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Village Bank <br />Legal Title of Bank <br />FDIC Certificate Number: 33761 <br />Schedule RI-B Continued <br />Part I. Continued <br />Memoranda <br />Dollar Amounts in Thousands <br />1. Loans to finance commercial real estate, construction, and land <br />development activities (not secured by real estate) included in <br />Schedule RI-B, part I, items 4 and 7, above <br />2. Memorandum items 2.a through 2.d are to be completed <br />by banks with $300 million or more in total assets: (2) <br />a. Loans secured by real estate to non-U.S. addressees (domicile) <br />(included in Schedule RI-B, part I, item 1, above) <br />b. Loans to and acceptances of foreign banks <br />(included in Schedule RI-B, part I, item 2, above) <br />c. Commercial and industrial loans to non-U.S. addressees (domicile) <br />(included in Schedule RI-B, part I, item 4, above) <br />d. Leases to individuals for household, family, and other personal <br />expenditures (included in Schedule RI-B, part I, item 8, above) <br />3. Memorandum item 3 is to be completed by:(2) <br />• banks with $300 million or more in total assets, and <br />• banks with less than $300 million in total assets that have loans to <br />finance agricultural production and other loans to farmers <br />(Schedule RC-C, part I, item 3) exceeding five percent of total loans: <br />Loans to finance agricultural production and other loans to <br />farmers (included in Schedule RI-B, part I, item 7, above) <br />Memorandum item 4 is to be completed by banks that (1) together with affiliated <br />institutions, have outstanding credit card receivables (as defined in the instructions) <br />that exceed $500 million as of the report date or (2) are credit card specialty banks <br />as defined for Uniform Bank Performance Report purposes. <br />4. Uncollectible retail credit card fees and finance charges reversed against income (i.e., not included <br />in charge -offs against the allowance for loan and lease losses) <br />(Column A) (Column B) <br />Charge-offs(1) Recoveries <br />Calendar year-to-date <br />Bil 1 Mil I Thou RIAD Bil 1 Mil 1 Thou <br />(1) Include write -downs arising from transfers of loans to a held -for -sale account. <br />(2) The $300 million asset size test and the five percent of total loans test are generally based on the total assets <br />and total loans reported on the June 30, 2011, Report of Condition. <br />Calendar year-to-date <br />RIAD Bil 1 Mil 1 Thou <br />C388 N/A <br />FFIEC 041 <br />Page 10 of 71 <br />RI-6 <br />M.4 <br />