maintain, keep in force or
deliver and furnish the Landlord the policies of insurance required hereunder,
Landlord may procure such insurance or single-interest insurance for such risks
covering Landlord's interest, and Tenant will pay all premiums thereon promptly
upon demand by Landlord, and until such payment is made by Tenant the amount of
all such premiums, together with interest thereon at the Default Rate shall be
secured by the mortgage.
12.03 The Tenant, at his own cost and expense, shall insure it own
fixtures, equipment and contents, (including, without limitation, any computer
or telephone system or any generators or alternators used in connection
therewith installed in the Demised Premises, it being expressly understood and
agreed that the same is not the responsibility of the Landlord nor shall the
Landlord be liable therefor.
All polices and Certificates shall name the Landlord as an additional
insured and loss payee and shall expressly provide that the interest of same
therein shall not be affected by any breach by Tenant of any policy provision
for which such Certificates evidence coverage. Further, all Certificates shall
expressly provide that no less than thirty (30) days prior written notice shall
be given to Landlord in the event of material alteration to, or cancellation of
any of the coverages evidenced by such Certificates.
The monetary limits and types of coverages stated herein shall not be
construed as a limit of Tenant's liability. Every calendar year during the Term,
Landlord shall have the right to review the insurance coverages required under
this Article 12 and to require that Tenant reasonably increase the limits of
Tenant's insurance coverage hereunder.
If, on account of the failure of Tenant to comply with the foregoing
provisions, Tenant is adjudged to be a coinsurer by its insurance carrier, then
any loss or damage the Landlord shall sustain by reason thereof or payments made
by Landlord's insurance carrier, shall be borne by Tenant and shall be
immediately paid by Tenant upon receipt of a bill therefore and evidence of such
loss or payment
The Landlord makes no representation that the limits of liability
specified to be carried by Tenant under the terms of this Lease are adequate to
protect Tenant, and in the event Tenant believes
21
that any such insurance coverage called for under this Lease is insufficient,
Tenant shall provide at its own expense, such additional insurance as Tenant
deems adequate
22
ARTICLE 13
Right to Assign or Sublease
13.01 Landlord and Tenant acknowledge and agree that:
A. Tenant may assign its interest in this Lease or sublet any portion of
the Demised Premises without the prior written consent of the Landlord to any
other financial institution. A financial institution shall not be deemed to
include financial operations involving check cashing and/or payroll loans.
B. Tenant shall not assign or sublet any portion of the Demised Premises
to any other person or entity without the prior written consent of the Landlord,
which consent as to a sublease only will not be unreasonably withheld or
delayed.
C. If Tenant's interest in this Lease is assigned, whether or not in
violation of the provisions of this Lease, the Landlord may collect Rent from
the assignee. If the Demised Premises or any part thereof are sublet to, or
occupied by or used by any person other than Tenant, whether or not in violation
of this Lease, the Landlord, after default by Tenant under this Lease and
expiration of tenant's time, if any, to cure such default, may collect Rent from
the subtenant, user or occupant. In either case, the Landlord shall apply the
net amount collected to the rents reserved in this Lease, but neither any such
assignment, subletting occupancy, nor use, nor any such collection or
application shall be deemed a waiver of any term, covenant or condition of this
Lease or the acceptance by the Landlord of such assignee, subtenant, occupancy
or user as a tenant. The consent by the Landlord to any assignment, subletting,
occupancy or use shall not relieve Tenant from its obligation to obtain the
express prior written consent of the Landlord to any further assignment,
subletting, occupancy or use. The listing of any name other than Tenants on any
door of the Demised Premises, or on any directory, or on any elevator in the
Building, or otherwise, shall not operate to vest in the party so name, any
right or interest in this Lease in the Demised Premises or be deemed to
constitute or serve as a substitute for any prior written consent of the
Landlord requires under this Article, and it is understood that any such listing
shall constitute a privilege extended by the Landlord which shall be revocable
at either the Landlord's will by notice to Tenant. Tenant agrees to pay to the
Landlord all reasonable counsel fees incurred by the Landlord in connection with
any assignment of Tenant's interest in this Lease or any subletting of the
Demised Premises or any part thereof. Neither any assignment of Tenant's
interest in this Lease nor any subletting, occupancy or use of the Demised
Premises or any part thereof by any person other than Tenant, nor any collection
of Rent by the Landlord from any person other than Tenant as provided in this
Paragraph C, nor any application of any such Rent as provided in this Paragraph
C shall in any circumstances relieve Tenant of Tenant's obligation to fully
observe and perform the terms, covenants and condition of this Lease on Tenant's
part to be observed and performed. For the purposes of this Lease, (i) a
takeover agreement shall not be deemed a transfer of this Lease, (ii) any person
or legal representative of Tenant to whom Tenant's interest under this Lease
passes by operation of law or otherwise, shall be deemed a transfer of this
Lease, and (iii) a modification, amendment or extension without the Landlord's
prior written consent shall be deemed a new sublease. Tenant agrees to furnish
to Landlord upon demand at any time and from time to time such information and
assurances as the Landlord may request that neither Tenant nor any subtenant
shall have violated the provisions herein.
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D. No permitted or consented to assignment or subletting shall be
effective or valid for any purpose whatsoever unless and until a counterpart of
the assignment or a counterpart or reproduced copy of the sublease shall have
been first delivered to the Landlord and in the event of any assignment, Tenant
shall deliver to the Landlord a written agreement executed and acknowledged by
Tenant and such assignee in recordable form wherein such assignee shall assume
joint and severally with tenant the due performance of this Lease
notwithstanding any other or further assignment.
E. Neither any assignment of Tenant's interest in this Lease nor any
subletting, occupancy or use of the Demised Premises or any part thereof by any
person other than Tenant shall, in any circumstances, relieve Tenant of its
obligations to fully observe and perform the terms, covenants and conditions of
this Lease on Tenant's part to be observed and performed.
24
ARTICLE 14
Non-Liability and Indemnification
14.01 Tenant agrees to defend, indemnify and hold harmless the Landlord
against and from any and all loss, cost, liability, damage and expense,
including but not limited to, penalties, fines, court costs, disbursements and
attorney's fees incurred in connection with or arising from any cause in, on or
about the premises, either present or future, including, but not limited to: (i)
any failure by Tenant to observe or perform any of the obligations under this
Lease; (ii) the use or occupancy or manner of use or occupancy of the Demised
Premises and adjacent areas by Tenant or any person or entity claiming through
or under Tenant (iii) any condition design or construction of the Demised
Premises or the Building or any occurrence or happening in or on the Demised
Premises from any cause; or (iv) any negligence, omission or misconduct whether
prior to, during or after the Term of this Lease of Tenant or any person or
entity claiming through or under Tenant or any contractor, agent, employee,
invitee or licensee of Tenant in or about the Demised Premises or the Building;
and (v) any maintenance, repairs, replacements, additions, alternations,
substitutions and installments made by or for Tenant to the Demised Premises and
the Building. In case any action or proceeding is brought against the Bank by
reason of any such claim , tenant upon written notice from the Bank shall at
Tenant's expense resist or defend such action or proceeding by reputable,
competent counsel with respect to whom the Bank has no reasonable or just cause
to request replacement. Tenant agrees that the obligation assumed herein shall
survive the termination or earlier expiration of this Lease.
14.02 The Landlord shall defend indemnify and hold harmless Tenant its
directors, officers, employees, agents, subsidiaries and affiliates against and
from all losses, liabilities, obligation, damages, penalties, claims, costs,
charges and expenses, including reasonable attorney's fees, which may be imposed
upon or incurred by or asserted against Tenant and/or its directors, officers
and subsidiaries by reason of any action or cause occurring in the Building, the
Real Property or the Demised Premises by the negligent act, omission or willful
misconduct of the Landlord, its agents, employees, contractors, tenants or
licensees acting on behalf of Landlord. In case any action or proceeding is
brought against Tenant's by reason of any such claim, the Landlord, upon written
notice from Tenant, shall at the Landlord's expense resist or defend such action
or proceeding by reputable, competent counsel with respect to whom Tenant has no
reasonable or just cause to request replacement. The Landlord agrees that the
obligation assumed herein shall survive the termination or earlier expiration of
this Lease.
14.03 The Landlord or its agents shall not be liable for any injury or
damage to persons or property resulting from fire, explosion, falling plaster,
steam, gas, electricity, water, rain or snow or leaks from any part of the
Building or from the pipes, appliances or plumbing works or from the roof,
street or subsurface or from any other place or by dampness or by any other
cause of whatsoever nature, unless any of the foregoing shall be caused by or
due to the gross negligence of the Landlord, its agents, servants or employees.
14.04 Tenant shall reimburse the Landlord for all expenses, damages or
fines incurred or suffered by the Landlord and for which the Landlord has not
been and will not be reimbursed by insurance by reason of any breach, violation
or nonperformance by Tenant or its agents, servants or employees, of any
covenant or provision of this Lease or by reason of damage to persons or
25
property caused by moving property of or for Tenant in or out of the Building,
or by the installation or removal of furniture or other property of or for
Tenant or by reason of or arising out of the carelessness, negligence or
improper conduct of Tenant or its agents, servants or employees in the use or
occupancy of the Demised Premises.
14.05 Tenant shall give Landlord notice in case of fire or accident in the
Demised Premises promptly after Tenant is aware of such event.
26
ARTICLE 16
Holdover
16.01. If Tenant or any approved assignee or sublessee shall continue to
occupy the Demised Premises after the termination of this Lease without the
prior written consent of the Landlord, Tenant, at the option of Landlord, shall
be deemed to be occupying the Demised Premises as a tenant from month to month,
at a monthly Rent equal to the then fair market rent, as solely determined by a
broker of the Landlord's choosing plus all charges, costs, fees, expenses,
claims and damages incurred by the Landlord as a result of Tenant's failure to
surrender the Demised Premises upon termination of this Lease, subject to all of
the other terms and conditions of this Lease insofar as the same are applicable
to a month-to-month tenancy. Tenant hereby agrees to indemnify and hold harmless
the Landlord against and from any and all liabilities, obligations, damages,
claims, costs, charges and expenses, including but not limited to, penalties,
fines, court costs and attorney's fees incurred in connection with or arising
from any cause in connection with Tenant's occupation of the Demised Premises
after the Termination Date or sooner termination of this Lease, including, but
not limited to, any claims made by a succeeding tenant founded on such delay.
Acceptance by the Landlord of Rent after such termination shall not constitute a
renewal of this Lease or a consent to such occupancy, nor shall it waive the
Landlord's right to re-entry or any other right contained herein.
16.02 Tenant's obligations under this Article shall survive the
termination of this Lease.
28
ARTICLE 17
Quiet Enjoyment and Subordination
17.01. The Landlord covenants that if, and so long as, Tenant pays all of
the Rent due hereunder, and keeps and performs each and every term and condition
herein contained on the part and on behalf of Tenant to be kept and performed,
Tenant shall lawfully, peaceably and quietly have, hold and enjoy the Demised
Premises without hindrance, ejection or molestation by the Landlord or by any
other person lawfully claiming the same.
17.02. This Lease is and shall be subject and subordinate to all ground or
underlying leases which may now or hereafter affect the real property of which
the Demised Premises form a part and to all mortgages which may now or hereafter
affect such leases or such real property and to all renewals, modifications,
replacements and extensions thereof.
29
ARTICLE 18
Quiet Enjoyment and Subordination
18.01. The Landlord covenants that if, and so long as, Tenant pays all of
the Rent due hereunder, and keeps and performs each and every term and condition
herein contained on the part and on behalf of Tenant to be kept and performed,
Tenant shall lawfully, peaceably and quietly have, hold and enjoy the Demised
Premises without hindrance, ejection or molestation by the Landlord or by any
other person lawfully claiming the same.
18.02. This Lease is and shall be subject and subordinate to all ground or
underlying leases which may now or hereafter affect the real property of which
the Demised Premises form a part and to all mortgages which may now or hereafter
affect such leases or such real property and to all renewals, modifications,
replacements and extensions thereof.
30
ARTICLE 19
Brokerage
19.01 Tenant represents and warrants that it neither consulted nor
negotiated with any broker or finder with regard to the rental of the Demised
Premises from the Landlord. Tenant agrees to indemnify and hold the Landlord
harmless from any damages, costs and expenses suffered by the Landlord by reason
of any breach of the foregoing representation. The Landlord shall have not
liability for brokerage commissions arising out of any sublease or assignments
by Tenant and Tenant shall and does hereby indemnify the Landlord and hold the
Landlord harmless from any and all liabilities for brokerage commissions arising
out of any such sublease or assignment.
31
ARTICLE 20
Defaults, Remedies and Right to Cure
20.01 If either party shall default in the performance of any term or
condition herein contained, the other party, without thereby waiving such
default, may perform the same for the account and at the expense of the
defaulting party without notice in case of emergency and in any other case if
such default continues after five (5) days from the period to cure as set forth
below by the giving of written notice of intention so to do. Bills for any
reasonable and necessary expense incurred by either party for the account of the
other and reasonable and necessary bills for all costs, expenses and
disbursement, including (without being limited to) reasonable counsel fees,
incurred in enforcing or endeavoring to enforce any rights under or in
connection with this Lease or pursuant to law are payable by the defaulting
party with fifteen (15) days of notice to defaulting party and if not paid when
due, the amounts thereof shall immediately become due and payable together with
interest thereon at the maximum rate permitted by law from the date the said
bills should have been paid in accordance with their terms.
20.02 If at any time during the Term of this Lease any or all of the
following events occur such shall constitute a default and breach of this Lease
by Lessee: (a) the vacating or abandonment of the Demised Premises or the
cessation of Tenant's business on the Demised Premises; (b) failure of Tenant in
the payment of Rent and such failure shall continue for five (5) days after
notice thereof from the Landlord; (c) failure of Tenant in the observation or
performance of any of the covenants, conditions or provisions under this Lease
other than that described in (b) above and if such default shall continue for
five (5) days after notice thereof from the Landlord, specifying in what manner
Tenant has defaulted; (d) the making by Tenant of any general assignment or
general assignment for the benefit of creditors, or by the filing by or against
Tenant of a petition to have Tenant adjudged bankrupt (except in an involuntary
petition, as long as such petition is vacated or withdrawn within ninety (90)
days after filing of such), or a petition or reorganization or arrangement under
any law relating to bankruptcy or the appointment of a trustee or receiver to
take possession of Tenant's assets by reason of the insolvency of Tenant (except
where such receiver shall be appointed in an involuntary proceeding, as long as
the receiver is withdrawn within ninety (90) days of his appointment) or
attachment, execution or other judicial seizure of Tenant's assets or of
Tenant's interest in this Lease; then the Landlord, as applicable, shall have
the following remedies: (a) to cure and add such amounts required to cure the
default, including any ancillary cost thereof, including, but not limited to,
attorney's fees, disbursement and court costs, to additional rent; (b) seek
damages pursuant to Article 22 herein; and (c) terminate this Lease by giving
ten (10) days notice to terminate if the default is continuing and Tenant has
failed to cure.
32
ARTICLE 21
Re-Entry by the Landlord
21.01 If this Lease shall expire or terminate prior to the Expiration Date
due to a Tenant Default or as a result of a casualty or condemnation, the
Landlord or the Landlord's agents and employees may, possess or repossess the
Demised Premises either by summary dispossess proceedings, ejection or by any
suitable action or proceeding at law, or by agreement. The words possess or
repossess as herein used are not restricted to their technical legal meaning. In
the event of any termination of this Lease, other than as permitted to Tenant
under this Lease or of re-entry by summary dispossess proceedings, ejection or
by any suitable action or proceeding at law or by agreement or otherwise by
reason of default hereunder on the part of Tenant, Tenant shall thereupon pay to
the Landlord the Rent due up to the time of such termination of this Lease or of
such recovery of possession of the Demised Premises by the Landlord as the case
may be.
21.02 In the event of any breach by Tenant of any of the term or condition
contained in this Lease, the Landlord shall be entitled to enjoin such breach
and shall have the right to invoke any right and remedy allowed at law or in
equity or by statute or otherwise.
21.03 Each right and remedy of the Landlord provided for in this Lease
shall be cumulative and shall be in addition to every other right or remedy
provided for in this Lease or now or hereafter existing at law or in equity or
by statute or otherwise and the exercise or beginning of the exercise by the
Landlord of any one or more of the rights or remedies provided for in this Lease
or now or hereafter existing at law or in equity or by statute or otherwise
shall not preclude the simultaneous or later exercise by the Landlord of any or
all other rights or remedies provided for in this Lease or now or hereafter
existing at law or in equity or by statute or otherwise.
33
ARTICLE 22
Damages
22.01 If this Lease is terminated or if the Landlord shall re-enter the
Demised Premises under the provisions of this Lease or in the event of re-entry
by summary dispossess proceedings, ejection or by any suitable action or
proceeding at law in each case, by reason of default hereunder on the part of
Tenant, Tenant shall pay to the Landlord as damages, sums equal to the Rent (as
above presumed) payable hereunder which would have been payable by Tenant had
this Lease not so terminated or had the Landlord not so re-entered the Demised
Premises, payable monthly but otherwise upon the terms therefore specified
herein following such termination or such re-entry and until the expiration of
the Term, provided, however, that the Landlord shall use its best efforts to
relet the Demised Premises or any portion or portions thereof during said period
at the then current fair market rental, the Landlord shall credit Tenant with
the net rents received by the Landlord from such reletting, such net rents to be
determined by first deducting from the gross rents and when received by the
Landlord from such reletting the reasonable expenses incurred or paid by the
Landlord in terminating this Lease or in re-entering the Demised Premises and in
securing possession thereof, as well as the reasonable expenses of reletting,
including altering and preparing the Demised Premises or any portion or portions
thereof for new tenants, broker's commissions, advertising expenses, attorney's
fees and all other reasonable expenses properly chargeable against the Demised
Premises and the rental therefrom. If the Demised Premises or any part thereof
should be relet in combination with other space then proper apportionment shall
be made of the rent received from such reletting and of the expenses of
reletting.
22.02 Suit or suits for the recovery of such damages, or any installments
thereof, may be brought by the Landlord from time to time at its election and
nothing contained herein shall be deemed to require the Landlord to postpone
suit until the date that the Term would have expired if it had not been so
terminated or had the Landlord not re-entered the Demised Premises.
22.03 Anything in this Lease to the contrary notwithstanding, if either
party shall at any time be in default hereunder, and if the aggrieved party
shall institute an action or summary proceeding against the defaulting party
based upon such default, and it is reasonably prudent for the aggrieved party to
contact counsel, then the defaulting party shall reimburse the aggrieved party
if the aggrieved party is successful in its action for the reasonable expenses
of attorney's fees and disbursements thereby incurred by the aggrieved party.
34
ARTICLE 23
Arbitration
23.01 The Landlord may at any time request arbitration and Tenant may at
any time, when it is not in default in the payment of any Rent or additional
rent, request arbitration if a dispute arises in connection with a provision of
this Lease which is non-monetary in nature. Such dispute shall be resolved by
arbitration in Stamford, Connecticut in accordance with the commercial
arbitration rules of the American Arbitration Association and the provisions of
this Lease by three (3) arbitrators each of whom shall have at least ten (10)
years experience in the supervision, operation and management of major office or
commercial buildings.
23.02 The party requesting arbitration shall do so by giving notice to
that effect to the other party specifying the nature of the dispute. The cost,
expenses and fees incurred by the prevailing party shall be paid by the
non-prevailing party. Should there be no prevailing party, the arbitrators shall
determine the apportionment of such costs, expenses and fees. The decision and
award of the arbitrators shall be in writing, shall be final and conclusive on
the parties and counterpart copies thereof shall be delivered to each of the
parties. In rendering the decision and awards, the arbitrators shall not add to,
subtract from or otherwise modify the provisions of this Lease. Judgment may be
had on the decision and award of arbitrators so rendered in any court of
competent jurisdiction.
35
ARTICLE 25
No Other Waivers or Modifications
25.01 The Landlord and Tenant mutually covenant and agree that the failure
of the Landlord to declare any default immediately upon occurrence thereof, or
delay in taking any action in connection therewith or acceptance of Rent after
occurrence thereof, shall not waive such default but the Landlord shall have the
right to declare any such default at any time and take such action as might be
lawful or authorized, either in law or at equity. The receipt by the Landlord of
rent from any assignee, sublessee or other occupant of the Demised Premises
shall not be deemed a waiver of the terms of this Lease prohibiting such
assignment or subleasing or any acceptance of such assignee, sublessee or other
occupant or a release of Tenant from the further observance of all terms and
covenants hereof.
The failure of either party to insist (in any one or more instances) upon
the strict performance of any one or more of the terms or conditions of this
Lease or to exercise any right, remedy or election herein contained shall not be
construed as a waiver or relinquishment for the future of the performance of
such one or more obligations of this Lease or of the right to exercise such
election but the same shall continue and remain in full force and effect with
respect to any subsequent breach, act or omission. No agreement hereafter made
between the Landlord and Tenant shall be effective to change, modify, waive,
release, discharge, terminate or effect any abandonment of this Lease in whole
or in part unless such agreement is in writing, refers expressly to this Lease
and is signed by the party against whom enforcement of the change, modification,
waiver, release, discharge or termination or effectuation of the abandonment is
sought.
25.02 The following specific provision of this Section shall not be deemed
to limit the generality of the foregoing provisions of this Article:
(a) No agreement to accept a surrender of all or any part of the Demised
Premises prior to the end of the Term shall be valid unless in writing in
form acceptable to the Landlord.
37
ARTICLE 26
Estoppel Certificate
26.01 Tenant and Landlord agree, at any time and from time to time, during
the Term, upon not less than thirty (30) days prior notice from the other, to
execute, acknowledge and deliver to the other a statement in writing addressed
to the other:
(i) that this Lease is in full force and effect;
(ii) that Tenant knows of no default hereunder on the part of the Landlord
or if it has reason to believe that such a default exists, the nature thereof in
reasonable detail;
(iii) the amount of the Rent being paid and the last date to which Rent
has been paid;
(iv) that this Lease has not been modified, or if it has been modified,
the terms and date of such modifications;
(v) that the terms of this Lease has been commenced;
(vi) the Commence and Expiration Dates;
(vii) whether all work to be performed by the Landlord has been completed;
(viii) whether the Renewal Term options, if any, has been exercised;
(ix) whether there exist any claims or deductions from or defense to the
payment of Rent;
(x) stating whether or not the other has knowledge that the requesting
party is in default in the performance of any term or condition contained in
this Lease and if the other has knowledge of such default, specifying each such
default;
(xi) stating the address to which notice shall be sent;
(xii) such other matters as may be reasonably requested by the requesting
party.
26.02. If Tenant fails to execute and deliver to the Landlord a completed
certificate as required under this Section, Tenant hereby appoints the Landlord
as its attorney-in-fact to execute and deliver such certificate for and on
behalf of Tenant.
38
ARTICLE 27
Landlord's Representation
27.01 As of the Commencement Date, to the knowledge of Landlord, there
will be no material defects in the heating, ventilating, air conditioning,
electrical, plumbing, elevator, telephone, mechanical and other building
systems, exterior walls, roofs, windows and other structural elements of the
premises, real property or the improvements located upon the demised premises.
27.02 Landlord has received all licenses, permits and authorizations
(including, without limitation, occupancy permits) necessary to use, occupy and
operate the premises for the purposes for which they are now used, occupied and
operated, and such licenses, permits and authorizations are now in full force
and effect and are fully transferable to the Tenant at no charge (except
customary, minor filing fees or similar minor charges or costs).
39
ARTICLE 28
Recording of Lease
28.01 Tenant covenants and agrees that Tenant shall not record or permit
to be recorded this Lease or any memorandum thereof without obtaining the
Landlord's express prior written consent.
40
ARTICLE 29
No Other Representations, Construction, Governing Law
29.01 This Lease supersedes and revokes all previous negotiations,
arrangements, letters of intent, offers to lease, lease proposals, brochures,
"Representations" (meaning covenants, promises, assurances, agreements,
representations, conditions, warranties, statements and understanding), and
information conveyed, whether in writing, between the parties hereto or their
respective representatives or any other persona purporting to represent the
Landlord or Tenant. Tenant expressly acknowledges and agrees that the Landlord
has not made and is not making, and Tenant, in executing and delivering this
Lease, is not relying upon and has not been induced to enter into this Lease by
any Representations except to the extent that the same are expressly set forth
in this Lease or in any other written agreement which may be made and executed
between the parties concurrently with the execution and delivery of this Lease
and shall expressly refer to this Lease and not such Representations not so
expressly herein set forth shall be used in the interpretation or construction
of this Lease and the Landlord shall have no liability for any consequences
arising as a result of any such Representations not so expressly herein set
forth.
This Lease contains the entire agreement between the parties and all prior
negotiations and agreements are merged into this Lease. This Lease may not be
changed, modified terminate or discharged, in whole or in part, nor any of its
provisions waived except by a written instrument which (i) expressly refers to
this Lease, and (ii) is executed by the party against whom enforcement of this
change, modification, termination, discharge or waiver is sought.
29.01 If any of the provisions of this Lease, or the application thereof
to any person or circumstances shall to any extent be invalid or unenforceable,
the remainder of this Lease or the application of such provisions to persons or
circumstances other than those as to whom or which it is held invalid or
unenforceable shall not be affected thereby and every provision of this Lease
shall be valid and enforceable to the fullest extent permitted by law.
29.02 The laws of the State of Connecticut applicable to contracts made
and to be performed wholly within the State of Connecticut shall govern and
control the validity, interpretation, construction, performance and enforcement
of this Lease without giving effect to the principles of Conflict of Laws and
shall apply to any dispute or controversies arising out of or pertaining to this
Lease.
41
ARTICLE 30
Parties Bound
30.01 The obligations of this Lease shall bind and benefit the successors
and assigns of the parties with the same effect as if mentioned in each instance
where a party name referred to. However, the obligations of the Landlord under
this Lease shall not be binding upon the Landlord herein named with respect to
any period subsequent to the transfer of its interest in the Building as owner
thereof and in the event of such transfer said obligations shall thereafter be
binding upon each transferee of the interest of the Landlord herein named as
such owner or lessor of the building but only with respect to obligations
arising during the period commencing with such transfer and ending with a
subsequent transfer within the meaning of this Article, and such transfer by
accepting such interest shall be deemed to have assumed such obligations except
only as may be expressed otherwise provided elsewhere in this Lease.
30.02 Delivery of this Lease to Tenant for execution shall not constitute
a reservation of or option for the Demised Premises or an offer by the Landlord
to lease the Demised Premises and this Lease shall not be binding and effective
until executed by both parties hereto.
42
ARTICLE 31
Authority to Enter into Lease
If Tenant is a corporation, each individual executing this Lease on behalf
of the corporation represents and warrants that he is duly authorized to execute
and deliver this Lease on behalf of the corporation, in accordance with a duly
adopted resolution of the Board of Directors of said corporation or in
accordance with the by-laws of said corporation, and that this Lease is binding
on the corporation in accordance with its terms. If Tenant is a partnership,
each individual executing this Lease on behalf of the partnership represents and
warrants that he is duly authorized to execute and deliver this Lease on behalf
of the partnership, in accordance with the partnership agreement and any
statements of partnership or certificates of limited partnership of the
partnership, and that this Lease is binding on the partnership in accordance
with its terms. Tenant shall, within thirty (30) days of the execution of this
Lease, deliver to Landlord: (a) if Tenant is a corporation, a certified copy of
a resolution of the Board of Directors of the corporation; or (b) if Tenant is a
partnership, a copy of the Statement of Partnership or Certificate of Limited
Partnership of tenant; and (c) other evidence reasonably satisfactory to
landlord authorizing or ratifying the execution of this Lease.
43
ARTICLE 32
Notices - Service of Process
32.01 Any notice, consent, approval, request, communications, bill, demand
or statement provided for hereunder by either party to the other party shall be
deemed to have been given upon receipt or refusal, when given writing and sent
by United States mail, certified, return receipt requested or deemed to have
been duly given upon receipt or refusal, if delivered personally by hand,
established, reputable courier or overnight courier, addressed to such other
party together with copies as shown below, which address for the Landlord shall
be Warren Properties, Box 469114, Escondido, California 92046-9114, and for
Tenant, shall be Union State Bank, 100 Dutch Hill Road, Orangeburg, New York
10962. Either party may at any time change the address for such notices,
consents, approvals, request, copies, communications, bills, demands or
statements (or copies thereof) by delivery or mailing as aforesaid to the other
party a notice stating the changed address.
32.02 Whenever either party shall consist of more than one person or
entity, any notice, statement, demand or other communication required or
permitted and any payment to be made shall be deemed duly given or paid if
addressed to or by (or in the case of payment by check to the order of) any one
of such persons or entities who shall be designed from time to time as the
authorized representative of such party. Such party shall promptly notify the
other of the identity of such person or entity who is so to act on behalf of all
persons and entities then comprising such party and of all changes in such
identity.
32.03 Tenant shall give notice to the Landlord promptly after Tenant
learns thereof, (i) of any accident in or about the Demised Premises or the
Building, (ii) of all fires in the Demised Premises, and (iii) of all damages to
or defects in the Demised Premises, including the fixtures, equipment and
appurtenances thereof, for the repair of which the Landlord might be responsible
or which constitutes the Landlord's property.
44
ARTICLE 33
Miscellaneous Provisions
33.01 The Article headings and captions or legends in this Lease prefixed
to this Lease are inserted only as a matter of convenience or reference and are
not to be given any effect whatsoever.
33.02 It is agreed and understood that any Exhibits and Schedules attached
hereto form an integral part of this Lease and are hereby incorporated by
reference.
33.03 The Landlord and its agents shall have the right to enter and/or
pass through the Demised Premises: (a) to examine the Demised Premises and to
show them to actual and prospective superior lessors, superior mortgagees or
prospective purchasers, mortgagees or lessees of the Building; and (b) to make
such repairs, alterations, additions and improvements in or to the Demised
Premises and/or in or to the Building or its facilities and equipment as the
Landlord is required or desires to make. The Landlord shall be allowed to take
all materials into and upon the Demised Premises that may be required in
connection therewith without any liability to Tenant and without any reduction
of Tenant's covenants and obligations hereunder.
33.04 Tenant and its employees and agents shall faithfully observe and
strictly comply with the rules and regulations as may be provided by Landlord
and such reasonable changes therein (whether by modification, elimination or
addition) as the Landlord hereafter may make and communicate in writing to
Tenant which do not unreasonably affect the conduct of the permitted use of the
Demised Premises (the "Rules and Regulations"). Tenant's rights to dispute the
reasonableness of any changes in the Rules and Regulations shall be deemed
waived unless asserted by notice to Landlord within thirty (30) days after the
date upon which the Landlord shall have given notice to Tenant of the adoption
of any such changes in which case such dispute shall be determined by
arbitration pursuant to Article 23. In case of any conflict or inconsistency
between the provisions of this Lease and any Rules and Regulations as originally
promulgated or as changed, the provisions of this Lease shall control. The
Landlord shall have no duty or obligation to enforce any Rules or Regulation or
any term, covenant or condition of any other lease against any other tenant or
occupant of the Building, and Landlord shall have no liability to Tenant for any
violation of the same by any other tenant or occupant of the Building; however,
if such rules and regulations shall be enforced, such rules and regulations
shall be enforced uniformly and on a nondiscriminatory basis.
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ARTICLE 34
Renewal Terms
The term of this Lease may be extended, at the option of the Tenant, for
three (3) additional periods of five (5) years (referred to herein as "Renewal
Terms").
The option to renew shall be exercised by Tenant by written notice to the
Landlord not more than twelve (12) months nor less than six (6) months prior to
the expiration of the then existing term.
Each renewal term shall be on the same terms, covenants and conditions set
forth in this Lease provided, however, the annual rental for each renewal term
shall be at fair market value determined as follows:
(a) By mutual agreement of the Landlord and Tenant; or
(b) In the event Landlord and Tenant are unable to agree on fair market
value as of the date of the renewal, then, in such event, Landlord and Tenant
shall respectively designate one appraiser/real estate professional, each having
knowledge and experience in commercial leases in the Stamford, Connecticut area.
The designated representatives of the Landlord and Tenant shall jointly
designate a third appraiser/real estate professional. Such third person shall
provide a written opinion as to the market value based upon an analysis of the
market conditions as of the date set for renewal and such person's opinion as to
the annual rental shall be final and binding on both the Landlord and the Tenant
The annual rental shall be increased on the first date of each renewal
term in accordance with the foregoing.
IN WITNESS WHEREOF, the parties hereto have executed this Lease the day
and year first above written.
UNION STATE BANK, Tenant
Landlord
By:_________________________________ By:___________________________________
46
LEASE
AGREEMENT OF LEASE, made as of ___________, 2000, between 00 XXXX 00XX
XXXXXX, L. L.C., (hereinafter the Landlord) having an office at Xxxxxx
Properties. Xxx 000000, Xxxxxxxxx, Xxxxxxxxxx 00000-0000 and UNION STATE BANK,
having its principal place of business located at 000 Xxxxx Xxxx Xxxx,
Xxxxxxxxxx, Xxx Xxxx 00000 (hereinafter the Tenant)
ARTICLE 1
Definitions
1 1.01 The following terms shall have the meanings set forth opposite each
of them:
"Access" Tenant shall have unrestricted and unimpeded
entry to the Demised Premises and Tenant
shall have access to the Demised Premises 24
hours per day, 7 days per week.
"Building": The building erected on the Real Property and
located at 00 Xxxx 00xx Xxxxxx, in the
Borough of Manhattan, City of New York, State
of New York.
"Commencement Date" Such date as the Landlord shall deliver
possession of the Demised Premises to Tenant
and all regulatory approvals for a Banking
branch have been obtained.
"Demised Premises" The space(s) on the first (1st) floor of the
Building consisting of 1,700 square feet and
1,600 square feet in the basement
substantially as shown on the floor plan
attached hereto as Exhibit "A".
"Expiration Date" __________________,2005 or ending on an
earlier or later date that this Lease may
expire or be canceled or terminated or
renewed pursuant to the terms of this Lease.
"Annual Rent" The annual rent during the Initial Term shall
be One Hundred Thousand ($100,000.00)
Dollars.
"Initial Term" A period of five (5) years beginning on the
"Commencement Date."
"Permitted Use" The Demised Premises shall be used for
general banking operations, executive and
clerical general offices
1
only and for no other purpose.
"Real Property" Shall be the land upon which the building
stands, the Building, and the land (and the
improvements thereon, adjoining the Building)
forming part of the same tax lot or lots as
those of the land on which the Building
stands and in which the demised premises are
located.
"Rent Year" The period commencing on the Commencement
Date and ending with the day preceding the
first anniversary of such Commencement Date.
"Structural" Shall mean the parts of the Building which
are integral to the structure of the
Building, which includes: stairwells and
towers; foundations; subflooring; column
supports; load bearing walls; roofs; exterior
walls above and/or below grade; fire escapes;
and any building member integral to the
support of the Building.
"Tenant's Floor Space" The total number of rentable square feet of
space in the Demised Premises is 3,300 square
feet.
"Renewal Term" The period beginning on the day after the
first expiration date and ending at 11:59
p.m. on the Date which is five (5) years
after commencement of the renewal term.
2
ARTICLE 2
Demised Premises
2.01 The Landlord hereby leases to Tenant and Tenant hereby hires from the
Landlord the Demised Premises for the Term for the Rent hereinafter reserved and
upon and subject to the conditions (including limitations restrictions and
reservations) and covenants hereinafter provided. Each party hereto agrees to
observe and perform all of the conditions and covenants herein contained on its
part to be observed and performed.
2.02 The general location, size and layout of the Demised Premises are
outlined on Exhibit "A".
2.03 Neither Landlord nor Tenant shall cause or allow any undue waste on
the Demised Premises and shall comply with all applicable laws and ordinances
respecting the use and occupancy of the Demised Premises relating to matters not
specifically set forth in this lease. Tenant shall keep the Demised Premises
free and clear of all liens and encumbrances.
2.04 It is expressly understood and agreed that the commencement of this
Lease and the obligations of the Tenant hereunder are expressly subject to and
conditioned upon Tenant obtaining all necessary regulatory approvals for the
establishment of a full service banking branch at the location of the Demised
Premises and is further subject to all of the terms and conditions set forth in
a certain Asset Purchase Account Assumption Agreement by and between Tenant and
La Jolla Bank dated May ,2000 which is incorporated herein by reference thereto.
Tenant hereby agrees to diligently and in good faith make all required
applications and take all action necessary to obtain said approvals and
otherwise satisfy all terms and conditions of the Asset Purchase Account
Assumption Agreement. In the event such approvals shall be denied, for any
reason whatsoever or the Asset Purchase Account Assumption Agreement is
terminated pursuant to the terms of said Agreement, for any reason, this Lease
Agreement shall be at an end and neither party shall have any further obligation
hereunder.
3
ARTICLE 3
Use
3.01 Tenant's use of the Demised Premises shall be limited to the
Permitted Use. The Permitted Use of the Demised Premises for the purposes
specified in Article 1 hereof shall not in any event be deemed to include and
Tenant shall not suffer or permit the Demised Premises or any part thereof to be
used in any manner, or do anything or suffer or permit anything to be brought
into or kept therein any illegal, or ultra-hazardous activity, whether within or
outside the scope of the business of Tenant or which would in any way (i)
violate any laws, codes, statutes, or rules or requirements of public
authorities, (ii) make void or voidable any fire or liability insurance policy
in force upon the Commencement Date with respect to the Building, (iii) make
unobtainable from reputable insurance companies authorized to do business in New
York State at standard rates any fire insurance with extended coverage, or
liability, elevator or boiler or other insurance required to be furnished by the
Landlord under the terms of this Lease, (iv) discharge objectionable fumes,
vapor or odors into the Building air conditioning system or into Building flues
or vents not designated to receive them or otherwise in such manner as may
unreasonably offend other occupants or (v) shall allow any animals or birds be
brought in or kept in or about the Demised Premises or the Building, unless such
animal is a "service" or "helping" animal accompanying, or in training to
service a person with a "disability" as defined by the Americans with
Disabilities Act of 1990 or a guide dog or hearing-aid dog. The Landlord shall
not make any provisions for the supervision or care of such animals.
3.02 The Landlord hereby grants the Tenant the right to place banners,
flags, balloons and similar promotional material on the exterior of the Demised
Premises to advertise the opening of its Bank Office. Additionally, Landlord
agrees that it will not unreasonably withhold its consent to place banners,
flags, balloons and similar promotional material on the exterior of the demised
premises at various time intervals for promotional purposes.
3.03 If any governmental license or permit, other than a certificate of
occupancy or certificate of use, shall be required for the proper and lawful
conduct of Tenant's business in the Demised Premises, or any part thereof, and
if failure to secure such license or permit would in any way affect the
Landlord, then Tenant, at its expense, shall duly procure and thereafter
maintain such license or permit, but in no event shall failure to procure and
maintain same by Tenant affect Tenant's obligations hereunder. Tenant shall not
at any time use or occupy, or suffer or permit anyone to use or occupy the
Demised Premises or do or permit anything to be done in the Demised Premises in
violation of the certificate of occupancy for the Demised Premises or for the
Building.
3.04 Tenant agrees to use, occupy, operate and maintain the Demised
Premises throughout the term, as a dignified first-class, high quality
establishment and in a manner which shall not detract from the character,
appearance or dignity of the Building. Tenant shall have the right to install
any exhibition, display (window or otherwise), or advertisement in or with
respect to the Demised Premises or any part thereof, including any article,
sign, poster or material. All window displays shall be kept neat, orderly and
fresh in appearance. Tenant agrees not to (i) conduct or permit any fire,
auction, going-out-of-business or bankruptcy sale in the Demised premises, (ii)
engage in any unethical method of business operation, (iii) use or operate the
Demised Premises as a so-called "discount house" or for "cut rate" or "discount"
type of business, (iv) use or permit to be used the
4
sidewalks or other space outside the Demised Premises for the display, sale or
similar undertaking or storage, (v) use or permit to be used any loudspeaker,
phonograph or other sound system or advertising devise which may be heard
outside the Demises Premises, or (vi) distribute or permit to be distributed
handbills or other matter to customers outside the Demised Premises. Tenant, at
its sole cost and expense, shall comply with and remain in compliance with all
applicable laws, codes, statutes, rules or requirements of public authorities or
changes in governmental policy, including, without limitation, the requirements
of the Occupational, Safety and Health Act, as they apply to Tenant's use and
occupancy of the Demised Premises. Tenant shall not place a load upon any floor
of the Demised Premises which exceeds the floor load per square foot area which
such floor was designed to carry.
3.05 Tenant acknowledges that the Landlord's damages resulting from any
breach of the provisions of this Article are difficult, if not impossible, to
ascertain and concedes that, among other remedies for such breach permitted by
law or the provisions of this Lease, the Landlord shall be entitled to enjoin
Tenant from any violation of said provisions.
5
ARTICLE 4
Rent
4.01 Whenever used in this Lease, the terms (insofar as it pertains to
this Lease) "The annual rent", "minimum rent", "base rent" or "basic rent",
shall mean Annual Rent; and whenever used in this Lease, the term (insofar as it
pertain to this Lease) "rent", "rental", "Rent", or the plural of any of them,
shall mean Annual Rent.
4.02 Tenant shall pay to the Landlord in lawful money of the United States
of America, at the office of the Landlord as specified in the preamble hereof or
at such other place as the Landlord may designate, the Annual Rent reserved
under this Lease for each year of the Term, payable in equal monthly
installments in advance and received by the first day of each and every calendar
month during the Term. Tenant shall pay Rent as hereinafter defined, without
notice, demand, deduction, abatement, set-off or counterclaim, at the office of
the Landlord at the address indicated on the face of the Lease or at such other
place or to such agent and at such place as the Landlord may designate from time
to time.
4.03 The Annual Rent for each year of the Initial Term of this Lease shall
be One Hundred Thousand and 00/100 ($100,000.00) Dollars payable in equal
installments of Eight Thousand Three Hundred Thirty-Three and 33/100 ($8,333.33)
Dollars per month commencing on the Commencement Date.
4.04 Tenant shall pay the Annual Rent promptly as and when the same shall
become due and payable under this Lease. If the Commencement Date shall occur on
a day other than the first day of the calendar month, the Rent shall be prorated
for the period from the Commencement Date to the last day of the said calendar
month and shall be due and payable on the Commencement Date.
4.05 Installments of rent shall be due and iavable on the 1st day of each
and every month during the term of this Lease. If any installment of rent has
not been paid within ten (10) days from the due date, Tenant agrees to pay a
late fee in an amount equal to 5% of the monthly installment of rent.
6
ARTICLE 5
Repairs, Operating, Maintenance, Services and Utilities
5.01 Landlord shall maintain the Building and real property in which the
Demised Premises are located and make repairs, restorations, and replacements to
the Building and real property, including, without limitation, mechanical,
electrical, and plumbing systems, structural roof, walls and foundations and the
fixtures and appurtenances to the Demised Premises, snow and ice removal and
landscaping all as and when needed to preserve them in good and safe working
order and condition and regardless of whether the maintenance, repairs,
restorations and replacements are ordinary or extraordinary, foreseeable or
unforeseeable, capital or noncapital, and not the fault of Tenant, its agents,
employees, invitees, visitors, or contractors. All repairs, restorations and
replacements will be in quality and class equal to the original work or
installations. If Landlord fails to maintain or to make repairs, restorations or
replacements, Tenant may make them at the expense of Landlord and such expense
will be paid or credited as rent to Tenant within fifteen (15) days after
delivery of a statement for the expense.
5.02 Tenant shall pay directly all of the costs and expense with respect
to its equipment, services and personnel for protection and security; alarm
service; maintenance, repairs, replacements and improvements which are
appropriate for the continued operation of the Demised Premises; rental (or
depreciation) of equipment used in cleaning and maintenance; painting and
decoration of the Demised Premises; fire, extended coverage, special extended
coverage, owner's protective and other casualty coverage, public liability and
umbrella liability and property damage, rent or rental value and plate glass
insurance and any other insurance which the Tenant may deem necessary; supplies,
wages, salaries, disability benefits, pensions, hospitalization, retirement
plans, and group insurance and other indirect expenses respecting employees of
the Tenant and the Tenant's contractors up to and including the grade of the
Building.
5.03 Landlord Services and Utilities -- Landlord shall furnish to the
premises water, plumbing and HVAC for the comfortable use and occupancy of the
Premises and janitorial services for the common areas and shall keep lighted the
common stairs, entries and restrooms in the Building at no cost to Tenant.
5.04 Tenant shall be reponsible for paying all charges in connection with
electricity supplied to the Demised Premises which are sub-metered and will be
billed directly to Tenant.
7
ARTICLE 6
Alterations
6.01 For the purposes of this Lease, the term "Alterations" shall include,
but not be limited to any changes, work or improvements to the floors, walls and
ceiling of the Demised Premises.
6.02 The Landlord's consent shall not be required for minor changes to the
Demised Premises such as painting and installation of cabinets and shelves. All
other renovations, additions, installations, improvement and/or alterations of
any kind or nature in the Demised Premises (herein "Tenant's Changes") shall
require the prior written consent of the Landlord thereto which, in the case of
non-structural interior Tenant's Changes, the Landlord agrees not to
unreasonably withhold, delay or defer. In granting its consent to any Tenant's
Changes, the Landlord may impose such conditions (as to guarantee of completion,
payment, restoration and otherwise) as the Landlord may reasonably require. The
Landlord agrees to respond to Tenant's request for approval of Tenant's Changes
within thirty (30) days after the Landlord's receipt of Tenant's written request
for the Landlord's consent and all plans and other information reasonably
required by the Landlord to evaluate Tenant's Changes. Tenant shall cause
drawings and specifications to be prepared for, and shall cause to be performed,
the construction of Tenant's Changes in accordance with all applicable laws,
ordinances and regulations of all duly constituted authorities, including,
without limitation, Title III of the Americans with Disabilities Act of 1990,
all regulations issued thereunder and the Accessibility Guidelines for Buildings
and Facilities issued pursuant thereto, as the same are in effect on the date
hereof and may be hereafter modified, amended or supplemented. Any request by
the Landlord for plans and other information required to evaluate Tenant's
Changes shall not be unreasonably delayed. In no event shall the Landlord be
required to consent to any Tenant's Change which would physically affect any
part of the Building outside of the Demised Premises or would adversely affect
the proper functioning of the mechanical, electrical, sanitary or other service
systems of the Building. At any time Tenant requests the Landlord's written
consent to any Tenant's Changes, Tenant shall deliver to the Landlord detailed
plans and specifications therefor. Tenant shall pay to the Landlord any out of
pocket expenses incurred by the Landlord in connection with the Landlord's
submitting such plans and specifications, if it so chooses, to an architect or
engineer selected by the Landlord for review or examination, an/or for
supervision during performance of Tenant's Changes. The Landlord's approval of
any plans or specifications does not relieve Tenant from the responsibility for
the legal sufficiency and technical competency thereof. Tenant before
commencement of any Tenant's Changes shall:
1. Obtain the necessary consents, permits, authorizations and
licenses from all federal, state, city or municipal authorities having
jurisdiction over such work;
2. Furnish to the Landlord a certificate or certificates of Worker's
Compensation Insurance covering all persons who will perform Tenant's Changes
for Tenant or any contractor, subcontractor or other person;
3. Furnish to the Landlord an original policy of public liability
insurance (or certificate thereof) covering the Landlord in limits of not less
than TWO MILLION ($1,000,000.00) dollars for injuries or damages to person
and property, frbm a company approved by the Landlord. Such policy shall be
maintained at all times during the progress of Tenant's
8
Changes and until completion thereof, and shall provide that no cancellation or
material alteration shall be effective unless thirty (30) days prior written
notice has been given to the Landlord.
Tenant agrees to indemnify defend and save the Landlord harmless from and
against any and all bills for labor performed and equipment, fixtures and
materials furnished to Tenant and applicable sales taxes thereon as required by
New York State and from and against any and all liens, bills or claims therefor
or against all losses, damages, costs, expenses, suits and claims whatsoever in
connection with Tenant's Changes. The cost of Tenant's Changes shall be paid for
in cash or its equivalent, so that the Demises Premises and the Building shall
at all times be free of liens for labor and materials supplied or claimed to
have been supplied.
Tenant, at its expense, shall cause Tenant's Changes consented to by the
Landlord to be performed in compliance with all applicable requirements of
insurance bodies having jurisdiction and in such manner as not to interfere
with, delay or impose any additional expense upon the Landlord in the
maintenance or operation of the Building and so as to maintain harmonious labor
relations in the Building.
6.03 Landlord hereby consents to installation of ATM machines with or
without twenty-four (24) hour public access which shall be installed by Tenant,
at its sole cost and expense. Tenant shall make all required applications for
approvals, as necessary, from regulatory agencies having jurisdiction as well as
any approvals or permits necessary from the City of New York or any municipal
agency having jurisdiction over same. In connection with the foregoing, Landlord
shall cooperate with Tenant and shall execute such applications as may be
necessary to permit filing of the requisite applications. Tenant shall submit
plans and specifications for location and design of ATM installation for
Landlord's approval which approval shall not be unreasonably withheld.
9
ARTICLE 7
Electricity
7.01 Tenant agrees not to connect any electrical equipment of any type to
the building's electrical distribution system which shall exceed the capacity of
any of the electrical conductors and equipment in or otherwise serving the
Demised Premises or the Building. Tenant hereby acknowledges and agrees that
Tenant shall not install or make any alterations to wiring, installations or
other electrical facilities in or about the Demised Premises without the prior
written consent of the Landlord. All additional risers, feeders, wiring or other
equipment required by Tenant and consented thereto by the Landlord in its sole
discretion, shall be installed by the Landlord and the cost thereof be paid by
Tenant.
10
ARTICLES
Signs
8.01 Tenant shall have the right to place its signs in, on and about the
Demised Premises, provided the same are in compliance with law, are purchased
and installed at the sole cost and expense of Tenant and are removed from the
premises at or prior to the Expiration Date and the surfaces and areas restored
to their original condition. Tenant shall be responsible for all required
applications, fees and permits. The Landlord agrees to promptly execute and
provide all requested documentation requested by Tenant for use in obtaining
such applications and permits. It Tenant shall cause or permit any sign or other
object to be placed on or affixed to any part of the Building not within the
Demised Premises without Landlord's written permission, Landlord shall have the
right, in addition to any other rights or remedies, without notice or liability
to Tenant, to remove and dispose of any such sign or other object and to make
any repairs necessitated by such removal, all at Tenant's sole cost and expense,
and Landlord's cost and expense in performing such removal and repair shall be
deemed additional rent payable with the next installment of Rent due hereunder.
11
ARTICLE 9
Services; Repairs
9.01 The Tenant shall cause the Demised Premises to be cleaned; including
the exterior and the interior of the windows thereof to be cleaned and shall
cause there to be supplied cleaning materials therefor.
9.02 Tenant shall be responsible for the operation of and all maintenance
and repairs to: (i) all specifically installed items by Tenants, including but
not limited to computers, equipment, uninterrupted power service equipment,
generators and antennae or satellite dishes; and (ii) all Tenant service systems
contained within or servicing the Demised Premises.
9.03 Tenant will pay the appropriate suppliers for all telephone and
communications services used by Tenant on the premises during the term, whether
or not such services are billed directly to Tenant. Tenant will also procure, or
cause to be procured, without cost to Landlord, any and all necessary permits,
licenses, or other authorizations required for the lawful and proper
installation and maintenance upon the premises of wires, pipes, conduits, tubes,
and other equipment and appliances for use in supplying any such service to and
upon the premises. Landlord, upon request of Tenant, and at the sole expense and
liability of Tenant, will join Tenant in any application required for obtaining
or continuing any such service.
9.04 The Landlord reserves the right, without any liability to Tenant
except as otherwise expressly provided in this Lease, and without being in
breach of any covenant of this Lease, to stop, interrupt or suspend service of
any of the heating, ventilating, air conditioning, electric, sanitary, elevator
or other Building systems serving the Demised Premises, or the rendition of any
other services required of the Landlord under this Lease, whenever and for so
long as may be necessary, by reason of accidents, emergencies, the making of
repairs or changes which the Landlord is permitted by this Lease or required to
by law to make or in good xxxxx xxxxx advisable, or by reason of unavoidable
delays, which for the purpose of this Article shall mean the temporary (not more
than ten (10) business days) postponement of materials or services not within
the Landlord's control. Whenever possible, the Landlord shall give Tenant 24
hours notice prior to making such repairs or changes. In each instance the
Landlord shall exercise due diligence to eliminate the cause of stoppage or
repetitive failure of a system or service and to effect restoration or service
and shall give Tenant reasonable notice, whenever possible, of the commencement
and anticipated duration of such stoppage.
9.05 If, by reason of any events beyond the Landlord's or Tenant's
control, the Landlord or Tenant, as the case may be, shall be unable to fulfill
its obligations under this Lease or shall be unable to supply any service which
said party is obligated to supply, this Lease and Tenant's obligation to pay
Rent hereunder shall in no way be affected, impaired or excused provided,
however, that should such failure to provide service or to perform any other
obligation under the Lease prohibit or prevent Tenant's use and occupancy of the
Demised Premises for a period of thirty (30) days, Tenant may, at its option,
terminate this Lease. As used herein "event beyond the Landlord's or Tenant's
control" shall include, without limitation: acts of public enemy; governmental
emergency, rule, order, regulation or action; war; restraining of government;
unavailability of materials; labor unrest, strikes or troubles, civil riots;
floods; hurricanes; tornadoes;
12
earthquakes or other acts of severe weather conditions; or acts of God.
13
ARTICLE 10
Landlord and Tenant's Responsibility Regarding Hazardous Substances
10.01 Landlord represents that to its knowledge:
There has been no generation, processing, distribution, use, treatment,
handling, storage, discharge, disposal, release, threatened release, or emission
of any Hazardous Substance on or from the Building or Real Property by any
person prior to the Closing Date; and, to Landlord's knowledge, no action has
been taken and Landlord has not been notified that an event or condition has
occurred or exists with respect to the Building or Real Property which
constitutes a violation of any Environmental Laws. Landlord heretofore has
delivered to Tenant copies of all written reports, correspondence, analytical
data, notices or other materials, if any, in its possession pertaining to
environmental surveys or assessments of the Building or Real Property and any
improvements thereon, and any violation of Environmental Laws in, on, affecting,
or otherwise involving the same.
(1) Hazardous Substances. The term "Hazardous Substance", as used in
this Lease, shall include, without limitation: "hazardous substances" or "toxic
substances" as those terms are defined by the Comprehensive Environmental
Response, Compensation, and Liability Act (CERCLA), 42 U.S.C. Section 8601, et
seq., or the Hazardous Materials Transportation Act, 49 U.S.C. Section 1802 and
"hazardous wastes," as that term is defined by the Resource Conservation and
Recovery Act (RCRA), 42 U.S.C. Section 6902, et seq., all as amended to this
date and as amended after this date; any pollutant, contaminant, or hazardous,
dangerous, or toxic chemical, material, or substance within the meaning of any
other applicable federal, state or local law, regulation, ordinance, or
requirement (including consent decrees and administrative orders) relating to or
imposing liability or standards of conduct concerning any hazardous, toxic, or
dangerous substance or material, all as amended to this date or as amended after
this date; flammables, explosives; radioactive materials, including any source,
special nuclear, or by-product material as defined at 42 U.S.C. Section 2011, et
seq., as amended to this date or as amended after this date; asbestos or
substances or compounds containing asbestos; polychlorinated biphenyls (PCB's)
or substances or compounds containing PCB's; chemical known to cause cancer or
reproductive toxicity; pollutants; contaminants, and petroleum and petroleum
products.
(2) Landlord and Tenant's Restrictions. Neither Landlord nor Tenant
shall cause or permit to occur:
(a) Any violation of any federal, state, or local law,
ordinance, or regulation now or hereafter enacted, related to environmental
conditions on, under, or about the Demised Premises, or arising from Tenant's
use of occupancy of the Demised Premises, including, but not limited to, soil
and ground water conditions; or
(b) The use, treatment, transportation, generation, release,
manufacture, refining, production, processing, storage, or disposal or any
Hazardous Substance on, under, or about the Demised Premises, or the
transportation to or from the Demised Premises of any Hazardous Substance.
(3) Environmental Clean-up.
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(a) Landlord and Tenant will promptly notify each other, in
writing, if Tenant has or acquires notice or knowledge that any Hazardous
Substance has been or is threatened to be released, discharged, disposed of,
transported, or stored on, in, under, or from the Demised Premises; and if any
Hazardous Substance is found on the Demised Premises. Landlord and Tenant shall
comply with all laws regulating the use, generation, storage, transportation, or
disposal of Hazardous Substance, including but not limited to, the laws
specified above ("Environmental Laws").
(b) Landlord and Tenant will immediately notify each other and
provide copies upon receipt of all written complaints, claims, citations,
demands, inquiries, reports, or notices relating to the condition of the Demised
Premises (including the common areas or real property) or compliance with
Environmental Laws. Tenant will promptly cure and have dismissed with prejudice
any of those actions and proceedings to the satisfaction of the Landlord. Tenant
will (except to the extent due to a condition that existed prior to Tenant's use
or occupancy of the Demised Premises) keep the Demised Premises free of any lien
imposed pursuant to any Environmental Laws. Landlord and Tenant shall make all
submission to, provide all information required by, and comply with all
requirements of all governmental authorities (the "Authorities") under the
Environmental Laws.
(c) Should any authority under the Environmental Law or any
third party demand that a clean-up plan be prepared and that a clean-up be
undertaken because of any deposit, spill, discharge, or other release of
Hazardous Substance that occurs during the term of this Lease, in or from the
Demised Premises (except to the extent due to a condition that existed prior to
Tenant's use or occupancy of the Demised Premises) or which arises at any time
from Tenant's use or occupancy of the Demised Premises; then Tenant shall, at
Tenant's own expense, prepare and submit the required plans and all related
bonds and their financial assurances, and Tenant shall carry out all such
clean-ups plans.
(d) Tenant shall promptly provide all information regarding
the use, generation, storage, transportation, or disposal of Hazardous Substance
that is requested by the Landlord or any authority under the Environmental Laws.
The Landlord will have the right at all reasonable times and from time to time
to conduct environmental audits of the Demised Premises, and Tenant will
cooperate in the conduct of those audits. The audits will be conducted by a
consultant of the Landlord's choosing, and if any Hazardous Substance is
detected or if a violation of any of the warrantied, representations, or
covenants contained in this Article is discovered, the fees and expenses of such
consultant will be borne by Tenant and will be paid as additional Rent under
this Lease on demand by the Landlord.
(e) If Tenant fails to comply with any of the foregoing
warranties, representations, and covenants, the Landlord may cause the removal
or other cleanup acceptable to the Landlord) of any Hazardous Substance from the
Demised Premises. Tenant shall cooperate with the Landlord in order to prepare
all documents the Landlord deems necessary or appropriate to determine the
applicability of the Environmental Laws to the Demised Premises and Tenant's use
thereof, and for compliance therewith, and Tenant shall execute all documents
promptly upon the Landlord's request or those of any authority under the
Environmental Laws. The costs of Hazardous Substance removal and any other
cleanup (including transportation and storage costs) will be
15
additional Rent under this Lease, only if a court has ordered the cleanup, and
those costs will become due and payable on demand by the Landlord. Tenant will
give the Landlord and the Landlord's Agents access to the Demised Premises to
remove or otherwise clean up any Hazardous Substance. The Landlord, however, has
no affirmative obligation to remove or otherwise clean up any Hazardous
Substance, and this Lease will not be construed as creating any such obligation.
No such action by the Landlord and no attempt made by the Lender to mitigate
damages under any laws shall constitute a waiver of any of Tenant's obligation
under this Article.
(f) In addition to the indemnification provisions of Article
14 hereof, Tenant shall indemnify, defend (with counsel reasonably acceptable to
the Landlord and at Tenant's sole cost), and hold the Landlord, and its
officers, directors, beneficiaries, shareholders, partners, subsidiaries,
agents, and employees free and harmless from and against all losses,
liabilities, obligations, penalties, claims, litigation, demands, defenses,
costs, judgments, suits, proceedings, damages (including consequential damages),
disbursements, or expenses of any kind (including attorneys' and experts' fees
and fees and expenses incurred in investigating, defending, or prosecuting and
litigation, claim, or proceeding) that may at any time be imposed upon, incurred
by, asserted or awarded against the Landlord (including attorneys' fees,
consultants' fees and court costs) (except to the extent due to a condition that
existed prior to Tenant's use of occupancy of the Demised Premises or if due to
a condition created by Landlord or other Tenants in the Building) arising out of
or in any way connected with: any deposit, spill, discharge, or other release or
any Hazardous Substance that occurs during the term of this Lease, at or from
the Demised Premised, or which arises at any time from Tenant's use or occupancy
of the Demised Premises; or any violation or claim of violation by Tenant of any
Environmental Laws; or the imposition of any lien for the recovery of any costs
for environmental cleanup or other response costs relating to the release or
threatened release of Hazardous Substance; or failure to provide all
information, make all submission, and take all steps required by all authorities
under the Environmental Laws and all environmental laws, or any
misrepresentation, inaccuracy, or breach of any warranty, covenant, or agreement
contained or referred to in this Article.
This indemnification is the personal obligation of Tenant and will
survive termination of this Lease. Tenant, its successors, and assigns waive,
release, and agree not to make any claim or bring any cost recovery action
against the Landlord under CERCLA, or any state equivalent to any similar law
now existing or enacted after this date. To the extent that the Landlord is
strictly liable under any such law, regulation, ordinance, or requirement,
Tenant's obligation to the Landlord under this indemnity will also be without
regard to fault on the part of Tenant with respect to the violation or condition
that results in liability to the Landlord (except to the extent due to a
condition that existed prior to Tenant's use or occupancy of the Demised
Premises or if due to a condition created by Landlord or other Tenants in the
Building).
Notwithstanding anything herein to the contrary, the Tenant shall
have 90 days from the date hereof to complete Phase I environmental assessments
with respect to the demised premises. The cost and expense of the environmental
assessments shall be paid by the Tenant. If the Tenant should determine pursuant
to the results of such environmental assessments that (i) there has been any
storage, discharge, disposal, release or emission of any Hazardous Substance in,
on or from the Demised Premises and (ii) Tenant reasonably believes that it
could become responsible for the remediation of such storage, discharge,
disposal, release, threatened release or emission or become
16
liable for monetary damages (including without limitation any civil, criminal or
administrative penalties or assessments) resulting therefrom, or if Tenant
reasonably believes that such discharge, disposal, release, threatened release,
emission or violation would have a material adverse effect on its ability to
assign the Lease, then Tenant shall inform Landlord in writing with specificity
within 90 days from the date hereof, and shall deliver to Landlord copies of all
written reports, analytical data, correspondence, notices or other written
material relating to or developed in connection with the environmental
assessment of the property at issue. Upon receipt of notice, Landlord may, at
its option and sole cost and expense, take necessary actions to correct the
specific defect set forth in the notice. Upon completion of such corrective
actions to the reasonable satisfaction of the Tenant, or Landlord's proving in a
manner acceptable to Tenant that Tenant would not be responsible for remediation
or be liable for monetary damages, including administrative, civil, or criminal
penalty assessments or enforcement actions or administrative, judicial or
special orders by consent (unless, in Tenant's reasonable opinion, the results
of the environmental assessment would materially adversely affect the
marketability, including, but not limited to, the resale or leasing of the
Demised Premises, Tenant shall not be permitted to reject such Branch Office due
to the results of the environmental assessment. For purposes of this Agreement
"Hazardous Substance" shall mean any toxic or hazardous pollutants, chemicals,
wastes or substances, including, without limitation, any hazardous substances
under Section 101(14) of the Comprehensive Environmental Response, Compensation
and Liability Act ("CERCLA"), 42 USC Section 9601(14), any pollutant or
contaminant under Section 101(33) of CERCLA, 42 USC Section 9601(33), friable
asbestos, polychlorinated biphenyls ("PCBs"), petroleum and petroleum products
or urea formaldehyde
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ARTICLE 11
Condemnation; Eminent Domain
11.01 In the event that the Real Property, Building or any part thereof,
or the Demised Premises or any part thereof, shall be taken in condemnation
proceedings or by the exercise of any right of eminent domain or by agreement
between the Landlord on the one hand and any governmental authority authorized
to exercise such right on the other hand, the Landlord shall be entitled to
collect from any condemnor the entire award or awards that may be made in any
such proceeding, excepting Tenant's personal property hereby vested in or owned
by Tenant, to be paid out as in this Article provided. Nothing in this Article
shall prevent Tenant from bringing a separate action or proceeding for
compensation for any of Tenant's property or moving expenses.
11.02 At any time during the Term if title to a portion greater than
twenty-five (25%) percent of the Real Property, the Building and/or Demised
Premises shall be taken in condemnation proceedings or by the exercise of any
right of eminent domain or by agreement between the Landlord on the one hand and
any governmental authority authorized to exercise such right on the other hand,
this Lease shall terminate and expire on the date of such taking and the Rent
provided to be paid by Tenant shall be apportioned and paid to the date of such
taking.
11.03 However, if less than twenty-five (25%) percent of the Real
Property, Building and/or Demised Premises shall be so taken, this Lease
nevertheless shall continue in full force and effect, except that Landlord or
Tenant may elect to terminate this Lease if that portion of the Demised Premises
then occupied by Tenant shall be reduced by more than twenty-five (25%) percent,
or the Demised Premises shall become untenantable, by written notice of such
election to the other party given not later than thirty (30) days after (i)
notice of such taking is given by the condemning authority, or (ii) the date of
such taking, whichever occurs later. Upon the giving of such notice this Lease
shall terminate on the date of service of such notice and the Rent due and to
become due shall be prorated and adjusted as of the date of the taking. If both
parties fail to give notice upon such partial taking, and this Lease continues
in force as to any part of the Demised Premises not taken, the Rent apportioned
to the part taken shall be prorated and adjusted as of the date of the taking
and from such date the Rent shall be reduced to the amount apportioned on the
remainder of the Demised Premises, and the Tenant's Share shall be recomputed to
reflect the number of square feet of Tenant's Floor Space remaining in the
Demised Premises in relation to the number of square feet of Total Building
Floor Space remaining in the Building.
11.04 Tenant shall not be entitled to any portion of any condemnation
award or private purchase price. Tenant hereby expressly assigns to the Landlord
all of its rights in and to every such award, compensation, damages, rights of
action, proceeds or purchase price and agrees to execute and lend all documents
required to facilitate collection thereof by the Landlord. Landlord shall be
under no obligation to question the amount of any such award or compensation and
may accept the same in the amount paid. Notwithstanding the foregoing provisions
of this Article, Tenant shall be entitled to appear, claim, prove and receive in
the proceeding relating to any taking mentioned in the preceding Sections of
this Article, such portion of each award made therein as represents (a) Tenant's
moving expenses, and (b) the then value of Tenant's personal property.
(a) Nothing herein contained shall be deemed to excuse Tenant from
repairing or
18
maintaining the Demised Premises as provided in this Lease or restoring all
damage or destruction to the Demised Premises, regardless of whether or not
there are proceeds available or whether any such Proceeds are sufficient in
amount, and the application or release by Landlord of any Proceeds shall not
cure or waive any default or notice of default under this Agreement or on
validate any act done pursuant to such notice.
(b) Any monies received as a condemnation award shall be paid over
to Landlord to be applied at the option of Landlord for the restoration of the
Improvements.
(c) If at any time there shall occur a partial condemnation or
partial taking, and if Landlord shall have decided in its sole discretion to
permit Tenant to use any condemnation award for the restoration of the Demised
Premises, then Tenant may use such proceeds to restore the Demised Premised
provided that (i) the net proceeds are sufficient to restore the Demised
Premises, or if such proceeds are insufficient in the opinion of Landlord on
advice from its architect to restore the Demised Premises, Tenant shall have
deposited with Landlord cash in an amount equal to the difference between the
cost of such restoration and such proceeds, (ii) there shall exist no Event of
Default, nor any event which, after notice or the passage of time would become
an Event of Default, (iii) in the opinion of Landlord on advice from its
architect the Demised Premises can be completely restore within 180 days from
the occurrence of such partial condemnation or taking, or by the Expiration Date
(as defined in the Note), whichever occurs first; and (iv) Landlord shall
determine, based on advice from its architect, that the contemplated restoration
of the Demised Premises shall, when completed, render the Demised Premises a
complete, economically viable architectural unit of substantially the same
usefulness, design and construction and fully functional for the same purposes
and uses as existed prior to the condemnation. In the event such condemnation
award is used to repair or restore the Demised Premises pursuant to this
Section, Tenant shall obtain, at its sole cost and expense, an architect who
shall submit plans to Landlord for the restoration of the Demised Premises
indicating that such restoration of the Demised Premises indicating that such
restoration can be completed within the period provided for herein, together
with a budget itemizing the projected costs of such restoration. Said plans and
budget are subject to the approval of Landlord. Tenant shall also obtain and
post, at its sole cost and expense, all necessary Federal, State and local
permits and approvals prior to the commencement of such restoration. Tenant
agrees that condemnation awards to be used to restore the Demised Premises shall
be held by Landlord and disbursed periodically: (i) on advice from Landlord's
architect (who shall be employed by Landlord at Tenant's sole expense) that the
work completed or materials installed conform to said budget and plans, as
approved by Landlord; and (ii) upon presentment of receipted bills and releases
satisfactory to Landlord. The expenses incurred by Landlord, including
architects' and attorneys' fees, and all soft and hard costs in connection with
such restoration, shall be paid by Tenant to the extent condemnation awards are
insufficient to pay same. At no time shall Landlord be obligated to disburse any
funds if the undisbursed balance is, in the opinion of Landlord based on advice
from its architect, insufficient to timely complete the restoration of the
Demised Premises free and clear of all liens. Tenant agrees to post such bonds,
obtain such guaranteed maximum price general contract agreement and/or enter
into such agreements and arrangements as Landlord may require to insure
lien-free completion of such repairs or restoration by the end of the period
provided herein for completion of such repairs or restoration.
19
ARTICLE 12
Insurance
12.01 Insurance Coverages. Tenant agrees to at all times, at it sole
expense, provide, maintain and keep in force the following policies of insurance
naming Landlord and Tenant as their interests may appear and such other parties
as Landlord and Tenant may designate as additional insured, in the customary
form in the Borough of Manhattan, State of New York, for premises and
improvements of similar character, on premises and improvements.
(a) Comprehensive public liability insurance (including coverage for
elevators and escalators, if any, on the Demised Premises and, if any
construction of new improvements occurs after execution of this Agreement,
completed operations coverage for one year after construction of the
Improvements has been completed) on an occurrence basis against claims for
personal injury including, without limitation, bodily injury, death or property
damage occurring on, in or about the Demised Premises and the adjoining streets,
sidewalks and passageways, such insurance to afford immediate minimum protection
to limits of not less than $24,000,000 or such greater amount as may be required
by Landlord from time to time;
(b) Worker's compensation insurance including employer's liability
insurance for all employees of Tenant, if any, engaged on or with respect to the
Demised Premises;
(c) During the course of any demolition, construction, renovation or
repair of the Building or other improvements on the Demised Premises, builder's
completed value risk insurance against all risks of physical loss, including
collapse and transit coverage, during construction of such improvements, with
deductibles satisfactory to Landlord, in nonreporting form, in an amount
acceptable to Landlord. Such policy of insurance shall contain the "permission
to occupy upon completion of work or occupancy, endorsement and a waiver of
coinsurance endorsement;
(d) Rent loss and business interruption coverage, if applicable,
either as a separate policy or as part of the casualty policy referred to in
subsection (a) above; and
(e) All policies of insurance relating to property required by terms
of this Agreement shall contain a standard non-contributory negligence
endorsement providing an agreement by the insurer that any loss shall be payable
in accordance with the terms of such policy notwithstanding any act or
negligence of Tenant which might otherwise result in forfeiture of such
insurance and the further agreement of the insurer waiving all rights of set
off, counterclaim or deductions against Tenant.
12.02 Miscellaneous Insurance Related Provisions.
(a) All policies of insurance shall be issued by companies
authorized to transact business in the State of New York (property liability)
approved by Landlord and in amounts satisfactory to Landlord and all policies of
property insurance shall have attached thereto the clause referred to in Section
12.01 above in favor of Landlord, not subject to contribution or co-insurance,
all in form reasonably satisfactory to Landlord. Tenant shall furnish Landlord
with a signed duplicate original policy with respect to all required insurance
coverage. At least thirty (30) days
20
prior to the expiration of each such policy, Tenant shall furnish Landlord with
evidence satisfactory to Landlord of the payment of premium and the reissuance
of a policy continuing insurance in force as required by this Agreement. All
such policies, including policies for any amounts carried in excess of the
required minimum and policies not specifically required by Landlord, shall be in
form satisfactory to Landlord, shall be maintained in full force and effect,
shall be assigned and delivered to Landlord, with premiums prepaid, as
collateral security for payment of all obligations of Tenant secured hereby, and
shall contain a provision that such policies will not be canceled or amended,
without at least thirty (30) days prior written notice to Landlord and at no
time shall there be any reduction in the scope or limits of coverage. If the
insurance, or any part thereof, shall expire, or be withdrawn, or become void or
any reason, or if for any reason whatever the insurance shall be unsatisfactory
to Landlord, Tenant shall immediately upon learning of such expiration or
termination place new insurance on the Demised Premises, satisfactory to
Landlord.
(b) In the event Tenant fails to provide, maintain, keep in force or
deliver and furnish the Landlord the policies of insurance required hereunder,
Landlord may procure such insurance or single-interest insurance for such risks
covering Landlord's interest, and Tenant will pay all premiums thereon promptly
upon demand by Landlord, and until such payment is made by Tenant the amount of
all such premiums, together with interest thereon at the Default Rate shall be
secured by the mortgage.
12.03 The Tenant, at his own cost and expense, shall insure it own
fixtures, equipment and contents, (including, without limitation, any computer
or telephone system or any generators or alternators used in connection
therewith installed in the Demised Premises, it being expressly understood and
agreed that the same is not the responsibility of the Landlord nor shall the
Landlord be liable therefor.
All polices and Certificates shall name the Landlord as an additional
insured and loss payee and shall expressly provide that the interest of same
therein shall not be affected by any breach by, Tenant of any policy provision
for which such Certificates evidence coverage. Further, all Certificates shall
expressly provide that no less than thirty (30) days prior written notice shall
be given to Landlord in the event of material alteration to, or cancellation of
any of the coverages evidenced by such Certificates.
The monetary limits and types of coverages stated herein shall not be
construed as a limit of Tenant's liability. Every calendar year during the Term,
Landlord shall have the right to review the insurance coverages required under
this Article 12 and to require that Tenant reasonably increase the limits of
Tenant's insurance coverage hereunder.
If, on account of the failure of Tenant to comply with the foregoing
provisions, Tenant is adjudged to be a coinsurer by its insurance carrier, then
any loss or damage the Landlord shall sustain by reason thereof or payments made
by Landlord's insurance carrier, shall be borne by Tenant and shall be
immediately paid by Tenant upon receipt of a xxxx therefore and evidence of such
loss or payment
The Landlord makes no representation that the limits of liability
specified to be carried by Tenant under the terms of this Lease are adequate to
protect Tenant, and in the event Tenant believes
21
that any such insurance coverage called for under this Lease is insufficient,
Tenant shall provide at its own expense, such additional insurance as Tenant
deems adequate
22
ARTICLE 13
Right to Assign or Sublease
13.01 Landlord and Tenant acknowledge and agree that:
A. Tenant may assign its interest in this Lease or sublet any portion of
the Demised Premises without the prior written consent of the Landlord to any
other financial institution. A financial institution shall not be deemed to
include financial operations involving check cashing and/or payroll loans.
B. Tenant shall not assign or sublet any portion of the Demised Premises
to any other person or entity without the prior written consent of the Landlord,
which consent as to a sublease only will not be unreasonably withheld or
delayed.
C. If Tenant's interest in this Lease is assigned, whether or not in
violation of the provisions of this Lease, the Landlord may collect Rent from
the assignee. If the Demised Premises or any part thereof are sublet to, or
occupied by or used by any person other than Tenant, whether or not in violation
of this Lease, the Landlord, after default by Tenant under this Lease and
expiration of Tenant's time, if any, to cure such default, may collect Rent from
the subtenant, user or occupant. In either case, the Landlord shall apply the
net amount collected to the rents reserved in this Lease, but neither any such
assignment, subletting occupancy, nor use, nor any such collection or
application shall be deemed a waiver of any term, covenant or condition of this
Lease or the acceptance by the Landlord of such assignee, subtenant, occupancy
or user as a tenant. The consent by the Landlord to any assignment, subletting,
occupancy or use shall not relieve Tenant from its obligation to obtain the
express prior written consent of the Landlord to any further assignment,
subletting, occupancy or use. The listing of any name other than Tenants on any
door of the Demised Premises, or on any directory, or on any elevator in the
Building, or otherwise, shall not operate to vest in the party so name, any
right or interest in this Lease in the Demised Premises or be deemed to
constitute or serve as a substitute for any prior written consent of the
Landlord requires under this Article, and it is understood that any such listing
shall constitute a privilege extended by the Landlord which shall be revocable
at either the Landlord's will by notice to Tenant. Tenant agrees to pay to the
Landlord all reasonable counsel fees incurred by the Landlord in connection with
any assignment of Tenant's interest in this Lease or any subletting of the
Demised Premises or any part thereof. Neither any assignment of Tenant's
interest in this Lease nor any subletting, occupancy or use of the Demised
Premises or any part thereof by any person other than Tenant, nor any collection
of Rent by the Landlord from any person other than Tenant as provided in this
Paragraph C, nor any application of any such Rent as provided in this Paragraph
C shall in any circumstances relieve Tenant of Tenant's obligation to fully
observe and perform the terms, covenants and condition of this Lease on Tenant's
part to be observed and performed. For the purposes of this Lease, (i) a
takeover agreement shall not be deemed a transfer of this Lease, (ii) any person
or legal representative of Tenant to whom Tenant's interest under this Lease
passes by operation of law or otherwise, shall be deemed a transfer of this
Lease, and (iii) a modification, amendment or extension without the Landlord's
prior written consent shall be deemed a new sublease. Tenant agrees to furnish
to Landlord upon demand at any time and from time to time such information and
assurances as the Landlord may request that neither Tenant nor any subtenant
shall have violated the provisions herein.
23
D. No permitted or consented to assignment or subletting shall be
effective or valid for any purpose whatsoever unless and until a counterpart of
the assignment or a counterpart or reproduced copy of the sublease shall have
been first delivered to the Landlord and in the event of any assignment, Tenant
shall deliver to the Landlord a written agreement executed and acknowledged by
Tenant and such assignee in recordable form wherein such assignee shall assume
joint and severally with tenant the due performance of this Lease
notwithstanding any other or further assignment.
E. Neither any assignment of Tenant's interest in this Lease nor any
subletting, occupancy or use of the Demised Premises or any part thereof by any
person other than Tenant shall, in any circumstances, relieve Tenant of its
obligations to fully observe and perform the terms, covenants and conditions of
this Lease on Tenant's part to be observed and performed.
24
ARTICLE 14
Non-Liability and Indemnification
14.01 Tenant agrees to defend, indemnify and hold harmless the Landlord
against and from any and all loss, cost, liability, damage and expense,
including but not limited to, penalties, fines, court costs, disbursements and
attorney's fees incurred in connection with or arising from any cause in, on or
about the premises, either present or future, including, but not limited to: (i)
any failure by Tenant to observe or perform any of the obligations under this
Lease; (ii) the use or occupancy or manner of use or occupancy of the Demised
Premises and adjacent areas by Tenant's or any person or entity claiming through
or under Tenant (iii) any condition design or construction of the Demised
Premises or the Building or any occurrence or happening in or on the Demised
Premises from any cause; or (iv) any negligence, omission or misconduct whether
prior to, during or after the Term of this Lease of Tenant or any person or
entity claiming through or under Tenant or any contractor, agent, employee,
invitee or licensee of Tenant in or about the Demised Premises or the Building;
and (v) any maintenance, repairs, replacements, additions, alternations,
substitutions and installments made by or for Tenant to the Demised Premises and
the Building. In case any action or proceeding is brought against the Bank by
reason of any such claim, tenant upon written notice from the Bank shall at
Tenant's expense resist or defend such action or proceeding by reputable,
competent counsel with respect to whom the Bank has no reasonable or just cause
to request replacement. Tenant agrees that the obligation assumed herein shall
survive the termination or earlier expiration of this Lease.
14.02 The Landlord shall defend indemnify and hold harmless Tenant its
directors, officers, employees, agents, subsidiaries and affiliates against and
from all losses, liabilities, obligation, damages, penalties, claims, costs,
charges and expenses, including reasonable attorney's fees, which may be imposed
upon or incurred by or asserted against Tenant and/or its directors, officers
and subsidiaries by reason of any action or cause occurring in the Building, the
Real Property or the Demised Premises by the negligent act, omission or willful
misconduct of the Landlord, its agents, employees, contractors, tenants and/or
licensees acting on behalf of Landlord. In case any action or proceeding is
brought against Tenant's by reason of any such claim, the Landlord, upon written
notice from Tenant, shall at the Landlord's expense resist or defend such action
or proceeding by reputable, competent counsel with respect to whom Tenant has no
reasonable or just cause to request replacement. The Landlord agrees that the
obligation assumed herein shall survive the termination or earlier expiration of
this Lease.
14.03 The Landlord or its agents shall not be liable for any injury or
damage to persons or property resulting from fire, explosion, falling plaster,
steam, gas, electricity, water, rain or snow or leaks from any part of the
Building or from the pipes, appliances or plumbing works or from the roof,
street or subsurface or from any other place or by dampness or by any other
cause of whatsoever nature, unless any of the foregoing shall be caused by or
due to the gross negligence of the Landlord, its agents, servants or employees.
14.04 Tenant shall reimburse the Landlord for all expenses, damages or
fines incurred or suffered by the Landlord by reason of any breach, violation or
nonperformance by Tenant or its agents, servants or employees, of any covenant
or provision of this Lease or by reason of damage to persons or
25
property caused by moving property of or for Tenant's in or out of the Building,
or by the installation or removal of furniture or other property of or for
Tenant or by reason of or arising out of the carelessness, negligence or
improper conduct of Tenant or its agents, servants or employees in the use or
occupancy of the Demised Premises.
14.05 Tenant shall give Landlord notice in case of fire or accident in the
Demised Premises promptly after Tenant is aware of such event.
26
ARTICLE 15
Surrender of Premises
15.01 At the expiration of the Term, Tenant shall surrender and deliver up
to the Landlord the Demised Premises broom-clean, together with all Alterations
or improvements which are required to remain pursuant to Article 8 herein in
good repair and good order and safe condition except for reasonable wear and
tear and damage by fire, other casualty or the elements excepted. At or before
the Expiration Date, Tenant, at its sole cost and expense, shall remove from the
Demised Premises all of the Tenant's personal property and Tenant shall repair
any damage to the Demised Premises or the Building resulting from any
installation or removal of such.
15.02 The voluntary or other surrender of this Lease by Tenant, or a
mutual cancellation of this Lease or the termination of this Lease by the
Landlord pursuant to any provision contained in this Lease shall not work a
merger but, at the option of the Landlord, shall either terminate any and all
existing subleases or subtenancies under this Lease or operate as an assignment
of the Landlord of any or all of such subleases or subtenancies.
15.03 If the date of termination of this Lease shall fall on a Sunday or a
holiday, then Tenant's obligations under Section 15.01 shall be performed on or
prior to the Saturday or business day immediately preceding such Sunday or
Holiday.
15.04 Any of Tenant's Property or other personal property (other than
money, securities, documents or other valuables) which shall remain in the
Demised Premises after the termination of this Lease shall be deemed to have
been abandoned and either may be retained by Landlord as its property or may be
disposed of in such manner as Landlord may see fit, without accountability,
provided, however, that notwithstanding the foregoing, Tenant will, upon request
of Landlord made not later than thirty (30) days after the date of termination
of this Lease, promptly remove from the Demised Premises any Tenant's Property
or other personal property at Tenant's own expense. If such Tenant's property is
abandoned or any part thereof shall be sold by Landlord, Landlord may receive
and retain the proceeds of such sale and apply the same, at its option, against
the expenses of the sale, cost of moving and storage, any arrears of Rent or
additional rent and damages to which Landlord may be entitled hereunder or
pursuant to law. Any excess proceeds shall be the property of Landlord. Any
expense incurred by Landlord in removing or disposing of such Tenant's Property
or other personal property shall be reimbursed to Landlord by Tenant on demand.
15.05 Tenant's obligations under this Article shall survive the
termination of this Lease.
27
ARTICLE 16
Holdover
16.01. If Tenant or any approved assignee or sublessee shall continue to
occupy the Demised Premises after the termination of this Lease without the
prior written consent of the Landlord, Tenant, at the option of Landlord, shall
be deemed to be occupying the Demised Premises as a tenant from month to month,
at a monthly Rent equal to the then fair market rent, as solely determined by a
broker of the Landlord's choosing plus all charges, costs, fees, expenses,
claims and damages incurred by the Landlord as a result of Tenant's failure to
surrender the Demised Premises upon termination of this Lease, subject to all of
the other terms and conditions of this Lease insofar as the same are applicable
to a month-to-month tenancy. Tenant hereby agrees to indemnify and hold harmless
the Landlord against and from any and all liabilities, obligations, damages,
claims, costs, charges and expenses, including but not limited to, penalties,
fines, court costs and attorney's fees incurred in connection with or arising
from any cause in connection with Tenant's occupation of the Demised Premises
after the Termination Date or sooner termination of this Lease, including, but
not limited to, any claims made by a succeeding tenant founded on such delay.
Acceptance by the Landlord of Rent after such termination shall not constitute a
renewal of this Lease or a consent to such occupancy, nor shall it waive the
Landlord's right to re-entry or any other right contained herein.
16.02 Tenant's obligations under this Article shall survive the
termination of this Lease.
28
ARTICLE 17
Quiet Enjoyment and Subordination
17.01. The Landlord covenants that if, and so long as, Tenant pays all of
the Rent due hereunder, and keeps and performs each and every term and condition
herein contained on the part and on behalf of Tenant to be kept and performed,
Tenant shall lawfully, peaceably and quietly have, hold and enjoy the Demised
Premises without hindrance, ejection or molestation by the Landlord or by any
other person lawfully claiming the same.
17.02. This Lease is and shall be subject and subordinate to all ground or
underlying leases which may now or hereafter affect the real property of which
the Demised Premises form a part and to all mortgages which may now or hereafter
affect such leases or such real property and to all renewals, modifications,
replacements and extensions thereof.
29
ARTICLE 18
Brokerage
18.01 Tenant represents and warrants that it neither consulted nor
negotiated with any broker or finder with regard to the rental of the Demised
Premises from the Landlord. Tenant agrees to indemnify and hold the Landlord
harmless from any damages, costs and expenses suffered by the Landlord by reason
of any breach of the foregoing representation. The Landlord shall have not
liability for brokerage commissions arising out of any sublease or assignments
by Tenant and Tenant shall and does hereby indemnify the Landlord and hold the
Landlord harmless from any and all liabilities for brokerage commissions arising
out of any such sublease or assignment.
30
ARTICLE 19
Defaults, Remedies and Right to Cure
19.01 If either party shall default in the performance of any term or
condition herein contained, the other party, without thereby waiving such
default, may perform the same for the account and at the expense of the
defaulting party without notice in case of emergency and in any other case if
such default continues after five (5) days from the period to cure as set forth
below by the giving of written notice of intention so to do. Bills for any
reasonable and necessary expense incurred by either party for the account of the
other and reasonable and necessary bills for all costs, expenses and
disbursement, including (without being limited to) reasonable counsel fees,
incurred in enforcing or endeavoring to enforce any rights under or in
connection with this Lease or pursuant to law are payable by the defaulting
party with fifteen (15) days of notice to defaulting party and if not paid when
due, the amounts thereof shall immediately become due and payable together with
interest thereon at the maximum rate permitted by law from the date the said
bills should have been paid in accordance with their terms.
19.02 If at any time during the Term of this Lease any or all of the
following events occur such shall constitute a default and breach of this Lease
by Lessee: (a) the vacating or abandonment of the Demised Premises or the
cessation of Tenant's business on the Demised Premises; (b) failure of Tenant in
the payment of Rent and such failure shall continue for five (5) days after
notice thereof from the Landlord; (c) failure of Tenant in the observation or
performance of any of the covenants, conditions or provisions under this Lease
other than that described in (b) above and if such default shall continue for
five (5) days after notice thereof from the Landlord, specifying in what manner
Tenant has defaulted; (d) the making by Tenant of any general assignment or
general assignment for the benefit of creditors, or by the filing by or against
Tenant of a petition to have Tenant adjudged bankrupt (except in an involuntary
petition, as long as such petition is vacated or withdrawn within ninety (90)
days after filing of such), or a petition or reorganization or arrangement under
any law relating to bankruptcy or the appointment of a trustee or receiver to
take possession of Tenant's assets by reason of the insolvency of Tenant (except
where such receiver shall be appointed in an involuntary proceeding, as long as
the receiver is withdrawn within ninety (90) days of his appointment) or
attachment, execution or other judicial seizure of Tenant's assets or of
Tenant's interest in this Lease; then the Landlord, as applicable, shall have
the following remedies: (a) to cure and add such amounts required to cure the
default, including any ancillary cost thereof, including, but not limited to,
attorney's fees, disbursement and court costs, to additional rent; (b) seek
damages pursuant to Article 21 herein; and (c) terminate this Lease by giving
ten (10) days notice to terminate if the default is continuing and Tenant has
failed to cure.
31
ARTICLE 20
Re-Entry by the Landlord
20.01 If this Lease shall expire or terminate prior to the Expiration Date
due to a Tenant Default or as a result of a casualty or condemnation, the
Landlord or the Landlord's agents and employees may, possess or repossess the
Demised Premises either by summary dispossess proceedings, ejection or by any
suitable action or proceeding at law, or by agreement. The words possess or
repossess as herein used are not restricted to their technical legal meaning. In
the event of any termination of this Lease, other than as permitted to Tenant
under this Lease or of re-entry by summary dispossess proceedings, ejection or
by any suitable action or proceeding at law or by agreement or otherwise by
reason of default hereunder on the part of Tenant, Tenant shall thereupon pay to
the Landlord the Rent due up to the time of such termination of this Lease or of
such recovery of possession of the Demised Premises by the Landlord as the case
may be.
20.02 In the event of any breach by Tenant of any of the term or condition
contained in this Lease, the Landlord shall be entitled to enjoin such breach
and shall have the right to invoke any right and remedy allowed at law or in
equity or by statute or otherwise.
20.03 Each right and remedy of the Landlord provided for in this Lease
shall be cumulative and shall be in addition to every other right or remedy
provided for in this Lease or now or hereafter existing at law or in equity or
by statute or otherwise and the exercise or beginning of the exercise by the
Landlord of any one or more of the rights or remedies provided for in this Lease
or now or hereafter existing at law or in equity or by statute or otherwise
shall not preclude the simultaneous or later exercise by the Landlord of any or
all other rights or remedies provided for in this Lease or now or hereafter
existing at law or in equity or by statute or otherwise.
32
ARTICLE 21
Damages
21.01 If this Lease is terminated or if the Landlord shall re-enter the
Demised Premises under the provisions of this Lease or in the event of re-entry
by summary dispossess proceedings, ejection or by any suitable action or
proceeding at law in each case, by reason of default hereunder on the part of
Tenant, Tenant shall pay to the Landlord as damages, sums equal to the Rent (as
above presumed) payable hereunder which would have been payable by Tenant had
this Lease not so terminated or had the Landlord not so re-entered the Demised
Premises, payable monthly but otherwise upon the terms therefore specified
herein following such termination or such re-entry and until the expiration of
the Term, provided, however, that the Landlord shall use its best efforts to
relet the Demised Premises or any portion or portions thereof during said period
at the then current fair market rental, the Landlord shall credit Tenant with
the net rents received by the Landlord from such reletting, such net rents to be
determined by first deducting from the gross rents and when received by the
Landlord from such reletting the reasonable expenses incurred or paid by the
Landlord in terminating this Lease or in re-entering the Demised Premises and in
securing possession thereof, as well as the reasonable expenses of reletting,
including altering and preparing the Demised Premises or any portion or portions
thereof for new tenants, broker's commissions, advertising expenses, attorney's
fees and all other reasonable expenses properly chargeable against the Demised
Premises and the rental therefrom. If the Demised Premises or any part thereof
should be relet in combination with other space then proper apportionment shall
be made of the rent received from such reletting and of the expenses of
reletting.
21.02 Suit or suits for the recovery of such damages, or any installments
thereof, may be brought by the Landlord from time to time at its election and
nothing contained herein shall be deemed to require the Landlord to postpone
suit until the date that the Term would have expired if it had not been so
terminated or had the Landlord not re-entered the Demised Premises.
21.03 Anything in this Lease to the contrary notwithstanding, if either
party shall at any time be in default hereunder, and if the aggrieved party
shall institute an action or summary proceeding against the defaulting party
based upon such default, and it is reasonably prudent for the aggrieved party to
contact counsel, then the defaulting party shall reimburse the aggrieved party
if the aggrieved party is successful in its action for the reasonable expenses
of attorney's fees and disbursements thereby incurred by the aggrieved party.
33
ARTICLE 22
Arbitration
22.01 The Landlord may at any time request arbitration and Tenant may at
any time, when it is not in default in the payment of any Rent or additional
rent, request arbitration if a dispute arises in connection with a provision of
this Lease which is non-monetary in nature. Such dispute shall be resolved by
arbitration in New York, New York in accordance with the commercial arbitration
rules of the American Arbitration Association and the provisions of this Lease
by three (3) arbitrators each of whom shall have at least ten (10) years
experience in the supervision, operation and management of major office or
commercial buildings.
22.02 The party requesting arbitration shall do so by giving notice to
that effect to the other party specifying the nature of the dispute. The cost,
expenses and fees incurred by the prevailing party shall be paid by the
non-prevailing party. Should there be no prevailing party, the arbitrators shall
determine the apportionment of such costs, expenses and fees. The decision and
award of the arbitrators shall be in writing, shall be final and conclusive on
the parties and counterpart copies thereof shall be delivered to each of the
parties. In rendering the decision and awards, the arbitrators shall not add to,
subtract from or otherwise modify the provisions of this Lease. Judgment may be
had on the decision and award of arbitrators so rendered in any court of
competent jurisdiction.
34
ARTICLE 23
Waivers
23.01 Waiver of Jury Trial. The Landlord and Tenant waive the right to a
trial by jury in any action, counterclaim, proceeding or litigation arising out
of, under or in connection with or related to the subject matter of this Lease.
This waiver is knowingly, intentionally and voluntarily made by Tenant and
Tenant acknowledges that neither the Landlord nor any person acting on behalf of
Landlord has made any representations of fact to induce this waiver of trial by
jury or in any way to modify or nullify its effect. Tenant further acknowledges
that it has been represented (or has had the opportunity to be presented) in the
signing of this Lease and in the making of this waiver by independent legal
counsel, selected of its own free will and that it has had the opportunity to
discuss this waiver with counsel. Tenant further acknowledges that it has read
and understands the meaning and ramifications of this waiver provision.
23.02 Except as specifically other may be provided under this Lease, each
of the parties shall be entitled in addition to the rights and remedies provided
herein to those provided by law.
35
ARTICLE 24
No Other Waivers or Modifications
24.01 The Landlord and Tenant mutually covenant and agree that the failure
of the Landlord to declare any default immediately upon occurrence thereof, or
delay in taking any action in connection therewith or acceptance of Rent after
occurrence thereof, shall not waive such default but the Landlord shall have the
right to declare any such default at any time and take such action as might be
lawful or authorized, either in law or at equity. The receipt by the Landlord of
rent from any assignee, sublessee or other occupant of the Demised Premises
shall not be deemed a waiver of the terms of this Lease prohibiting such
assignment or subleasing or any acceptance of such assignee, sublessee or other
occupant or a release of Tenant from the further observance of all terms and
covenants hereof
The failure of either party to insist (in any one or more instances) upon
the strict performance of any one or more of the terms or conditions of this
Lease or to exercise any right, remedy or election herein contained shall not be
construed as a waiver or relinquishment for the future of the performance of
such one or more obligations of this Lease or of the right to exercise such
election but the same shall continue and remain in full force and effect with
respect to any subsequent breach, act or omission. No agreement hereafter made
between the Landlord and Tenant shall be effective to change, modify, waive,
release, discharge, terminate or effect any abandonment of this Lease in whole
or in part unless such agreement is in writing, refers expressly to this Lease
and is signed by the party against whom enforcement of the change, modification,
waiver, release, discharge or termination or effectuation of the abandonment is
sought.
24.02 The following specific provision of this Section shall not be deemed
to limit the generality of the foregoing provisions of this Article:
(a) No agreement to accept a surrender of all or any part of the Demised
Premises prior to the end of the Term shall be valid unless in writing in
form acceptable to the Landlord.
36
ARTICLE 25
Estoppel Certificate
25.01 Tenant and Landlord agree, at any time and from time to time, during
the Term, upon not less than thirty (30) days prior notice from the other, to
execute, acknowledge and deliver to the other a statement in writing addressed
to the other:
(i) that this Lease is in full force and effect;
(ii) that Tenant knows of no default hereunder on the part of the Landlord
or if it has reason to believe that such a default exists, the nature thereof in
reasonable detail; (iii) the amount of the Rent being paid and the last date to
which Rent has been paid;
(iv) that this Lease has not been modified, or if it has been modified,
the terms and date of such modifications;
(v) that the terms of this Lease has been commenced;
(vi) the Commence and Expiration Dates;
(vii) whether all work to be performed by the Landlord has been completed;
(viii) whether the Renewal Term options, if any, has been exercised;
(ix) whether there exist any claims or deductions from or defense to the
payment of Rent;
(x) stating whether or not the other has knowledge that the requesting
party is in default in the performance of any term or condition contained in
this Lease and if the other has knowledge of such default, specifying each such
default;
(xi) stating the address to which notice shall be sent;
(xii) such other matters as may be reasonably requested by the requesting
party.
25.02. If Tenant fails to execute and deliver to the Landlord a completed
certificate as required under this Section, Tenant hereby appoints the Landlord
as its attorney-in-fact to execute and deliver such certificate for and on
behalf of Tenant.
37
ARTICLE 26
Landlord's Representation
26.01 As of the Commencement Date, to the knowledge of Landlord, there
will be no material defects in the heating, ventilating, air conditioning,
electrical, plumbing, elevator, telephone, mechanical and other building
systems, exterior walls, roofs, windows and other structural elements of the
premises, real property or the improvements located upon the demised premises.
26.02 Landlord has received all licenses, permits and authorizations
(including, without limitation, occupancy permits) necessary to use, occupy and
operate the premises for the purposes for which they are now used, occupied and
operated, and such licenses, permits and authorizations are now in full force
and effect and are fully transferable to the Tenant at no charge (except
customary, minor filing fees or similar minor charges or costs).
38
ARTICLE 27
Recording of Lease
27.01 Tenant covenants and agrees that Tenant shall not record or permit
to be recorded this Lease or any memorandum thereof without obtaining the
Landlord's express prior written consent.
39
ARTICLE 28
No Other Representations, Construction, Governing Law
28.01 This Lease supersedes and revokes all previous negotiations,
arrangements, letters of intent, offers to lease, lease proposals, brochures,
"Representations" (meaning covenants, promises, assurances, agreements,
representations, conditions, warranties, statements and understanding), and
information conveyed, whether in writing, between the parties hereto or their
respective representatives or any other persona purporting to represent the
Landlord or Tenant. Tenant expressly acknowledges and agrees that the Landlord
has not made and is not making, and Tenant, in executing and delivering this
Lease, is not relying upon and has not been induced to enter into this Lease by
any Representations except to the extent that the same are expressly set forth
in this Lease or in any other written agreement which may be made and executed
between the parties concurrently with the execution and delivery of this Lease
and shall expressly refer to this Lease and not such Representations not so
expressly herein set forth shall be used in the interpretation or construction
of this Lease and the Landlord shall have no liability for any consequences
arising as a result of any such Representations not so expressly herein set
forth.
This Lease contains the entire agreement between the parties and all prior
negotiations and agreements are merged into this Lease. This Lease may not be
changed, modified terminate or discharged, in whole or in part, nor any of its
provisions waived except by a written instrument which (i) expressly refers to
this Lease, and (ii) is executed by the party against whom enforcement of this
change, modification, termination, discharge or waiver is sought.
28.01 If any of the provisions of this Lease, or the application thereof
to any person or circumstances shall to any extent be invalid or unenforceable,
the remainder of this Lease or the application of such provisions to persons or
circumstances other than those as to whom or which it is held invalid or
unenforceable shall not be affected thereby and every provision of this Lease
shall be valid and enforceable to the fullest extent permitted by law.
28.02 The laws of the State of New York applicable to contracts made and
to be performed wholly within the State of New York shall govern and control the
validity, interpretation, construction, performance and enforcement of this
Lease without giving effect to the principles of Conflict of Laws and shall
apply to any dispute or controversies arising out of or pertaining to this
Lease.
40
ARTICLE 29
Parties Bound
29.01 The obligations of this Lease shall bind and benefit the successors
and assigns of the parties with the same effect as if mentioned in each instance
where a party name referred to. However, the obligations of the Landlord under
this Lease shall not be binding upon the Landlord herein named with respect to
any period subsequent to the transfer of its interest in the Building as owner
thereof and in the event of such transfer said obligations shall thereafter be
binding upon each transferee of the interest of the Landlord herein named as
such owner or lessor of the building but only with respect to obligations
arising during the period commencing with such transfer and ending with a
subsequent transfer within the meaning of this Article, and such transfer by
accepting such interest shall be deemed to have assumed such obligations except
only as may be expressed otherwise provided elsewhere in this Lease.
29.02 Delivery of this Lease to Tenant for execution shall not constitute
a reservation of or option for the Demised Premises or an offer by the Landlord
to lease the Demised Premises and this Lease shall not be binding and effective
until executed by both parties hereto.
41
ARTICLE 30
Authority to Enter into Lease
If Tenant is a corporation, each individual executing this Lease on behalf
of the corporation represents and warrants that he is duly authorized to execute
and deliver this Lease on behalf of the corporation, in accordance with a duly
adopted resolution of the Board of Directors of said corporation or in
accordance with the by-laws of said corporation, and that this Lease is binding
on the corporation in accordance with its terms. If Tenant is a partnership,
each individual executing this Lease on behalf of the partnership represents and
warrants that he is duly authorized to execute and deliver this Lease on behalf
of the partnership, in accordance with the partnership agreement and any
statements of partnership or certificates of limited partnership of the
partnership, and that this Lease is binding on the partnership in accordance
with its terms. Tenant shall, within thirty (30) days of the execution of this
Lease, deliver to Landlord: (a) if Tenant is a corporation, a certified copy of
a resolution of the Board of Directors of the corporation; or (b) if Tenant is a
partnership, a copy of the Statement of Partnership or Certificate of Limited
Partnership of tenant; and (c) other evidence reasonably satisfactory to
landlord authorizing or ratifying the execution of this Lease.
42
ARTICLE 31
Notices - Service of Process
31.01 Any notice, consent, approval, request, communications, xxxx, demand
or statement provided for hereunder by either party to the other party shall be
deemed to have been given upon receipt or refusal, when given writing and sent
by United States mail, certified, return receipt requested or deemed to have
been duly given upon receipt or refusal, if delivered personally by hand,
established, reputable courier or overnight courier, addressed to such other
party together with copies as shown below, which address for the Landlord shall
be Xxxxxx Properties, Xxx 000000, Xxxxxxxxx, Xxxxxxxxxx 00000-0000 and for
Tenant, shall be Union State Bank, 000 Xxxxx Xxxx Xxxx, Xxxxxxxxxx, Xxx Xxxx
00000. Either party may at any time change the address for such notices,
consents, approvals, request, copies, communications, bills, demands or
statements (or copies thereof) by delivery or mailing as aforesaid to the other
party a notice stating the changed address.
31.02 Whenever either party shall consist of more than one person or
entity, any notice, statement, demand or other communication required or
permitted and any payment to be made shall be deemed duly given or paid if
addressed to or by (or in the case of payment by check to the order of) any one
of such persons or entities who shall be designed from time to time as the
authorized representative of such party. Such party shall promptly notify the
other of the identity of such person or entity who is so to act on behalf of all
persons and entities then comprising such party and of all changes in such
identity.
31.03 Tenant shall give notice to the Landlord promptly after Tenant
learns thereof, (i) of any accident in or about the Demised Premises or the
Building, (ii) of all fires in the Demised Premises, and (iii) of all damages to
or defects in the Demised Premises, including the fixtures, equipment and
appurtenances thereof, for the repair of which the Landlord might be responsible
or which constitutes the Landlord's property.
43
ARTICLE 32
Miscellaneous Provisions
32.01 The Article headings and captions or legends in this Lease prefixed
to this Lease are inserted only as a matter of convenience or reference and are
not to be given any effect whatsoever.
32.02 It is agreed and understood that any Exhibits and Schedules attached
hereto form an integral part of this Lease and are hereby incorporated by
reference.
32.03 The Landlord and its agents shall have the right to enter and/or
pass through the Demised Premises: (a) to examine the Demised Premises and to
show them to actual and prospective superior lessors, superior mortgagees or
prospective purchasers, mortgagees or lessees of the Building; and (b) to make
such repairs, alterations, additions and improvements in or to the Demised
Premises and/or in or to the Building or its facilities and equipment as the
Landlord is required or desires to make. The Landlord shall be allowed to take
all materials into and upon the Demised Premises that may be required in
connection therewith without any liability to Tenant and without any reduction
of Tenant's covenants and obligations hereunder.
32.04 Tenant and its employees and agents shall faithfully observe and
strictly comply with the rules and regulations as may be provided by Landlord
and such reasonable changes therein (whether by modification, elimination or
addition) as the Landlord hereafter may make and communicate in writing to
Tenant which do not unreasonably affect the conduct of the permitted use of the
Demised Premises (the "Rules and Regulations"). Tenant's rights to dispute the
reasonableness of any changes in the Rules and Regulations shall be deemed
waived unless asserted by notice to Landlord within thirty (30) days after the
date upon which the Landlord shall have given notice to Tenant of the adoption
of any such changes in which case such dispute shall be determined by
arbitration pursuant to Article 22. In case of any conflict or inconsistency
between the provisions of this Lease and any Rules and Regulations as originally
promulgated or as changed, the provisions of this Lease shall control. The
Landlord shall have no duty or obligation to enforce any Rules or Regulation or
any term, covenant or condition of any other lease against any other tenant or
occupant of the Building, and Landlord shall have no liability to Tenant for any
violation of the same by any other tenant or occupant of the Building; however,
if such rules and regulations shall be enforced, such rules and regulations
shall be enforced uniformly and on a nondiscriminatory basis.
44
ARTICLE 33
Renewal Terms
The term of this Lease may be extended, at the option of the Tenant, for
three (3) additional periods of five (5) years (referred to herein as "Renewal
Terms").
The option to renew shall be exercised by Tenant by written notice to the
Landlord not more than twelve (12) months nor less than six (6) months prior to
the expiration of the then existing term.
Each renewal term shall be on the same terms, covenants and conditions set
forth in this Lease provided, however, the annual rental for each renewal term
shall be at fair market value determined as follows:
(a) By mutual agreement of the Landlord and Tenant; or
(b) In the event Landlord and Tenant are unable to agree on fair market
value as of the date of the renewal, then, in such event, Landlord and Tenant
shall respectively designate one appraiser/real estate professional, each having
knowledge and experience in commercial leases in the New York City area. The
designated representatives of the Landlord and Tenant shall jointly designate a
third appraiser/real estate professional. Such third person shall provide a
written opinion as to the fair market value based upon an analysis of the market
conditions as of the date set for renewal and such person's opinion as to the
annual rental shall be final and binding on both the Landlord and the Tenant
The annual rental shall be increased on the first date of each renewal
term in accordance with the foregoing.
IN WITNESS WHEREOF, the parties hereto have executed this Lease the day
and year first above written.
UNION STATE BANK, Tenant
Landlord
By:__________________________________ By:_____________________________________
45
EXHIBIT I
FORM OF La Jolla Bank COUNSEL'S OPINION
TO BE RENDERED BY
______________, 2000
[preliminary comments only]
[subject to further comment and opinion committee review]
[Buyer's Address]
[Introductory Paragraphs]
On the basis of the foregoing, and having regard for such legal and other
considerations as we deem appropriate, as of the date hereof we are of the
following opinion:
(1) Seller is a savings bank duly organized and validly existing under the
laws of the United States; it has the corporate power and authority to own and
operate its properties and to conduct its business as a savings association in
the manner in which it is presently being conducted; and Seller has the
corporate power and authority to execute and deliver the Agreement and to carry
out all of the transactions contemplated therein.
(2) The execution and delivery of the Agreement has been duly authorized
by all necessary corporate action to be taken on the part of Seller; and
(assuming due execution and delivery by Buyer), the Agreement and each of such
other documents and instruments are valid and binding obligations of Seller,
subject to bankruptcy, insolvency, reorganization, moratorium, fraudulent
conveyance, fraudulent transfer or other similar laws relating to or affecting
the enforcement of creditors' rights generally, laws effecting the rights of
creditors of financial institutions the deposits of which are insured by the
Federal Deposit Insurance Corporation and to general principles of equity,
whether considered in a proceeding at law or in equity.
3) The execution, delivery and performance of the Agreement by Seller
thereof do not conflict with, violate, breach or cause a default under the
Charter or Bylaws of Seller.
(4) Based solely on a certificate from the FDIC, the deposit accounts of
Seller are federally insured to applicable limits and no action is pending or,
to our actual knowledge, threatened with respect to the termination of such
insurance.
This opinion letter maybe governed and interpreted in accordance with the
Legal Opinion Accord of the American Bar Association Section of Business Law
(1991). The law covered by the opinions expressed herein may be limited to the
federal laws of the United States and the law of the State of New York.
41
EXHIBIT J
FORM OF BUYER'S COUNSEL'S OPINION
TO BE RENDERED BY ELIAS, MATZ, XXXXXXX & XXXXXXX
_______________________,2000
[Seller's Address]
[Introductory Paragraphs]
On the basis of the foregoing, and having regard for such legal and other
considerations as we deem appropriate, as of the date hereof we are of the
following opinion:
(1) Buyer is a New York State Banking Association duly organized and
validly existing under the laws of the State of New York; it has the corporate
power and authority to own and operate its properties and to conduct its
business as a New York State Banking Association in the manner described in the
Annual Report on Form 10-K of Buyer's parent holding company, U.S.B. Holding
Co., Inc. (for the year ended December 31, 1999); and it has the corporate power
and authority to execute and deliver the Agreement and to carry out all of the
transactions contemplated therein.
(2) The execution and delivery of the Agreement and each of the documents
and instruments contemplated thereby have been duly authorized by all necessary
corporate action to be taken on the part of Buyer; and (assuming due execution
and delivery by Seller, the Agreement and each of such other documents and
instruments are valid and binding obligations of Buyer, subject to bankruptcy,
insolvency, reorganization moratorium, fraudulent conveyance, fraudulent
transfer or other similar laws relating to or affecting the enforcement of
creditors' rights generally, laws affecting the rights of creditors of financial
institutions the deposits of which are insured by the Federal Deposit Insurance
Corporation and to general principles of equity, whether considered in a
proceeding at law or in equity.
3) The execution, delivery and performance of the Agreement by Seller
thereof do not conflict with, violate, breach or cause a default under the
Charter or Bylaws of Buyer.
(4) Based solely on a certificate from the FDIC, the deposit accounts of
Buyer are federally insured to applicable limits and no action is pending or, to
our actual knowledge, threatened with respect to the termination of such
insurance.
This opinion letter maybe governed and interpreted in accordance with the Legal
Opinion Accord of the American Bar Association Section of Business Law (1991).
The law covered by the opinions expressed herein may be limited to the federal
laws of the United States and the law of the State of New York.
42
