Charles N. Ernst

CHARLES N. ERNST joined Putnam Lovell Securities, Inc., in June 1999 as
a Research Analyst in the Commercial Banking sector. He was recently
promoted to Vice President. While at Putnam Lovell, Mr. Ernst’s coverage
has focused on Southeastern banks, while dedicating time to other larger
issues within the banking sector. Prior to joining Putnam Lovell, Mr.
Ernst was an associate on the second highest ranked 1999 bank team,
according to Institutional Investor, while at Salomon Smith Barney.
Earlier he worked at Smith Barney Capital Management. Mr. Ernst holds a
BS in Economics from Denison University.
Jason Goldberg is a Senior Vice President and Senior Research Analyst at
Lehman Brothers covering the Regional Banking industry. He joined
Lehman in July 2000. He began covering the banking industry in June 1995
at Smith Barney and then at Salomon Smith Barney. He was named to the
Institutional Investor magazine’s All-American Research Team for Mid-Cap
Banks in 2002, ranking #1, the inaugural year of this category. He also
placed second among all bank analysts in the 2002 StarMine/NASDAQ annual
survey for earnings estimate accuracy. He received a Bachelor of
Business Administration from the University of Michigan and is a
Chartered Financial Analyst.