An opportunity exists today that may not likely come our way again!

Given the current economic environment, from the mortgage crisis to the "credit crunch" affecting large and small business, to the public's concern with the financial viability of existing banks in virtually all regions of the country, this is, indeed, an ideal time to start a bank.

Independent Bank Developers, LLC ("IBD") has the experience and management expertise to take your organizing group from the initial vision to the opening of "your community bank". The timing simply could not be better!

Consider these important facts -

• A newly chartered bank will open the doors clean - no problem loans on the books, no loss or reserve concerns, and no regulatory problems.
  
  
• Due to an absolutely clean loan portfolio, new business clients, professionals, and affluent individuals can have a real confidence that "their bank" is safe and sound.
  
  
• While the current recessionary environment will likely continue for sometime, the opening date projected for a newly forming bank should position it to take full advantage of the recovery.
  
  
• Recent business "downturns" in the economy have generally seen the economy come back stronger than prior to the onset of conditions that led to the downturn. Again, your new bank should be able to take full advantage of the recovery.
  
  
• Most business and professional clients have concerns with their current bank and are looking for a new, innovative, healthy and locally owned and managed bank.
  
  
• It is indeed an excellent time to start a new bank! Contrary to what you may have heard, banking regulators want to see the formation of new banks.

The professionals at Independent Bank Developers, LLC have been successfully assisting our clients with the formation of new community banks for over 25 years.

Please keep in mind that we are a team of bank consultants, not stock brokers/dealers. None of our staff or consultants are broker/dealers. None of the information provided herein is investment advice.

Regards,
Ernest Garfield
President