EX-99.1 2 dex991.htm SLIDE PRESENTATION TO BE USED IN INVESTOR CONFERENCES. Slide presentation to be used in investor conferences.
June 2008
June 2008
Exhibit 99.1

2
Forward-Looking Information
During the course of this presentation, management may make projections and forward-
looking statements regarding events or the future financial performance of Silver State
Bancorp.  We wish to caution you that these forward-looking information involve certain
risks
and
uncertainties,
including
a
variety
of
factors
that
may
cause
Silver
State’s
actual
results to differ materially from the anticipated results expressed in these forward-looking
statements. Investors are cautioned not to place undue reliance on these forward-
looking statements and are advised to review the risk factors that may affect Silver
State’s operating results in documents filed by Silver State Bancorp with the Securities
and Exchange Commission.  Silver State Bancorp assumes no duty to update the
forward-looking information made in this presentation.

3
Issuer:
Issuer:
Silver State Bancorp  (NASDAQ: SSBX)
Silver State Bancorp  (NASDAQ: SSBX)
Rights* Offering Size:
Rights* Offering Size:
Up to $40,000,000
Up to $40,000,000
Expected Insider Participation:
Expected Insider Participation:
$8,515,000**
$8,515,000**
Assumed Standby Commitment:
Assumed Standby Commitment:
$30,000,000
$30,000,000
Use of proceeds:
Use of proceeds:
General corporate purposes including
General corporate purposes including
supporting the capital needs of Silver
supporting the capital needs of Silver
State Bank.
State Bank.
Closing***:
Closing***:
Week of July 28, 2008
Week of July 28, 2008
Lead Deal Manager:
Lead Deal Manager:
Keefe, Bruyette & Woods, Inc.
Keefe, Bruyette & Woods, Inc.
Co-deal Manager:
Co-deal Manager:
Howe Barnes Hoefer
Howe Barnes Hoefer
& Arnett, Inc.
& Arnett, Inc.
*Rights will be transferable
**Minimum
expected
amount
of
Insider
Participation
*** Assumes the Registration Statement is declared effective by June 30, 2008.
No assurance can be provided that this will occur.
Offering Overview

4
Pro Forma Capital Ratios
Pro
SSBX
Forma
Actual
$40M Raise
3/31/08
3/31/08
Equity / Assets
7.40
%
9.15
%
Tangible Equity / Assets
6.44
8.23
Tier 1 Leverage Ratio
9.34
11.16
Tier 1 Risk-Based Ratio
9.08
10.85
Total Risk-Based Ratio
11.43
13.15

5
Capital Contingency Planning
We
stress
tested
capital
levels
under
various
credit
loss
scenarios.
For
example,
in
one
scenario
(see
charts
on
this
slide)
we
have
assumed
significant
unanticipated
cumulative
losses
on
the
loan
portfolio
over
the
next
8
quarters
aggregating
$113
million.
This
loss
would
result
in
net
chargeoffs
of
$14
million
per
quarter
compared
to
our
1 
quarter
of
2008
net
chargeoffs
of
$9
million.
We
also
assumed
a
1%
quarterly
growth
rate
in
assets,
a
2.37%
loan
loss
reserve
as
a
percentage
of
gross
loans
that
decreases
to
1.50%,
a
run
rate
based
on
the
1  
quarter
of
$8.5
million
of
pretax
preprovision
quarterly
earnings
and
$40
million
of
new
capital.
This
scenario
results
in
Silver
State
remaining
well
capitalized
over
the
next
8
quarters.
The
above
scenario
is
for
illustrative
purposes
and
is
viewed
by
Silver
State
as
an
extraordinary,
unlikely
circumstance
and
does
not
reflect
Silver
State’s
budgeting,
business
planning
prospects,
valuation
of
losses
inherent
in
its
loan
portfolio
or
evaluation
of
the
adequacy
of
the
allowance
for
loan
losses.
It
does
reflect
one
of
many
potential
risk
scenarios.
The
sole
purpose
of
this
stress
testing
exercise
was
to
determine
a
reasonable
target
level
of
additional
capital
to
be
raised.
Credit
Stress
Scenario
(for
illustrative
purposes
only)
Assumed
Cumulative Loss
Total
Rate
Loss
Residential Construction + Land
15%
$69,686
Commercial Construction + Land
5%
32,793
CRE
2%
5,137
C&I
2%
2,936
1-4 Family
2%
2,082
Consumer
2%
100
Other
2%
5
   Cumulative Loss
$112,740
st
st
Stress Scenario
Pro Forma
Projected at or for
$40M Raise
2 Years Ended
1Q08
3/31/2010
Assets
$1,952,311
$2,114,073
Tangible Equity
159,510
139,438
Total Risk-Based Capital
250,354
230,282
Pretax Preprovision
Earnings
$68,640
Estimated Loan Losses
112,740
ALLL Adjustment
12,737
Net Loss (Pre-tax)
(31,363)
Net Loss
(20,072)
Reserves/Gross
Loans*
2.37%
1.50%
Pro Forma
$40M Raise
3/31/08
Tangible Equity / Assets
8.25%
6.66%
Total Risk-based Ratio
13.15%
11.17%
*Gross
loans
include
loans
held-for-sale

6
Company Snapshot
Founded in July 1996
Headquartered in Henderson, NV
$1.9 billion in Assets
IPO July 17, 2007 (NASDAQ: SSBX)
17 full service branches in Nevada
and Arizona
Network
of
10
LPOs
in
7
states
with
a focus on SBA loan origination
Source: Company, SNL Financial
Las Vegas

7
Seasoned Management Team
Experienced Management Team
Name
Position
Industry
Experience
Years with
Company
Corey L. Johnson
President & CEO
25
12
Michael J. Threet
COO & CFO
18
11
Mike Thorell
CLO & Chief Credit
Administration Officer
19
2
Calvin D. Regan
President, Silver State Bank
20
12
Thomas J. Russell
Credit Approval
Administrator
27
8
Kirk Viau
Chief Risk Officer
18
2
Average
21
8

*Linda Yanke, who is the mother-in-law of our Chairman of the Board, is the only non-insider shareholder to own greater
than 10% of our common stock.
** All ownership amounts are as of May 31, 2008.
Significant Insider Ownership
Directors and Executive Officers…………………………35.5%
Directors and Executive Officers…………………………35.5%
Other 10% or Greater Shareholders……………………. 16.2%*
Other 10% or Greater Shareholders……………………. 16.2%*
TOTAL                         51.7%**
TOTAL                         51.7%**
8

9
Current Operating Strategy
Strengthening the Balance Sheet & Risk Management
Enhance capital levels in the face of a challenging economic cycle
Diversify the loan portfolio by reducing exposure to construction and land
loans while adding commercial loan relationships
Strengthen underwriting and loan administration with enhanced lending
guidelines, created an internal loan review department, and added
experienced personnel to the Special Asset Department
Grow core deposits and improve the funding mix with strategic deposit
gathering programs throughout our branch network
Expand and enhance our successful small business lending program
Continue to provide expertise and service to local entrepreneurs
and
businesses

10
Projected population growth of 483,900
(‘07-‘12)—24% growth
7
th
fastest growing MSA in the U.S.
(population growth from ‘00-
‘07)
Projected employment growth of 218,330
(‘07-‘12)—23% growth
Slow employment growth in 2007 of only
7,700 jobs
Net population growth in ‘07 slowed—only
14,114 growth in residential electric meter
count (2%)
Compelling Core Markets
Source:
UNLV,
Center
For
Business
and
Economic
Research
Aug
07;
Feb
08.
RL
Brown
Report
Jan
08
‘08 and ‘09 population growth is
expected to be 2.5% annually, improving
to 3.2% annual increase in 2010, 2011
and 2012
2.4% employment growth in 2007 but
may slow to 1% in 2008
Las Vegas
Phoenix

11
Attractive Markets
Resort
Industry
Investment:
2008
–
2012
&
Undetermined
Source: RestRepo
Consulting Group LLC, Las Vegas Convention and Visitors Authority
$4.2
$22.5
$8.7
$5.0
$25.6
$0.9
$0
$5
$10
$15
$20
$25
$30
2008
2009
2010
2011
2012
Undetermined
Encore
Planet
Hollywood
M Resort
Fontainebleau
CityCenter
Grand Hyatt
Las Palmas
Hotel
Palazzo
Trump
Aliante
Palms Place
Echelon
Pinnacle
Las Vegas
Convention
Center
Plaza
REI Neon
Royal Palms
Ultimate Sports
Resort
Southern
Highlands
Conrad Hotel
$66.9 B
45,560 add’l
rooms
113,900 new jobs (direct,
indirect & induced)
Selected major
projects include…

12
Deposit Market Share by MSA
MSA: Las Vegas-Paradise, NV
Source: SNL Financial, FDIC Summary of Deposits data as of 06/30/07
2007
2007
2002
2002
Total
Total
Total
Total
Change in
Change in
Change in
2007
Deposits
Market
Deposits
Market
Deposits
Deposits
Market
2007
Branch
in Market
Share
in Market
Share
2002-2007
2002-2007
Share
Rank
Institution
Count
($000)
(%)
($000)
(%)
($000)
CAGR (%)
(%)
1
Citigroup Inc. (NY)
15
75,599,672
45.77
191,453
1.25
75,408,219
NM
44.52
2
Washington Mutual, Inc. (WA)
37
63,682,791
38.55
578,424
3.79
63,104,367
156.07
34.76
3
Bank of America Corporation (NC)
58
6,880,801
4.17
4,071,449
26.66
2,809,352
11.07
-22.49
4
Wells Fargo & Company (CA)
82
5,330,652
3.23
3,712,899
24.32
1,617,753
7.50
-21.09
5
Zions
Bancorporation (UT)
49
2,365,785
1.43
1,568,021
10.27
797,764
8.57
-8.84
6
Western Alliance Bancorporation (NV)
15
2,116,157
1.28
611,275
4.00
1,504,882
28.19
-2.72
7
U.S. Bancorp (MN)
40
1,514,959
0.92
1,056,691
6.92
458,268
7.47
-6.00
8
Silver State Bancorp (NV)
13
1,096,932
0.66
235,413
1.54
861,519
36.04
-0.88
9
Community Bancorp (NV)
13
1,096,459
0.66
322,466
2.11
773,993
27.73
-1.45
10
Wachovia Corporation (NC)
5
1,030,006
0.62
0
0.00
1,030,006
NM
0.62
11
Marshall & Ilsley
Corporation (WI)
1
762,086
0.46
227,751
1.49
534,335
27.32
-1.03
12
First National Bank Holding Company (AZ)
7
494,032
0.30
131,828
0.86
362,204
30.24
-0.56
13
Irwin Financial Corporation (IN)
1
455,414
0.28
139,606
0.91
315,808
26.68
-0.63
14
Colonial BancGroup, Inc. (AL)
12
374,224
0.23
113,034
0.74
261,190
27.05
-0.51
15
Capitol Bancorp Ltd. (MI)
5
353,685
0.21
200,026
1.31
153,659
12.07
-1.10
Totals
407
165,186,383
15,269,389
149,916,994
61.00

13
1Q ’08 Operating Performance
($ in million, except EPS)
Quarter Ending
Full Year
3/31/08
3/31/07
2007
2006
Pre-tax Pre-provision
$8.5
$10.3
$48.3
$35.7
Net Income (Loss)
($14.4)
$5.6
$24.8
$20.9
Diluted EPS
($0.95)
$0.39
$1.68
$1.52
ROAA
(3.16%)
1.76%
1.63%
2.13%
ROAE
(36.16%)
20.62%
18.84%
23.72%
Net Interest Margin
4.34%
5.72%
5.64%
6.18%
Efficiency Ratio
58.95%
47.76%
46.17%
43.98%
NPA’s
/ Assets
4.14%
0.02%
0.75%
0.07%
Reserves / Loans
2.50%
1.07%
1.24%
1.10%
NCO’s
/ Average
Loans
2.30%
0.00%
0.08%
0.07%
Pre-tax Pre-provision income of $8.5 million*
Net loss of $14.4 million and diluted EPS of -$0.95
Net interest income of $18.9 million
Net loans grew an annualized 17.2% in 1Q08 to $1.7 billion
Credit quality has deteriorated, but we significantly bolstered reserve levels to 2.50%
of loans.
*
Non
GAAP
financial
measure.
The
Company
believes
this
information
to
be
useful
to
provide
investorswith
a
clearer
picture
of
core
operating
earnings.
Source:
Company
financials
&
SNL
Financial

14
$379
$490
$701
$806
$1,210
$1,764
$1,915
$0
$250
$500
$750
$1,000
$1,250
$1,500
$1,750
$2,000
$2,250
'02
'03
'04
'05
'06
'07
Q1
'08
Assets ($Mil)
$291
$392
$572
$646
$986
$1,427
$1,572
$0
$200
$400
$600
$800
$1,000
$1,200
$1,400
$1,600
$1,800
'02
'03
'04
'05
'06
'07
Q1
'08
Deposits ($Mil)
$0.21
$0.38
$0.70
$1.19
$1.52
$1.68
-$0.95
-$0.95
-$0.45
$0.05
$0.55
$1.05
$1.55
'02
'03
'04
'05
'06
'07
Q1
'08
Diluted EPS
$287
$386
$527
$650
$1,039
$1,678
$1,609
$0
$200
$400
$600
$800
$1,000
$1,200
$1,400
$1,600
$1,800
$2,000
'02
'03
'04
'05
'06
'07
Q1
'08
Loans ($Mil)
Significant Growth
Proven Track Record of Growth
CAGR: 36%
CAGR: 38%
CAGR: 40%
Source: SNL Financial (CAGRs
are based on the 5.25 year period ending on 03/31/08)

15
Profitability
Historical Profitability
Source: SNL Financial
0.7%
0.9%
1.5%
2.1%
2.1%
1.6%
-3.2%
-3.50%
-3.00%
-2.50%
-2.00%
-1.50%
-1.00%
-0.50%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
'02
'03
'04
'05
'06
'07
Q1
'08
ROAA
10.8%
17.7%
23.0%
29.7%
25.9%
22.3%
-40.4%
-50%
-40%
-30%
-20%
-10%
0%
10%
20%
30%
40%
'02
'03
'04
'05
'06
'07
Q1
'08
ROATE
4.1%
4.4%
4.7%
5.8%
6.2%
5.6%
4.3%
3.0%
3.5%
4.0%
4.5%
5.0%
5.5%
6.0%
6.5%
'02
'03
'04
'05
'06
'07
Q1
'08
NIM
73%
60%
51%
43%
44%
46%
59%
30%
35%
40%
45%
50%
55%
60%
65%
70%
75%
'02
'03
'04
'05
'06
'07
Q1
'08
Efficiency Ratio

16
Deposit Composition
Deposit Mix
Total Deposits = $1,572 Million
Source: Company financials (3/31/08)
Savings
1%
Time <
$100,000
38%
Non-Interest
Bearing
Demand
9%
Time >
$100,000
18%
Interest-
Bearing
Checking &
MMDA
34%
Average interest cost of total deposits was 3.92% in 1Q08
Brokered Deposits totaled $674.1 million at March 31, 2008

17
Loan Portfolio
Portfolio Composition
Total Loans = $1,627 Million
1-4 Family
6%
C&I
9%
CRE
16%
Construction & Land
Development
69%
Consumer
0%
Source: Company financials (3/31/08)
Average yield on total loans was 8.36% in 1Q08

18
Construction & Land Lending
3/31/08
Balance
($000)
% of
Construction
Loans
% of
Total
Loans
1-4 Family
$156,544
29.9
9.6
Multi-Fam.
50,018
9.6
3.1
Hotel
22,553
4.3
1.4
Multi-Use
16,209
3.1
1.0
Industrial
48,991
9.4
3.0
Office
64,951
12.4
4.0
Retail
163,101
31.2
10.0
Other
1,189
0.2
0.1
Total
$523,556
100.0
32.2
3/31/08
Balance
($000)
% of
Land
Loans
% of
Total
Loans
Residential Raw
$56,116
9.4
3.4
Commercial Raw
54,490
9.1
3.3
Res. Infill
29,645
5.0
1.8
Com. Infill
94,414
15.8
5.8
Res. Land Dev.
169,592
28.4
10.4
Com. Land Dev.
138,196
23.2
8.5
Res. Dev. Land
52,677
8.8
3.2
Com. Dev. Land
1,757
0.3
0.1
Total
$596,887
100.0
36.7
Construction Loans By Use
Land Loans By Type
Source: Company financials
Commercial Raw
9%
Com. Land Dev.
23%
Residential Raw
9%
Com. Infill
16%
Res. Land Dev.
29%
Res. Dev. Land
9%
Res. Infill
5%
Hotel, 4%
Multi Use, 3%
Office, 12%
Retail, 31%
Multi Family, 10%
Single Family, 30%
Industrial, 9%
Other, 0%

19
Las Vegas Housing Market
The
Las
Vegas
area
housing
market
continues
to
experience
slower
sales
activity,
significantly
less
new
home
permits,
and,
excluding
high
rises,
a
sustained
decline
in
both
new
and
existing
home
prices.
YTD
through
April
30,
2008,
new
home
sales
totaled
3,142,
a
39%
decline
from
last
year’s
YTD.
April
median
new
home
price
was
$255,615,
down
18.4%
from
a
year-ago.
April
median
existing
home
price
was
$230,000,
a
19.3%
decline.
Home
permits
are
down
70%
YTD
to
1,844,
this
should
help
with
working
out
supply.
Existing
home
sales
were
up
in
April
and
totaled
2,247,
which
represented
a
21%
increase
from
March
and
a
30%
increase
from
April
2007.
According
to
the
sources
referenced
below,
it
is
likely
that
home
prices
will
continue
to
trend
downward
given
excess
supply
before
a
bottom
is
reached.
However,
population
growth,
job
prospects
and
home
loan
accessibility
will
ultimately
determine
when
the
cycle
will
turn.
*Data
provided
by
Home
Builders
Research,
Inc.
and
the
UNLV
Center
for
Business
and
Economic
Research
The Latest on Las Vegas Housing Market Conditions*

20
CRE Portfolio
Relationship driven lending
Local market knowledge
Diversified portfolio
Strong segmentation reporting and stress test monitoring
Total Term CRE = $257 Million
3/31/08
($000)
% of CRE
Loans
% of Total
Loans
Multi-Family
9,340
3.6%
0.6
Hotel
4,624
1.8%
0.3
Multi-Use
11,513
4.5%
0.7
Industrial
50,194
19.5%
3.1
Office
63,565
24.7%
3.9
Mini-Storage
4,038
1.6%
0.2
Retail
81,037
31.5%
5.0
Other
32,557
12.7%
2.0
Total
$256,868
100.0%
15.8%
Experienced CRE Lender
Hotel
1.8%
Multi-Use
4.5%
Industrial
19.5%
Mini-Storage
1.6%
Retail
31.5%
Multi Family
3.6%
Office
24.7%
Other
12.7%
Source: Company financials

21
Small Business Lending
Extensive Reach in Small Business Lending
Ten
LPOs
operating
in
seven
states
(CA,
CO,
FL,
NV,
OR,
UT
and
WA)
Leading small business lender in Nevada and Arizona
Established track record of profitable growth
Experienced management team
Experience garnered from LPOs
can serve as an evaluation tool for potential
acquisitions or de novo bank formations
$0
$50
$100
$150
$200
$250
2005
2006
2007
1Q08*
1Q08 Small Business Loan Origination by Type
Total Small Business Loan Origination
504
49%
Conv
38%
Dir Fund
3%
Express
2%
7A
8%
Note:
Dollars in millions
Source: Company documents
*Annualized

22
Small Business Lending
Gain on Sale of Loans as a % of Pretax Income
32.2%
20.5%
14.0%
12.8%
13.3%
0%
5%
10%
15%
20%
25%
30%
35%
2003Y
2004Y
2005Y
2006Y
2007Y
Source: Company Earnings Release for 4Q 2007, SNL Financial

23
Strengthening Credit Culture
Engaged highly regarded third party loan review firm to assist our
efforts in identifying credit weaknesses and potential credit losses
Aggressively updating appraisals, particularly real estate collateral
underlying construction and land loans
Recently named a new Chief Lending Officer/Chief Credit
Administration Officer with considerable banking experience in the
Southwestern U.S.
Enhanced our lending guidelines, created an internal loan review
department, and added staff to our Special Asset Department
Ensure that we continue to closely monitor local economic conditions
and forecast the potential affects on our loan portfolio in the future.
Steps Taken to Identify Problems and Enhance Oversight

24
Third Party Loan Review -
Summary
In April, 2008, Silver State hired an independent third party loan review firm to
assess the quality of the bank’s construction and land portfolios.
The residential review was completed in April and the loan loss reserve as of
March
31,
2008
reflected
that
review.
The
commercial
review
was
completed
in May and resulted in just 6% of downgrades, which will be reflected in the
second quarter’s loan loss provision.
The review assessed the quality of 157 construction and land loans totaling
$640 million.
Loans reviewed included all “Pass”
grade, non Watch List construction and land
loans with an outstanding balance of $3 million or more, representing 57% of
total construction and land loans outstanding as of March 31, 2008.
127 of the loans reviewed totaling $519 million, or 81%, received a “Pass”
grade.
30 of the loans reviewed totaling $121 million, or 19%, were downgraded.
Residential Downgrades = $104 million
Commercial Downgrades = $17 million

25
Nonperforming Loan Mix and Ratios
Commercial Land,
3.0%
Commercial &
industrial, 0.4%
Residential
Construction ,
25.7%
Commercial real
estate, 2.6%
Residential real
estate, 0.2%
Residential Land,
55.9%
Commercial
Construction,
12.2%
Source: Company financials
Amount ($000s)
% of NPAs
% of Loan Type
Residential Construction
$20,052
25.7%
12.8%
Commercial Construction
9,473
12.2%
2.6%
Residential Land 
43,614
55.9%
14.2%
Commercial Land
2,349
3.0%
0.8%
Commercial RE
2,003
2.6%
0.8%
Residential RE
143
0.2%
0.1%
Commercial & Industrial
317
0.4%
0.2%
Total
$77,951
100.0%

26
Criticized
*
Loan Mix and Ratios
Amount ($000s)
(%)
% of Loan Type
Residential Construction
$43,953
16.0%
28.1%
Commercial Construction
47,412
17.3%
12.9%
Residential Land
112,507
41.0%
36.5%
Commercial Land
64,215
23.4%
22.2%
Commercial RE
1,391
0.5%
0.5%
Residential RE
4,220
1.5%
4.1%
Commercial & Industrial
833
0.3%
0.6%
Total
$274,531
100.0%
Commercial Land,
23.4%
Commercial &
industrial, 0.3%
Residential
Construction ,
16.0%
Commercial real
estate, 0.5%
Residential real
estate, 1.5%
Residential Land,
41.0%
Commercial
Construction,
17.3%
*
Loans
categorized
as
Special
Mentioned,
Substandard,
Doubtful,
and
Loss;
At
March
31,
2008
all
the
problem
loans
were
classified
Substandard.
Source:
Company
financials
(3/31/08)

27
4.14%
0.75%
0.07%
0.15%
0.15%
1.28%
0.71%
0.08%
0.14%
0.27%
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
2004
2005
2006
2007
Q1 '08
Nonperforming Assets  & Net Charge Offs
NPAs
/ Total Assets
Silver State Bancorp
Peer Group –
So. Cal, NV, AZ Banks with $500 million to $2 billion in assets
NCOs/Average Loans
0.01%
0.11%
0.07%
0.08%
2.30%
0.05%
0.05%
0.10%
0.28%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
2004
2005
2006
2007
Q1 '08
Source: SNL Financial

28
Loan Loss Reserve / Gross Loans
LLR / Gross Loans
Silver State Bancorp
Peer Group –
So. Cal, NV, AZ Banks with $500 million to $2 billion in assets
Source: SNL Financial
1.26%
1.14%
1.10%
1.24%
2.50%
1.12%
1.09%
1.10%
1.21%
1.35%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
2004
2005
2006
2007
Q1 '08

29
Presence in high-growth markets in Southwestern U.S. with strong
expected population growth
Strategy to expand branch network in existing markets
Experienced construction, land development and real estate
lender
Growing, national small business lending platform with proven
results
Focused on core deposit gathering through branch network
Long standing relationships with customers
Local market knowledge and product expertise
High-touch, responsive customer service
Performed full scale third party loan review and aggressively
updating appraisals
Enhanced underwriting and oversight of credit portfolio
Added staff to special assets group
Experienced management team
Significant experience in the community banking business model
Local bankers with proven track record in local markets
Operates in Attractive
Markets
Experienced
Management with Track
Record of Success
Focused Expertise with
Proven Track Record of
Success
Competitive Advantage
Strengthening Credit
Function
Investment Highlights