AAL, P.C.

AHMAD ASSOCIATES, LTD., P.C.

AAL

A Professional Corporation
8230 Old Courthouse Road, Suite 210, Vienna, VA 22182, Tel. 703.893.9644 Fax 703.893.0069 Email: aal@aalcpas.com

"Doing it Right...Doing it Smart"

Credit Risk Assessment

1st Source Bank | Advantage CDC | Alabama Community Dev Corp | Alaska Growth Capital | Alliance Bank | Alliance Bank of Arizona | Amcore Bank | American Bank of Commerce | American Continental Bank | American Enterprise Bank | American National Bank | American Security Bank | Americas United Bank | Ameris Bank | ANB Financial | Anchor Bank | Areawide Development Corp | Arkansas Capital Corporation | Arvest Bank | Associated Bank | Atlanta Business Bank | AVB Bank | Avista Business Development Corp | BancFirst | Banco Bilbao Vizcaya Puerto Rico | Banco Popular | Banco Popular de Puerto Rico | Banco Popular North America | Banco Santander Puerto Rico | Bancorp South | Bangor Savings Bank | Bank of America | Bank of Cascades | Bank of Granite | Bank of North Georgia | Bank of Oklahoma | Bank of the Sierra | Bank of the Southwest | Bank of the West | BankFIRST | Banna Blhao Vizcaye | Banner Bank | Bay Area Employment Development Company | Bay Colony Development Corporation | Baylake Bank | Beach Business Bank | Birmingham Citywide | Black Hawk County Economic Development, Inc. | BNB Bank | Borrego Springs Bank | Branch Banking & Trust Company | Bremer Bank | Bridge Bank | Busey Bank | Business Carolina | Business Dev Corp of South Carolina | Business Development Corporation of NE Florida | Business Development Corporation of Northeast Florida | Business Development Finance Corporation | Business Expansion Funding Corp | Business finance Corp | Business Finance Corp of St. Louis | Business Lenders, LLC | California Bank and Trust | California Statewide CDC | Capital Access Corp | Capital Access Group, Inc. | Capital Certified Dev Corp | Capital Development Regional Council | Capital Matrix | Capital One | Capital Partners CDC | Caprock Business Finance Corp | Carver Fed Savings Bank | Cascades CDC | Cascades West Financial Services | Cathay Bank | CBC National Bank | CCD Business Development Corp | CDC of South Carolina | CDC Small Business Finance Corp | Celtic Bank | Cen Cal Business Finance Corp | Center bank | Central Minnesota Dev Company | Centralina Dev Corp | Certified Development Corp | Chesapeake Business Finance Corp | Chittenden Trust Company | Citibank | Citizens Bank | Citizens Business Bank | City National Bank | Coast National Bank | Coastal Area District Authority | Coastal Business Finance | Coastal Enterprises Inc | Coastway Credit Union | Colonial Bank | Colony Bank | Columbia State Bank | Comerica Bank | Commerce Bank | CommerceFirst Bank | Commerica Bank | Commonwealth Bank | Community Bank | Community Bank & Trust | Community Bank of Manatee | Community Bank of Nevada | Community Capital Development | Community Econ Dev | Community South Bank | Community West Bank | Compass Bank | Connecticut Community Investment Corp | Cornerstone Bank | County Bank | County Corp Dev | Crescent Bank & Trust Company | CSRA Local Development Corp | Dakota Certified Development Company | Danversbank | DelVal Business Finance Corp | Denver Urban EDC | DL Evans Bank | Eagle Bank | East West Bank | East-Central Idaho Dev Corp | Eastern Bank | Economic Development Foundation Certified | EDF Resource Capital, Inc. | Empire Bank | Empire State CDC | Enchantment Land CDC | Enterprise Bank | Enterprise Funding Corp | Equity Bank | Essential Capital Finance Inc. | Evergreen CDC | Excel National Bank | Far West Bank (American West Bank) | Fidelity Bank | Fifth Third Bank | First American Bank | First Bank | First Bank & Trust | First Bank Financial Centre | First Chatham Bank | First Choice Bank | First Coast Community Bank | First Commonwealth Bank | First Community Bank | First Constitution Bank | First Federal Bank of the Midwest | First Financial Bank | First Heritage Bank | First Interstate Bank | First Merit Bank | First National Bank of Arizona | First National Bank of Omaha | First National Bank of Pennsylvania | First National Bank of the South | First Niagara Bank | First People Bank | First Place Bank | First Private Bank & Trust | First Standard Bank | First State Bank of Hotchkiss | First United Bank | FirstMerit Bank | Five Star Bank | Florida Business Development Corp. | Florida First Capital Finance Corporation, Inc. | Flushing Savings Bank | Fort Worth Economic Dev Corp | Fortune Bank | Front Range Regional EDC | Frontier Certified Dev Company | Fullerton Community Bank | Gateway Business Bank | Georgia Certified Dev Corp | Georgia Mountains Regional EDC | Granite State Certified Development Co. | Granite State EDC | Great Lakes Asset Corp | Great Western Bank, Souix Falls | Greater East Texas CDC | Greater Sacramento CDC | Gulf Coast Bank and Trust | Gulf Coast Business Finance Inc. | Hamilton Co Dev | Hancock Bank | Hanmi Bank | Harris Bank | Haven Trust Bank | Heartland Business Capital | HEDCO Local Dev Corp | Heritage Bank of Commerce | High Trust Bank | Highland Bank | Home Loan Investment Bank | Hometown Bank | Houston-Galveston Area Council | Houston-Galveston Area LCD | HSBC | Huntington National Bank | Independence Bank | Independent Development Service Corp | Indiana Statewide CDC | Inland Community Bank | Innovative Bank | International City Bank | Iowa Business Growth | Irwin Bank & Trust | Irwin Union Bank | JP Morgan Chase Bank | Key Bank | Kitsap Bank | Klein Bank | La Jolla Bank | Lakeshore 504 | Landmark CDC | LaSalle Bank & Midwest N.A. | Lehman Brothers Bank | Liberty Bank | Live Oak Bank | Long Island Dev Corp | Los Angeles County Small Bus Dev Corp | Louisiana Capital CDC | M&I Bank Marshall & Ilsley Bank | Manufactuers and Traders Bank | Marine Bank | Marketing Small Business Finance | Metro Bank | Metro City Bank | Metropolitan National Bank | Michigan CDC | Mid State Development Corp | Mid-Atlantic Business Finance Corporation | Mid-Cumberland Area Development | Mid-Missouri Bank | Millennium State Bank | Minnesota Business Finance | Mirae Bank | Mission Community Bank | Mission Oaks National Bank | Montana Community Finance Corp | Monterey County Bank | Mortgage Capital Development Corporation | Mountain 1st Bank & Trust Company | Mountain America Federal Credit Union | Mountain West Bank | Mountain West Small Business Finance | Nara Bank | National Bank of Arizona | National Bank of California | National City Bank | National Penn Bank | NBT Bank | NCB, FSB and National Consumer Cooperative Bank | Nebraska EDC | Neighborhood Bank | Nevada State Development Corp | Nevada State Development Corporation | New Alliance Bank | New Century Bank | New England CDC | New Jersey Business Finance Corp | New Millennium Bank | New Orleans Regional Business Dev Corp | New York Business Dev Corp | NewBank | North Texas CDC | Northway Bank | Northwestern CDC | Oakland County Business Finance Corp | Ocean State Business Dev Authority | Ohio Statewide Dev Corp | Old Florida National Bank | Old National Bank | ONB Bank and Trust | Pacific Capital Bank | Pacific City Bank | Pacific Coast National Bank | Pacific Continental Bank | Pacific Western Bank | Pacifical International Bank | Panhandle State Bank | Park Midway Bank | Peoples Bank | Peoples Bank of Commerce | People’s United Bank | Pikes Peak Regional Dev Corp | Plains Capital Bank | PNC Bank | Portage Commerce Bank | Praireland Economic Development Corp | Preferred Capital BIDCO | Premier Bank | Premier Capital Corp CDC | Premier Commercial Bank | Professional Business Bank | Prosper Bank | Provident Bank of Maryland | Provident Bank | Quantum National Bank | Rabobank | Rappahannock EDC | RBC Centura Bank | RBS Citizens | Region IV Dev Corp | Regional Dev Company | Regions Bank | Resource Bank Commercial Lending | Ridgestone Bank | Rockford Local Development Corp | Rural Enterprise of Oklahoma | Rural Missouri, Inc. | Saehan Bank | Salem Five Cents Savings Bank | San Antonio Local Dev Corp | Sandy Springs Bank | SCEDD | Seacoast Commerce Bank | Security Service FCU | SEDA-COG Local Dev Corp | Self Help Venture Fund | SEM Resource Capital Inc | Shinhan Bank of America | Shore Bank | Silverstate Bank | Siouxland EDC | Six Bridges Capital Corp | Skylands Community Bank | Small Business Capital Corporation | Small Business Growth | SomerCor 504 Inc | Somerset Valley Bank | South County Bank | South Eastern Economic Dev Corp | Southeastern Minn Dev Corp | Southern Development Council, Inc. | Southland Economic Development Corp | Southland EDC | SouthWest Bank | Southwest Securities | Southwestern Business Financing Corp | Sovereign Bank | SPEDCO | St. Charles Economic Dev Co. | State Bank of Chilton | Stearns Bank | Sterling Savings Bank | Stillwater National Bank | Success Capital Expansion & Dev Corp | Sun National Bank | SunTrust Bank | Surrey Bank & Trust | Susquehanna Bank | Synovus Bank of Tampa Bay | Tamalpais Bank | TD Bank | Telesis Community Credit Union | Temecula Valley Bank | Texas Certified Dev Company | Texas First Bank | Texas State Bank | The Adams National Bank | The American National Bank of Texas | The Bank of Castile | The Baraboo National Bank | The Buckhead Community Bank | The Citizens Banking Company | The First National Bank of Baird | The Foster Bank | The Frost National Bank | The Home and Savings Loan Company | The Home Savings and Loan | The Washington Trust Company of Westerly | Tidewater Business Financing Corp | Tracy/San Joaquin Co CDC | Tracy-San Joaquin County CDC | Trustmark National Bank | Twin Cities Metro CDC | U.S. Bank Cincinnati, Ohio | Umpqua Bank | UniBank | Union Bank of California | Union National Bank | United Bank of Michigan | United Central Bank | United Commercial Bank | United midwest Savings Bank | United Western Bank | Uniti Bank | Unity Bank | Univest National Bank and Trust Co. | US Metro Bank | Utah CDC | Valley Community Bank | Valley National Bank | Venture Bank | Vineyard Bank, NA | Voyager Bank | Wachovia SBA Lending, Inc. | Washington Mutual Bank | Waukesha Bank | Waukesha State Bank | Webank | Webster Bank | Well Fargo | WesBanco Bank | West Coast Bank | Western Commerce Bank | Whidbey Island Bank | Wilshire State Bank | Wisconsin Business Development Corp | Wisconsin Community Bank | Woodforest National Bank | Woori America Bank | Zions National Bank |

Credit Risk Assessment

AAL senior management brings 30 years of relevant work experience from the financial industry, private and government sectors. The senior staff includes prominent banking professionals and executives with years of work experience in all aspects of financial institutions including credit administration, risk management, internal audit and review, and bank restructuring.

AAL’s team is comprised of doctorates and former senior government officials from the credit and government guaranteed lending oversight industries. AAL’s personnel have served in senior bank management roles internationally offering an array of services including bank examinations, economic restructuring, internal audits, and bank management.

AAL examined over 700 financial institutions.
Sample financial institutions and governmental agencies served by AAL:

Sovereign Bank
SunTrust Bank
Wachovia
Fifth Third Bank
Huntington National Bank
CIT
Nepal Bank Limited
Provident Bank

SBA
GINNIE MAE
USDA-RD
FDIC
OCC

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