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<p><img src="images/client_advisors_header.gif" alt="Client Advisors" width="383" height="35"> </p>

<ul type="circle">
<li><font size="2"><a href="pdf/badboy_provisions.pdf" target="_blank">Adoption of 
&#147;Bad Boy&#148; Provisions in Compensation Plans</a> - (93k)</font></li>
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<a target="_blank" href="pdf/A%20Roadmap%20for%20the%20Purchase%20and%20Risk%20Management%20of%20BOLI.pdf">
A Roadmap for the Purchase and Risk Management of BOLI</a> - (25k)</font></li><li><span class="123450319-12102007">
<a href="pdf/Grady_article.pdf" target="_blank"><font size="2">Bank and Business Split Dollar Plans</font></a> <font size="2">(178k)</font></span></li>
<ul type="disc"><li><font size="2">
<a href="AALU%20Educational%20Webinar%20-%20PowerPoint%20Presentation.ppt" target="_blank"> Click here to view the power point presentation from October 9, 2007 Webinar  </a></font><font size="2">(142k)</font><br>
</li>
</ul>
<li><font size="2"><a href="pdf/BOLI_article_for_print_March_19_2004.pdf" target="_blank">Bank-Owned
Life Insurance Presents a Window of Opportunity</a> - (120k)</font></li>
<li><font size="2"><a href="pdf/boli_7_21_2003.pdf" target="_blank">BOLI-Financed 
Executive Compensation</a> - (111k)</font></li>
<li><font size="2"> <a href="pdf/Interagency_BOLI_Article.pdf" target="_blank">BOLI Investment Policy & Annual Post-Purchase Risk Assessment.</a> 
- (31k)</font></li>
<li><font size="2"> <a href="pdf/client_letter_overdraft_protection2.pdf" target="_blank">
Bounce Protection Overdraft Coverage: Doing It the Right Way</a> - (107k)</font></li>
<li><font size="2"> <a href="pdf/buying_and_selling_branches.pdf" target="_blank">Buying 
and Selling Branches</a> - (131k)</font></li>
<li><font size="2"> <a href="pdf/data_processing_outsourcing.pdf" target="_blank">
Data Processing Outsourcing Contracts </a>- (87k)</font></li>
<li><font size="2"> <a href="pdf/Client_letter_re_overdraft_protection_issues_May_7_2004.pdf" target="_blank">
Doing Overdraft Protection Coverage The Right Way </a>- (65k)</font></li>
<li><font size="2"><a href="pdf/home_equity_lending.pdf" target="_blank">&quot;Fee 
& Easy&quot; Home Equity Lending</a> - (170k)</font></li>

<li><font size="2">
<a target="_blank" href="pdf/New%20Bank%20Supervisory%20for%20Commercial%20Real%20Estate%20Article%20March%206,%202006.pdf">
New Bank Supervisory Expectations for Commercial Real Estate Credit 
Concentration</a> - (32k)</font></li>
<li><font size="2"> <a href="pdf/sweep_accounts.pdf" target="_blank">Sweep Accounts</a> 
- (254k)</font></li>
                                            <li><font size="2"> <a href="pdf/April 29, 2008.pdf" target="_blank">Recent Federal Bank Regulatory Accounting Advisory<br />
                                            Merits Review of Nonqualified Deferred Compensation
                                            </a> 
- (254k)</font> </li>
 <li><font size="2"> <a href="pdf/Excerpt from CRA Book.pdf" target="_blank">The New CRA: A Practical Guide to Compliance
                                            </a></font>&nbsp;</li><ul type="disc"><li><font size="2">
In a “how to” compliance manual written in 1996 to explain new requirements under the banking agencies’ 1995 revised CRA regulations, Francis Grady accurately prophesied that nontraditional lending programs which began in the mid 1990s would contribute to the next cycle of credit losses</font><br>
</li>
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<blockquote> 
<p><font size="2">These articles have not been updated since the date their original 
publication. There may have been changes in statutes, regulations or applicable 
legal principles since that date. The contents of these articles should not be 
construed as legal advice. Readers should not act upon information presented in 
these articles without individual professional counseling. For an analysis of 
issues affecting you and your business, please either contact us or your own attorney.</font></p>
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	<li><b><font color="#000000" size="2">Regular office hours are:<br>8:30 a.m. to 5:00 p.m.<br>Monday through Friday. 
	<br>We are closed most recognized holidays. </font></b></li>
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<p align="center"><font size="2"><b>Our offices are located at<br>
20950 Center Ridge Road<br>
Rocky River, Ohio 44116</b></font></p>
<p align="center"><font size="2"><b>Telephone: 440-356-7255 <br>
or Fax: 440-356-7254<br>
Contact us via our <a href="contact_form.htm">online web form.</a><br>
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