ABOUT URBAN TRUST BANK

Urban Trust Bank's mission is to become the preeminent provider of financial services to diverse urban communities. At the core of our business strategy is an unwavering dedication to customer service. Urban Trust Bank will work to be a financial partner to the urban community of corporate and small businesses, community institutions, and families. In 2006, Urban Trust acquired Metro Bank, an Orlando-based community bank and opened its Washington, DC flagship branch. In early 2007, Urban Trust Bank announced an agreement with Wal-Mart to lease space inside select Wal-Mart Supercenters to offer a full suite of banking products and services to customers during convenient hours, as well as provide access to credit and financial education. Urban Trust's founder and Chairman is Robert L. Johnson. Mr. Johnson is also the founder and chairman of The RLJ Companies, owner of the Charlotte Bobcats and was the founder of Black Entertainment Television (BET).