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PROPOSAL FOR BANKING SERVICE <br />BANK NEWEST <br />Provide a description of your institution's financial status, officers, and business <br />practices and philosophy, including: <br />A. Current summary financial data, including summary income statements and <br />balance sheets, and financial ratios. <br />RATINGS <br />Bank of the West has strong investment -grade credit ratings from S&P, Moody's and Fitch. We <br />maintain a strong balance sheet and demonstrate a consistent financial performance. <br />BANK OF THE WEST CREDIT RATINGS <br />Rating Agency: <br />Long Term A <br />Short Term A-1 <br />Rating Agency: <br />Long Term <br />Short Term <br />A2 <br />P-1 <br />A+ <br />F1 <br />BNP PARIBAS CREDIT RATINGS <br />AA- <br />A-1 + <br />Aa3 <br />P-1 <br />A+ <br />F1+ <br />STRONG CAPITAL POSITION <br />Bank of the West is one of the 25 largest commercial banks out of over 9,400 in the United <br />States. Bank of the West's Tier 1 Capital ratio was 14.20% in Q4, 2011, a capital position that is <br />significantly higher than regulatory requirements. <br />CAPITAL RATIO <br />Tier 1 Risk -Based Capital <br />Ratio <br />Total Risk -Based Capital <br />Ratio <br />Tier 1 <br />average Ratio <br />BANK OF THE WEST <br />Q4, 2011 <br />14.20% <br />15.45% <br />11.57% <br />Bank of the West's Annual Financial Statements can be downloaded here: <br />https://www.bankofthewest.com/about-us/our-companv/annual-reports.html <br />We have also printed paper copy for your records. <br />131Page <br />