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Bid Summary

Guaranty Bank
Austin, TX
Closing Date: August 21, 2009



Winning Bidder: Compass Bank, Birmingham, AL

Winning Bid: All deposits, whole bank with loss share - Asset Discount of $805 million, Deposit Premium 0%

Cover (second place) Bidder: Compass Bank, Birmingham, AL

Cover Bid: All deposits, modified whole bank with loss share – Asset Discount of $477
million, Deposit Premium 0%.

Other Bidder Names:

Prosperity Bank, El Campo, TX
New York Community Bank, Westbury, NY
Ford Group Bank, FSB, Dallas, TX
U.S. Bank, Cincinnati, OH

Other Bids:

All deposits, modified whole bank with loss share - Asset Discount of $722 million, Deposit Premium 0%
All deposits, whole bank with loss share - Asset Discount of $2.5 billion, Deposit Premium 0%
All deposits, modified whole bank with loss share - Asset Discount of $1.93 billion, Deposit Premium 2.75%
All deposits, whole bank with loss share - Asset Discount of $4.2 billion, Deposit Premium 1.51%
All deposits, modified whole bank with loss share - Asset Discount of $2.384 Billion, Deposit Premium 1.51%

Notes:

- Compass Bank's acquisition of all the deposits was the least costly resolution compared
to a liquidation alternative and the other bids. The liquidation alternative was valued
using valuation models to estimate the market value of the assets. The bids for loss share
were valued using a discounted cash flow analysis for the loss share portfolio over the
life of the loss share agreement.

- The Other Bidder Names and the Other Bids are in random order. There is no linkage between bidder names and bids, except in the case of the winning bid and the cover bid.

- There are more bids than bidders because one or more bidders submitted more than one bid.

- Non-conforming bids, if any, are excluded from this summary.

- For more information on the bid disclosure policy, see http://www.fdic.gov/about/freedom/biddocs.html.



Last Updated 08/11/2011 cservicefdicdal@fdic.gov