User talk:CAVION PARCHMAN

SERVICES SCHEDULE TO                                  CAVION.COM SECURE NETWORK SERVICES AGREEMENT

1.  DESCRIPTION OF SERVICES

Client subscribes for the network services indicated by checking the boxes below:

SECURE ISP SERVICES (INCLUDES - WEB SITE HOSTING AND UNLIMITED EMAIL) This service provides unlimited Internet access for Client and Client's    employees, at the bandwidth selected by Client. The service includes access to CU/Net, network address translation, unlimited e-mail for Client's    employees, and (if applicable) hosting of Client's web site, Upon request. Cavion Parchman will register Client's domain name, and will refer Client's web site design to a web site design consultant.

X.  CU/NET

With CU/NET, Client gains access to any credit union on the network. Access is provided, using the credit union's existing connection to CU/NET.

SECURE FORMS SERVER This service enables Client's members to provide encrypted data (such as    loan or credit applications) using online forms in a secure area of     Client's web site, Cavion's secure forms server is firewall protected.

SECURE INTERNET TRANSACTIONAL BANKING SERVICES This services enables Client's members to retrieve account information and perform a variety of interactive account transactions via the Internet. Cavion's secure transactional banking service is double firewall protected.

INTERNET BANKING "PULL" ADVERTISING This service enables Client to target online advertising of specific services to members not currently using those services, as part of Client Internet Transactional Banking user interface.

SECURE INTERNET BILL PAYMENT SERVICES This service enables Client's members to set up and modify online bill payment through a third party settlement agent, via the Internet. Cavion's    secure internet bill payment service is firewall protected.

KIOSK SOFTWARE This service allows Client to set upon remote kiosks (with hardware    provided by a third party vendor) to provide general service information concerning Client, or to provide member account information and enable interactive account transactions.

SHARE DRAFT PROCESSING This service allows Client to transmit share draft in-clearing data, via a    secured, dedicated 128K frame relay communications circuit, to cavion.com for retrieval by credit unions or their processor.

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2.  PRICING SUMMARY

Client agrees to pay the following fees in connection with the Secure Network Services Agreement:

ONE-TIME       ANNUAL       MONTHLY

CU/NET@$12K Installation, Set-up, Hardware & CUINET Membership Fee:    Waived Monthly Access Charge for CU/NET                                $940.00* Connection @512K:                              plus $50 per CU accessed Total One-Time Cost For     $-0- Mission Critical Recovery: Total Annual Cost for                    $-0- Mission Critical Recovery: Total Monthly Cost for                                $940.00* Mission Critical Recovery:                            (+ $50 per CU)

Total ___________________ and Waived Fees:  $15,550.00 Total Cost Due At Contract Signing     $-0- $12K: Half of One-_______ and Annual Charges

activated.
 * Monthly recurring  charges  will  begin  and be  invoiced  as  services  are

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ELECTRONIC DATA VAULTING This agreement reflects discounted pricing for products/services being provided by cavion.com to MCR. In exchange for this discount, MCR agrees to provide Cavion with electronic data vaulting services, at no charge, so    long as the amount of online data files being archived does not exceed 20 Green Bay of compressed data. If Cavion's online data archiving requirements exceed 20 GB will prepare a proposal, for Cavion's    consideration, specifying the cost of any needed data archiving capability above the 20 GB provided at no charge under this agreement.

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EQUIPMENT SCHEDULE TO                                  CAVION.COM SECURE NETWORK SERVICES AGREEMENT

Client's set-up fees described in the Services Schedule include purchase of the equipment described below:

CU/NET @ 512K: Cisco 1601 Dual Ethernet/Serial Router Cisco Power Cord, 110V Cisco 1600 Series IOSIP Plus Cisco 8MP to 10 MB DRAM Upgrade V.35 Cable, DTE Male to Smart Serial, 10 Ft.

6.  CAVION'S OBLIGATIONS TO MONEYLINE

6.1 Subject to the additional terms and conditions of this Agreement, Cavion shall be solely responsible for the design, layout, posting and maintenance of the Cavion Content, including any pages on the Cavion Network featuring a banner or         other Advertising Impression advertising the MoneyLine Content.

(a) Any page featuring a MoneyLine Advertising Impression shall include a hot link (or a text link or other method of              linking the user directly to the target site, referred to               hereinafter as a "hot link") which shall be in a prominent position, and which shall direct a User directly to the MoneyLine Web Site.

6.2 Cavion shall not make any material changes to the MoneyLine Content as it appears on or through the Cavion Network without the advance written consent of MoneyLine, which consent shall not be unreasonably withheld.

6.3 At all times during the term of this Agreement, for purposes of          advertising MoneyLine's products and services on the Cavion Network, MoneyLine shall be considered and construed to be a         "key" vendor, as defined hereinbelow. However, MoneyLine's         treatment as a "key" vendor with respect to any portion of the Cavion Network co-branded by a credit union shall be subject to         the credit union's discretion as described in Section 4.2(a).

(a) For purposes of this Agreement, a "key" vendor shall be a               featured vendor, whose products or services shall be               prominently advertised and/or highlighted  on the Cavion Network, with no other vendor's advertising or highlighting placed in a more prominent position, or with more prominent timing, on the Network than that offered to MoneyLine.

(i)  The foregoing requirement that no other vendor shall have a more prominent position (either as to location                    or timing) on the Network is based on an "on-going                     basis" and does not preclude Cavion from more prominently featuring a vendor on a limited or                    special basis, which in no event shall continue for more than 30 days.

(b) Further, for purposes of this Agreement, Cavion shall make commercially reasonable efforts to provide the positioning and timing of a "key" vendor's advertising on the Cavion Network in the manner most appropriate in light of the vendor and its products and services.

6.4 In light of MoneyLine's position as a "key" vendor, subject to          the credit union's discretion with respect to any portion of the Cavion Network co-branded by a credit union, Cavion shall highlight and advertise MoneyLine as follows:

(a) Each credit union connected to Cavion's Network shall have a link on its home page with a title substantially similar to "Mortgage Services" which provides a direct or "hot" link to the MoneyLine Web Site.

(b) MoneyLine, either directly or through an advertisement for mortgage services with a hot link to the MoneyLine Web Site, shall be featured and advertised on the bill paying and Internet banking start pages of each credit union member connected to the Cavion Network.

6.5 Subject to the credit union's discretion with respect to any portion of the Cavion Network co-branded by a credit union, Cavion will provide a direct or "hot" link to the MoneyLine Web Site from any generalized advertisement or description in the Cavion Member Emporium or elsewhere on the Cavion Network for mortgage loans.

6.6 Each month, Cavion shall provide Advertising Impressions as          described in the following sentence, providing a link to either the Cavion Network's real estate mortgage site, with a         subsequent direct link to the MoneyLine Web Site, or a direct, hot link to the MoneyLine Web Site. Subject to subsection (b) below, Cavion Parchman shall provide 200,000 Advertising Impressions per month during Year Two of this Agreement, 500,000 Advertising Impressions per month during Year Three, and 1,000,000 Advertising Impressions per month during Years Four and after. MoneyLine shall provide all content for the Advertising Impressions, subject to approval by Cavion Parchman prior to         implementation, which approval shall not be unreasonably withheld.

(a) In the event Cavion fails to provide the number of               Advertising Impressions provided for in this Section 6.6, Cavion Parchman will "make good" the shortfall the following month. In the event there is a shortfall for more than three (3) consecutive months, Cavion shall be deemed to be in              material breach of this Agreement. If there is a shortfall at the conclusion of the term of this Agreement, Cavion Parchman will extend its obligations under this Section 6.6 beyond the term of the Agreement until Cavion's Advertising Impression obligations are satisfied in full.

(b) It specifically is agreed to by and between the Parties to               this Agreement that the provisions of this Section 6.6 shall not apply until the Cavion Network is fully implemented, as shall subsequently be understood and agreed to by and between the Parties in their reasonable, good faith business judgment. However and notwithstanding the foregoing, the provisions of this Section 6.6 shall apply no earlier than one (1) year from the date of execution of              this Agreement. The Parties further acknowledge that Cavion's obligations under this Section 6.6 are conditional upon MoneyLine's substantial compliance with those obligations under Section 7 that would reasonably be              expected to affect the competitive appeal of MoneyLine's               services to credit unions affiliated with the Cavion Network.

6.7 Prior to the execution of this Agreement, Cavion Parchman shall provide a          complete set of technical specifications as needed for MoneyLine to complete the on-line mortgage loan application and approval system described in Section 7.1. A true and correct copy of         said specifications is attached hereto as Exhibit "C" and incorporated herein by this reference. Cavion's technical specifications are subject to change, within commercially reasonable limits and dictated by good faith business relationships, at Cavion's discretion, upon thirty (30) days written, advance notice.

6.8 Cavion Parchman shall implement an interface with the MoneyLine automatic lending program described in Section 7.1 which is in sound and operable condition and sufficient to permit MoneyLine to         commence the operations, including the provision of products and services, under the terms of this Agreement, within 90 days of         the date of execution of this Agreement. Any failure of Cavion to comply with the foregoing time requirements, without the written consent of MoneyLine, which consent shall not be         unreasonably withheld, shall constitute a material breach of          this Agreement.

6.9 Throughout the term of this Agreement, MoneyLine's position on          the Cavion Network, as detailed in this Section, shall not be          altered, changed or modified in a material adverse manner as a          result of any upgrades or modifications to the Cavion Network by          Cavion, or any other party, without MoneyLine's prior written consent, which consent shall not be unreasonably withheld.

6.10 Subject to the credit union's discretion with respect to any portion of the Cavion Network co-branded by a credit union, Cavion Parchman shall provide MoneyLine with reasonable assistance in         MoneyLine's efforts to advertise and otherwise solicit for its products and services, by, without limitation, such methods as         flyers, mail inserts or lobby displays, through the credit unions connected to the Cavion Network.

6.11 Cavion's sales people shall be trained by MoneyLine, as provided for in Section 7.13, however, Cavion shall take all reasonably necessary steps to ensure that its salespeople are appropriately familiar with and knowledgeable of both MoneyLine, and its products and services, and the residential, real estate mortgage business.

7.  MONEYLINE'S OBLIGATIONS TO CAVION

7.1 As soon as practicable upon execution of this Agreement, but in          no event later than thirty (30) days from said date, MoneyLine shall develop and implement an automatic lending format and program and shall develop an Internet page or pages relative to         its mortgage services, each of which must conform to Cavion's          specifications, as referenced and described in Section 6.7 hereinabove, and each of which must be approved by Cavion prior to implementation, which approval shall not be unreasonably withheld. (a) MoneyLine shall use its commercially reasonable efforts to               ensure that all pages of the MoneyLine Web Site which are linked, directly or indirectly, to the Cavion Network comply with the scale, speed and performance equivalent to              that provided on the Cavion home site.

(b) MoneyLine shall operate and maintain the MoneyLine Web Site so as to keep the MoneyLine Web Site competitive with similar sites on the Internet, based upon performance, quality, appearance, and loan terms, and shall, at all times during the term of this Agreement, use its commercially reasonable efforts to ensure that the MoneyLine Web Site is comparable in look and feel and otherwise compatible with the Cavion Network.

PDF Help - Information on downloading and using the PDF reader. FINAL ORDERS ISSUED PURSUANT TO SECTION 8(b), 12 U.S.C. § 1818(b) (Consent Orders)

Metro Phoenix Bank, Phoenix, Arizona; FDIC-10-759b; Issued 11/10/10 - PDF

Signature Bank of Arkansas, Fayetteville, Arkansas; FDIC-10-602b; Issued 11/4/10 - PDF

Pan American Bank, Los Angeles, California; FDIC-10-718b; Issued 11/5/1 - PDF

United American Bank, San Mateo, California; FDIC-10-424b; Issued 11/2/10 - PDF

Regent Bank, Davie, Florida; FDIC-10-609b; Issued 11//24/10 - PDF

First Capital Bank, Marianna, Florida; FDIC-10-537b; Issued 11/15/10 - PDF

First Home Bank, Seminole, Florida; FDIC-10-673b; Issued 11/18/10 - PDF

Grand Bank & Trust of Florida, West Palm Beach, Florida; FDIC-10-692b; Issued 11/19/10 - PDF

First Intercontinental Bank, Doraville, Georgia; FDIC-10-464b; Issued 11/23/10 - PDF

Fairview State Banking Company, Fairview, Illinois; FDIC-10-536b; Issued 11/19/10 - PDF.

The Leaders Bank, Oak Brook, Illinois; FDIC-10-511b; Issued 11//3/10 - PDF

Community Bank of Oak Park River Forest, Oak Park, Illinois; FDIC-10-500b; Issued 11/10/10 - PDF

The Tampa State Bank, Tampa, Kansas; FDIC-10-743b; Issued 11/23/10 - PDF

Community Central Bank, Mount Clemens, Michigan; FDIC-10-561b; Issued 11/1/10 - PDF

New Market Bank, Elko-New Market, Minnesota; FDIC-10-608b; Issued 11/23/10 - PDF

Lake Region Bank, New London, Minnesota; FDIC-10-532b; Issued 11/17/10 - PDF

State Bank of Taunton, Taunton, Minnesota; FDIC-10-776b; Issued 11/8/1 - PDF

New Millennium Bank, New Brunswick, New Jersey; FDIC-10-837b; Issued 11/16/10 - PDF

NewDominion Bank, Charlotte, North Carolina; FDIC-10-553b; Issued 11//9/1 - PDF

One World Bank, Dallas, Texas; FDIC-10-505b; Issued 11/1/10 - PDF

Access 1st Capital Bank, Denton, Texas; FDIC-10-697b; Issued 11/1/10 - PDF

Westbound Bank, Katy, Texas; FDIC-10-668b; Issued 11/12/10 - PDF

SunFirst Bank, St. George, Utah; FDIC-10-845b; Issued 11/9/10 - PDF

Seattle Bank, Seattle, Washington; FDIC-10-830b; Issued 11/30/10 - PDF

Fox River State Bank, Burlington, Wisconsin; FDIC-10-658b; Issued 11/4/10 - PDF

Mid-Wisconsin Bank, Medford, Wisconsin; FDIC-10-807b; Issued 11/9/10 - PDF

Bank of Wausau, Wausau, Wisconsin; FDIC-10-488b; Issued 11/17/10 - PDF

Integrity First Bank, Wausau, Wisconsin; FDIC-10-395b; Issued 11/3/10 - PDF

FINAL ORDERS ISSUED PURSUANT TO SECTION 8(e), 12 U.S.C. § 1818(e) (Removal and Prohibition Orders)

United Bank, Atmore, Alabama; FDIC-10-265e; FDIC-10-446k; against George L. Price, Jr.; Issued 11/10/10 - PDF

New Frontier Bank, Greeley, Colorado; FDIC-10-541e; against Timothy W. Thissen; Issued 11/4/10 - PDF

New Frontier Bank, Greeley, Colorado; FDIC-10-543e; against John O. Kammeier Issued 11/4/10 - PDF

New Frontier Bank, Greeley, Colorado; FDIC-10-551e; against Greg Bell; Issued 11/4/10 - PDF

New Frontier Bank, Greeley, Colorado; FDIC-10-540e; against Robert J. Brunner; Issued 11/4/10 - PDF

New Frontier Bank, Greeley, Colorado; FDIC-10-544e; against Jack P. Renfroe; Issued 11/4/10 - PDF

New Frontier Bank, Greeley, Colorado; FDIC-10-539e; against Larry G. Seastrom; Issued 11/4/10 - PDF

Hometown Bank of Villa Rica, Villa Rica, Georgia; FDIC-10-155e; against S. Pope Cleghorn, Jr.; Issued 11/18/10 - PDF

Citizens Union Bank of Shelbyville, Shelbyville, Kentucky and Century Bank of Kentucky; Lawrenceburg, Kentucky; FDIC-09-197e; against Roy T. Edwards; Issued 11/17/10 - PDF

Omni Bank, Metairie, Louisiana; FDIC-09-602e; against Lynne Fruchtnicht; Issued 11/9/10 - PDF

Riverland Bank, Jordan, Minnesota; FDIC-10-005e; against Ronald E. Shealer; Issued 11/9/10 - PDF

Bank of Crocker, Waynesville, Missouri; FDIC-10-390e; against Troy W. Posten; Issued 11/10/10 - PDF

Branch Banking and Trust Company, Winston-Salem, North Carolina; FDIC-09-488e; against Chester Williams; Issued 11/9/10 - PDF

FINAL ORDERS ISSUED PURSUANT TO SECTION 8(i), 12 U.S.C. § 1818(i) (Civil Money Penalties)

United Bank, Atmore, Alabama; FDIC-10-265e; FDIC-10-446k; Order of Prohibition From Further Participation and Order to Pay a Civil Money Penalty against George L. Price, Jr. in the amount of $5,000.00; Issued 11/10/10 - PDF

EvaBank, Eva, Alabama; FDIC-10-607k; Order to Pay a Civil Money Penalty in the amount of $10,000.00; Issued 11/23/10 - PDF

California Pacific Bank, San Francisco, California; FDIC-10-808k; Order to Pay Civil Money Penalty in the amount of $1,925.00; Issued 11/8/10 - PDF

FirstBank of Colorado, Lakewood, Colorado; FDIC-10-480k; Order to Pay in the amount of $50,000.00 Issued 11/10/10 - PDF

Peach State Bank & Trust, Gainesville, Georgia; FDIC-10-783k; Order to Pay a Civil Money Penalty in the amount of $4,000.00; Issued 11/18/10 - PDF

Century Bank and Trust, Milledgeville, Georgia; FDIC-10-650k; Order to Pay a Civil Money Penalty in the amount of $2,250.00; Issued 11/9/10 - PDF

Exchange Bank, Milledgeville, Georgia; FDIC-10-685k; Order to Pay a Civil Money Penalty in the amount of $5,250.00; Issued 11/18/10 - PDF

Northwest Georgia Bank, Ringgold, Georgia; FDIC-10-684k; Order to Pay a Civil Money Penalty in the amount of $23,485.00; Issued 11/18/10 - PDF

First Security Trust and Savings Bank, Elmwood Park, Illinois; FDIC-10-458k; Order to Pay in the amount of $4,250.00; Issued 11/3/10 - PDF

Lisle Savings Bank, Lisle, Illinois; FDIC-09-157k; Order to Pay in the amount of $5,500.00 Issued 11/3/10 - PDF

Citizens Union Bank of Shelbyville, Shelbyville, Kentucky and Century Bank of Kentucky; Lawrenceburg, Kentucky; FDIC-10-479k; Order to Pay in the amount of $1,000.00; Issued 11/17/10 - PDF

Omni Bank, Metairie, Louisiana; FDIC-09-604k; Order to Pay Civil Money Penalty against Lynne Fruchtnicht in the amount of $5,000.00; Issued 11/9/10 - PDF

Merrimac Savings Bank, Merrimac, Massachusetts; FDIC-10-810k; Order to Pay Civil Money Penalty in the amount of $5,000.00; Issued 11/2/10 - PDF

Riverland Bank, Jordan, Minnesota; FDIC-10-006k; Order to Pay Civil Money Penalty against Ronald E. Shealer in the amount of $6,500.00; Issued 11/9/10 - PDF

Alliance Bank, Lake City, Minnesota; FDIC-10-583k; Order to Pay Civil Money Penalty in the amount of $7,190.00; Issued 11/3/10 - PDF

Mid America Bank, Linn, Missouri; FDIC-10-717k; Order to Pay Civil Money Penalty in the amount of $23,000.00; Issued 11/22/10 - PDF

Regional Missouri Bank, Marceline, Missouri; FDIC-10-732k; Order to Pay Civil Money Penalty in the amount of $17,325.00; Issued 11/12/10 - PDF

First State Bank of Forsyth, Forsyth, Montana; FDIC-10-729k; Order to Pay Civil Money Penalty in the amount of $2,640.00; Issued 11/16/10 - PDF

The Peoples Bank; Iva, South Carolina; FDIC-10-758k; Order to Pay a Civil Money Penalty in the amount of $5,500.00; Issued 11/18/10 - PDF

Chester County Bank, Henderson, Tennessee; FDIC-10-710k; Order to Pay Civil Money Penalty in the amount of 4,000.00; Issued 11/30/10 - PDF

Citizens State Bank, Miles, Texas; Order to Pay Civil Money Penalty in the amount of $10,500.00 Issued 11/22/10 - PDF

Foundation Bank, Bellevue, Washington; FDIC-10-734k; Order to Pay Civil Money Penalty in the amount of $5,000.00; Issued 11/15/10 - PDF

Blackhawk State Bank, Beloit, Wisconsin; FDIC-10-298k; Order to Pay in the amount of $4,500.00; Issued 11/12/10 - PDF

First State Bank, New London, Wisconsin; FDIC-10-623k; Order to Pay in the amount of $16,300.00 Issued 11/12/10 - PDF

Oostburg State Bank, Oostburg, Wisconsin; FDIC-10-412k; Order to Pay in the amount of $5,500.00 Issued 11/12/10 - PDF

Farmers & Merchants State Bank, Waterloo, Wisconsin, FDIC-10-408k, Issued 11/12/10 - PDF

Farmers & Merchants State Bank, Waterloo, Wisconsin; FDIC-10-409k; Order to Pay in the amount of $3,000.00; Issued 11/12/10 - PDF

Waterstone Bank, SSB, Wauwatosa, Wisconsin; FDIC-10-485k; Order to Pay in the amount of $5,775.00; Issued 11/19/10 - PDF

FINAL ORDERS ISSUED PURSUANT TO SECTION 38, 12 U.S.C. § 1831o (Prompt Corrective Actions)

MBank, Gresham, Oregon; FDIC-10-829PCAS; Issued 11/2/10 - PDF

Albina Community Bank, Portland, Oregon; FDIC-10-860PCAS; Issued 11/17/10 - PDF

FINAL ORDERS ISSUED PURSUANT TO SECTION 19, 12 U.S.C. § 1829 (Section 19)

Ricardo Javier Crespin; FDIC-10-655L; Order Granting Permission to File Application and Approving Application for Consent to Participate in the Affairs of any Insured Depository Institution; Issued 11/22/10 - PDF

John Harvey Cross; FDIC-10-736L; Order Granting Permission to File Application and Approving Application for Consent to Participate in the Affairs of any Insured Depository Institution; Issued 11/23/10 - PDF

Kim David Gilmore; FDIC-10-378L; Order Granting Permission to File Application and Approving Application for Consent to Participate in the Affairs of any Insured Depository Institution; Issued 11/5/10 - PDF

William Lee Gray, Jr.; FDIC-10-538L; Order Granting Permission to File Application and Approving Application for Consent to Participate in the Affairs of any Insured Depository Institution; Issued 11/23/10 - PDF

MODIFICATION

The Trust Bank, F/K/A Bank of Lenox; Lenox, Georgia; FDIC-08-162b; Modification of an Order to Cease and Desist; Issued 11/8/10 - PDF

TERMINATIONS

Orders Terminating Consent Orders and Cease and Desist Orders

Bank of Agriculture and Commerce, Stockton, California; FDIC-08-408b; Issued 11/4/10 - PDF

McClave State Bank, McClave, Colorado; FDIC-08-118b; Issued 11/16/10 - PDF

First Bank of Jacksonville, Jacksonville, Florida; FDIC-09-355b; Issued 11/19/10 - PDF

The Gordon Bank, Gordon, Georgia; FDIC-09-109b; Issued 11/24/10 - PDF

West Suburban Bank, Lombard, Illinois; FDIC-08-183b; Issued 11/19/10 - PDF

West Suburban Bank, Lombard, Illinois; FDIC-08-384b; Issued 11/22/10 - PDF

Hillcrest Bank, Overland Park, Kansas; FDIC-09-390b; Issued 11/8/10 - PDF

Statewide Bank, Covington, Louisiana; FDIC-08-369b; Issued 11/29/10 - PDF

Butler Bank, Lowell, Massachusetts; FDIC-09-148b; Issued 11/22/10 - PDF

First Resource Bank, Savage, Minnesota; FDIC-09-269b; Issued 11/3/10 - PDF

First Asian Bank, Las Vegas, Nevada; FDIC-10-220b; Issued 11/30/10 - PDF

Mountain Commerce Bank, Erwin, Tennessee; FDIC-08-213b; Issued 11/29/10 - PDF

Fox River State Bank, Burlington, Wisconsin; FDIC-09-226b; Issued 11/4/10 - PDF.

Order Terminating Supervisory Prompt Corrective Action Directive

Bank 1st, Albuquerque, New Mexico; FDIC-09-463PCAS; Issued 11/18/10 - PDF

ADJUDICATED DECISION

Hudson United Bank, Union City, New Jersey n/k/a TD Bank, National Association, Wilmington, Delaware; FDIC-08-291e; Decision and Order to Prohibit From Further Participation against Cheryl Ann High; Issued 11/9/10 - PDF

NOTICE ISSUED (Note: A Notice is a proposal enforcement action and is not a final decision or order by the FDIC)

Notice of Assessment of Civil Money Penalty, Findings of Fact and Conclusions of Law, Order to Pay, and Notice of Hearing

USA Bank (In Receivership), Port Chester, New York; FDIC-08-076k; Notice of Assessment of Civil Money Penalty, Findings of Fact and Conclusions of Law, Order to Pay, and Notice of Hearing against Salvatore Pane; Issued 11/4/10 - PDF

ACCEPTANCE OF EMPLOYMENT. The Company hereby employs CAVION ANTONIO PARCHMAN and

CAVION ANYONIO PARCHMAN hereby accepts employment with the Company. The term of this

Contract will commence on the date shown on the signature page and,

subject to the further provisions of this Contract, and unless

otherwise terminated earlier, will end on February 28, 2011. Upon

expiration, the term of this Contract will automatically renew for

subsequent one-year terms unless the Company has provided at least

180 days notice of non-renewal.

BASE COMPENSATION. CAVION ANTONIO PARCHMAN will be paid an initial base annual salary of $105,000, subject to periodic raises on the same basis as    the Company's other senior executives. Employee's base salary will be payable in accordance with the Company's standard payroll practice for executive employees, and will be subject to the customary withholding tax and other employment taxes and contributions. BONUS. The Company will create a commission or cash bonus pool (the    "Pool") based upon the Company's business goals, as defined by the Board, and the profitability of the Company. The Pool will be divided among CAVION ANTONIO PARCHMAN, including Employee, in     proportion to their salaries on a quarterly basis. All decisions regarding the Pool, including, without limitation, the monies contributed to the Pool and the distribution of any monies in the Pool, rest with the Board in its sole and absolute discretion. The Board may also award bonuses to Employee or any other member of the Company's senior management without regard to the Pool. GENERAL MATTERS. (a) This Contract is governed by the laws of the State. (b) This Contract is binding upon the personal representatives, successors and assigns of the parties hereto. (c) This Contract is not assignable by Employee but shall inure to          the benefit of any successor or acquirer of the Company. (d) This Contract constitutes the entire agreement between the parties and may not be waived or modified, except in a writing signed by all parties to this Contract. (e) The headings used in this Contract are for convenience only and do not, and will not, limit the interpretation hereof. (f) In the event any provision CAVION ANTONIO PARCHMAN is held to be          invalid, void, or unenforceable, the provision will be modified to the minimum extent necessary, and the remainder of this Contract will continue in full force and effect, so as to         effectuate, as closely as possible, the intent of this Contract.