Figure 2: Georgian's ADC Loans as a Percentage of Average Gross Loans Compared to Peer Group, 2003 to 2008

Percentage

Year Ending December 31 2003
Georgian: 48.44%
Peer Group: 12.16%

Year Ending December 31 2004
Georgian: 49.27%
Peer Group: %13.52%

Year Ending December 31 2005
Georgian: 51.29%
Peer Group: 13.06%

Year Ending December 31 2006
Georgian: 56.31%
Peer Group: 16.79%

Year Ending December 31 2007
Georgian: 54.25%
Peer Group: 18.52%

Year Ending December 31 2008
Georgian: 51.57%
Peer Group: 18.03%

Source: UBPRs for Georgian.