CityNationalCorp.'s third-quarter profit rose 20% despite the sluggish economy, with commercial...Accretion Assumptions Accretion of $0.03 per share in 2007 and $0.04 per share in 2008 Assumptions...Acquisition of Harbor Florida Bancshares, Inc. Investor Presentation July 11, 2006Harbor Florida Bancshares, Inc. (Nasdaq: HARB) Based in Fort Pierce, Florida $3.2 billion asset...NationalCity Offices As of July 2006; States with NationalCity presence highlighted in greenHarbor Florida is a Well-Run Franchise Net Loans Assets Deposits Net Income East 0.128 0.137 0.134 0...Internal Rate of Return Assumptions IRR of ~14% Assumptions 15% expense savings phased in over 18...Management Structure Existing management remains in place NationalCity additions: Credit officer...Establishing the NationalCity Brand Establish the NationalCity presence in a meaningful and...Project Name Citicorp Center Client First NationalCityCorp.ration Function Office headquarters for...Summary Statistics ($ in millions) NationalCity Harbor Florida Portfolio Loans $102,269 $2,518...Revenue Growth Opportunities Wealth management New offering for Harbor Florida customers Retail...Revenue Growth Opportunities Retail household acquisition Direct marketing Bank at work De novo...Summary of Transaction Rationale Well-run franchise with proven track record of solid organic growth...Transaction Multiples Harbor Florida Transaction Comparable Transactions (1) Comparable Transactions...Summary Terms Pricing $45 for each Harbor Florida share Structure Exchange ratio based on average 10...AppendixExpanding into High-Growth Markets Total Households Projected HH Growth (1) Projected HH Growth (HH...Ion sources from National Electrostatics Corp. are used to produce a full range of positive and...Strong Market Position Well-positioned branch network provides a meaningful base for growth National...Close Up MapLa experiencia china en el intento de compra de UNOCAL es bien expresiva de las reservas existentes....Hotels and Motels Near NEC For more information about hotels and motels, see the list below the map.Ryan Jackson/Canwest News Service Bill Doyle, chief executive of Potash Corp. Twitter Google+...OUR PRACTICE AREAS INCLUDE: