SEC Follow Up Exhibits Part C SEC_OEA_FCIC_001760-2501

Table of Contents
The market price of our common stock may be volatile, which will also affect the market price of the Series G Preferred Stock.
We cannot predict how the shares of our common stock will trade in the future. In addition, to the extent that a secondary market
for the Series G Preferred Stock develops, we believe that the market price of the Series G Preferred Stock will be significantly
affected by the market price of our common stock. This may result in greater volatility in the market price of the Series G Preferred
Stock than would be expected for nonconvertible preferred stock. From January 1, 2005 to May 15, 2008 the reported high and low
sales prices for our common stock ranged from a low of $5.77 per share to a high of $10.80 per share. The market price of our
common stock will likely continue to fluctuate in response to a number of factors including, without limitation, the following:
• weakness in the real estate market, including the secondary residential loan markets, has
adversely affected us and may continue to do so;
• our real estate portfolios are exposed to weakness in the U.S. housing markets and the overall
state of the economy;
• the residential mortgage loan market and business have adversely affected our credit ratings;
• the allowance for loan losses may prove inadequate or be negatively affected by credit risk
exposures;
• we could experience difficulties in managing growth and effectively integrating acquisitions;
• if we do not adjust to rapid changes in the financial services industry, our financial performance
may suffer;
• future governmental regulation and legislation could limit future growth;
• changes in interest rates could reduce income and cash flows; and
• our results of operations and ability to make distributions to securities holders depend upon the
results of operations of our subsidiaries.
The market price of our common stock may also be affected by market conditions affecting the stock markets in general,
including, without limitation, changes in general economic, financial and other market conditions; changes in securities analysts’
estimates of financial performance; volatility of securities market prices and volumes; rumors or erroneous information; changes in
market valuations of similar companies; changes in interest rates; new developments or exceptions regarding the financial services
banking industry; changes in quarterly or annual operation results or outlook; changes in competitive conditions; continuing
consolidation in the financial services industry; new litigation or changes in existing litigation; regulatory actions and changes in rules
or policies; changes in accounting policies and procedures; losses and customer bankruptcies, claims and assessments. These
conditions may result in (i) volatility in the level of, and fluctuations in, the market prices of stocks generally and, in turn, our
common stock and (ii) sales of substantial amounts of our common stock in the market, in each case that could be unrelated or
disproportionate to changes in our operating performance. These broad market fluctuations may adversely affect the market prices of
our common stock, and, in turn, the Series G Preferred Stock.
In addition, we expect that the market price of the Series G Preferred Stock will be influenced by yield and interest rates in the
capital markets, our creditworthiness and the occurrence of events affecting us that do not require an adjustment to the conversion
price.
There may be future sales or other dilution of our equity, which may adversely affect the market price of our common stock or the
Series G Preferred Stock.
We are not restricted from issuing additional common stock or preferred stock, including any securities that are convertible into
or exchangeable for, or that represent the right to receive, common stock or preferred stock or any substantially similar securities. The
market price of our common stock or preferred stock could
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