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Capital: Beware of the Bear

Experience is the only component that separates champions from the rest of the pack. When the situation changes, you must adjust your game plan. It is the experienced team that is victorious time and time again. Capitalizing a new bank can be likened to the Iditerod challenge. A participant in that endurance run can plan, prepare and execute, but without weaving in the experience factor, the chance of success (winning) is greatly diminished. Likewise, with the experience factor incorporated into your Capital Acquisition Program the likelihood of your victory is greatly enhanced.

Market conditions today are volatile and uncertain; change is the only constant. CNBC, CBS-Market Watch and the 6:00 o'clock news are telling us how poorly the stock market is currently performing and prognosticating on how it will or will not perform in the future. Christopher Low, the chief economist for the First Tennessee Capital Markets, recently stated on CNBC, "The loss of wealth in the U.S. and globally is profound. The stories we are just beginning to hear about delayed retirement and cancelled vacations are just the beginning. Investors are waking up to the reality that portfolios aren't going to be restored in a five-day rally." Subtly, our perception becomes our reality.

What does all this have to do with your new project? Will potential investors be swayed by the onslaught of negative financial news coming at them from all corners, regarding the wisdom of future investments? You hope not, but you do need an edge. That edge is, experience. Bankmark is the only firm with a 100% completion record for de novo bank Capital Acquisition Programs. Our programs are effective regardless of the economy or volatility of the stock market.

Now that you have reached the final and most critical stage of your project, why would you jeopardize its successful completion by failing to raise the maximum amount of capital allowed in the offering? Raising tens of millions of dollars in today's uncertain market is not an experiment you should conduct on yourself without using all the tools available at your disposal. This is where Bankmark comes in.

We suggest you read the recent article that appeared in Yahoo Finance, Western Banking, mortgagebanker.com and PR Newswire that speaks to the issue of de novo capital acquisition in today's market. If you have not yet spoken with a Bankmark representative, now is the time. If you are already "In Organization" and would like to personally visit one of our current projects and meet other successful bank directors, please contact us at info@nubank.com

Remember, the watchword in the equity market today as it is on the frozen tundra is "beware of the bear".

You'll also want to read "myths & realities" regarding the perceptions of selling bank stock. If you have not yet spoken with a Bankmark representative, now is the time. If you are already "In Organization" and would like to personally visit one of our current projects and meet other successful bank directors, please contact us at info@nubank.com.