Exhibit 1-5

A line chart that depicts actual versus estimated loss in the coming year for institutions with CAMELS ratings of 1, 2, or 3. For the period from 1997 through 2001, the chart illustrates the difficulty in reserving for unanticipated failures using a one year moving average of actual quarterly losses. The use of historical losses on unanticipated failures to estimate actual losses results in under-reserving at the time of unanticipated loss and over-reserving after the loss has occurred.