Figure 1 Title: American Southernís ADC Loan Concentration Compared to Peers
Description of Figure 1: The Image is line graph with two lines (American Southern and Peers). On the Y-Axis is Ratio of ADC Loans to Total Loans ranging from 0% to 80%. On the X-Axis is Period - ranging from 2005 - 2008.

American Southern (ADC Loans to Total Loans)
2005: 38%
2006: 67%
2007: 55%
2008: 44%

Peers (ADC Loans to Total Loans)
2005: 16%
2006: 21%
2007: 22%
2008: 17%

Source: December 2005 to 2008 UBPR data for American Southern.