Legal Developments: Fourth Quarter, 2007

Orders Issued under Section 3

• First Citizens Banc Corp and Citizens Banking Company
  Order Approving Merger of Bank Holding Companies, Merger of Banks, and Establishment of Branches
• KeyCorp
  Order Approving the Merger of Bank Holding Companies
• Midwest Regional Bancorp, Inc.
  Order Approving the Formation of a Bank Holding Company
• Allied Irish Banks, p.l.c. and M&T Bank Corporation
  Order Approving Acquisition of a Savings Association and a Bank, Merger of Depository Institutions, Establishment of Branches, and Notice to Engage in Nonbanking Activities
• Citigroup, Inc.
  Order Determining That Certain Pension Activities are Financial in Nature
• Fortis S.A./N.V. , Fortis, N.V. , Fortis Brussels S.A./N.V. , and Fortis Bank S.A./N.V.
  Order Approving Notice to Engage in Activities Complementary to a Financial Activity

• China Merchants Bank Co., Ltd.
  Order Approving Establishment of a Branch
• ICICI Bank Limited
  Order Approving Establishment of a Branch