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<DIV style="BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 4pt; PADDING-BOTTOM: 31pt; BORDER-LEFT: windowtext 1pt solid; PADDING-TOP: 1pt; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt">
<P class=MsoNormal style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: medium none; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; MARGIN: 0in 0in 0pt; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: medium none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 31.0pt 4.0pt"><SPAN style="FONT-SIZE: 14pt">Date: <U><SPAN style="mso-spacerun: yes"> </SPAN></U></SPAN><?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:date Year="2006" Day="25" Month="1"><U><SPAN style="FONT-SIZE: 14pt">January 25, 2006</SPAN></U></st1:date><SPAN style="FONT-SIZE: 14pt"><SPAN style="mso-tab-count: 4"> </SPAN>Time<U>:<SPAN style="mso-spacerun: yes"> </SPAN></U></SPAN><st1:time Minute="30" Hour="19"><U><SPAN style="FONT-SIZE: 14pt">7:30pm</SPAN></U></st1:time><U><SPAN style="FONT-SIZE: 14pt"><SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-tab-count: 1"> </SPAN><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></U></P>
<P class=MsoNormal style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: medium none; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; MARGIN: 0in 0in 0pt; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: medium none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 31.0pt 4.0pt"><SPAN style="FONT-SIZE: 14pt">Meeting<U><SPAN style="mso-spacerun: yes"> </SPAN><SPAN style="mso-tab-count: 1"> </SPAN>MUTC- Tentative- Wachovia</U></SPAN></P>
<P class=MsoNormal style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: medium none; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; MARGIN: 0in 0in 0pt; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: medium none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 31.0pt 4.0pt"><SPAN style="FONT-SIZE: 14pt"><U>Representative <SPAN style="mso-tab-count: 4"> </SPAN></U></SPAN></P>
<P class=MsoNormal style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: medium none; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; MARGIN: 0in 0in 0pt; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: medium none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 31.0pt 4.0pt"><U><SPAN style="FONT-SIZE: 14pt">To discuss proposed bank located at the SE corner of </SPAN></U><st1:Street><st1:address><U><SPAN style="FONT-SIZE: 14pt">East-West Highway</SPAN></U></st1:address></st1:Street><U><SPAN style="FONT-SIZE: 14pt"> and<SPAN style="mso-tab-count: 1"> </SPAN></SPAN></U><st1:Street><st1:address><U><SPAN style="FONT-SIZE: 14pt">Baltimore</SPAN></U></st1:address></st1:Street></P>
<P class=MsoNormal style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: medium none; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; MARGIN: 0in 0in 0pt; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: medium none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 31.0pt 4.0pt"><st1:Street><st1:address><U><SPAN style="FONT-SIZE: 14pt">Avenue</SPAN></U></st1:address></st1:Street><U><SPAN style="FONT-SIZE: 14pt"><SPAN style="mso-tab-count: 11"> </SPAN><o:p></o:p></SPAN></U></P>
<P class=MsoNormal style="BORDER-RIGHT: medium none; PADDING-RIGHT: 0in; BORDER-TOP: medium none; PADDING-LEFT: 0in; PADDING-BOTTOM: 0in; MARGIN: 0in 0in 0pt; BORDER-LEFT: medium none; PADDING-TOP: 0in; BORDER-BOTTOM: medium none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 1.0pt 4.0pt 31.0pt 4.0pt"><U><SPAN style="FONT-SIZE: 14pt"><o:p><SPAN style="TEXT-DECORATION: none"> </SPAN></o:p></SPAN></U></P></DIV></DIV></body></html>