RBC Capital Markets Financial Institutions Conference
September 25-26, 2007
Harbor View Hotel, Martha's Vineyard, MA

Tuesday, September 25, 2007
Time (ET)	Manemsha - Panels	Chilmark - Individual Presentations
7:00 a.m.	Breakfast
8:30 a.m.	Mergers and Acquisitions - "Is the Window About to Close?" PrivateBancorp, Inc., Western Alliance Bancorporation and Wells Fargo & Company
9:00 a.m.		City Holding Company
9:35 a.m.	Retail Banking - "Strategies to Succeed" TCF Financial Corporation, Sovereign Bancorp. Inc., and The Kafafian Group	SVB Financial Group
10:05 a.m.		Boston Private Financial Holdings, Inc.
10:40 a.m.	Midwest Banking Panel Citizens Republic Bancorp, Mercantile Bank Corporation, Wintrust Financial Corporation	East West Bancorp, Inc.
11:10 a.m.		Valley National Bancorp
11:45 a.m.	Mortgage REITS - "Managing Through a Difficult Yield Curve Environment" Annaly Capital Management, Inc., RBC Capital Markets	Sovereign Bancorp, Inc.
12:15 p.m.		Capital Corporation of the West
12:45 p.m.	Lunch
2:00 p.m.	Credit Quality - "Fighting a Rising Tide of Credit Losses" Westamerica, Promontory Financial Group, Gladstone Investment Corporation	Bryn Mawr Bank Corporation
2:30 p.m.		Home Bancshares, Inc.
3:05 p.m.	Equity REITS - "The Outlook For Commercial Real Estate" Kimco Realty Corporation, Host Hotels & Resorts, Mid America Apartment Companies	Franklin Bank Corporation
3:35 p.m.		Preferred Bank
4:10 p.m.	Mortgage Banking - "Strategies To Contend With A Challenging Operating Environment" BankUnited Financial Corporation	TriCo Bancshares
4:40 p.m.		Columbia Bancorp
6:00 p.m.	Reception & Lobster Dinner

Wednesday, September 26, 2007
Time (ET)	Manemsha - Panels	Chilmark - Individual Presentations
6:30 a.m.	Breakfast
7:45 a.m.	West Coast Banks HarringtonWest Financial Group, Inc., Zions Bancorporation, Castle Creek Capital	Independent Bank Corp.
8:15 a.m.		Camden National Corporation
8:50 a.m.	Business Development Companies - "Risks and Opportunities in a Hot and Competitive Market" Apollo Investment Corporation, Ares Capital Corporation, Gladstone Investment Corporation	CoBiz, Inc.
9:20 a.m.		UCBH Holdings, Inc.
9:55 a.m.	Structured Products - "Does Growth Have Any Limits" RBC Capital Markets, Crystal River Capital, Alesco Financial, Inc.	Astoria Financial Corporation
10:25 a.m.		Enterprise Bancorp
11:00 a.m.	Foreign Banks - "Opportunities and Challenges in Acquiring and Operating Banks in the US" Toronto-Dominion Bank, Bank of Montreal, Royal Bank of Canada	Cascade Bancorp
11:30 a.m.
12:00 p.m.	Lunch