<SUBMISSION>
<ACCESSION-NUMBER>0000720672-09-000030
<TYPE>10-K
<PUBLIC-DOCUMENT-COUNT>10
<PERIOD>20081231
<FILING-DATE>20090227
<DATE-OF-FILING-DATE-CHANGE>20090227
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>STIFEL FINANCIAL CORP
<CIK>0000720672
<ASSIGNED-SIC>6211
<IRS-NUMBER>431273600
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>10-K
<ACT>34
<FILE-NUMBER>001-09305
<FILM-NUMBER>09643848
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>ATTN: JAMES G. LASCHOBER
<STREET2>501 N. BROADWAY
<CITY>ST. LOUIS
<STATE>MO
<ZIP>63102-2102
<PHONE>314-342-2000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>ATTN: JAMES G. LASCHOBER
<STREET2>501 N. BROADWAY
<CITY>ST. LOUIS
<STATE>MO
<ZIP>63102-2102
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>rsf200810k_edgar2.htm
<DESCRIPTION>FORM 10-K
<TEXT>
<html>

<head>



<title>Stifel Financial Corp Form 10-K</title>



</head>

<body lang=EN-US link=blue vlink=purple>



<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;UNITED STATES<br>
SECURITIES AND EXCHANGE COMMISSION<br>
  Washington, D.C.&nbsp; 20549</b></p>

<p class=MsoNormal align=center style='text-align:center;line-height:36.0pt'><b>FORM 10-K</b></p>

<p class=MsoNormal align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Mark
One)</p>

<p class=MsoNormal style='margin-left:27.0pt;text-indent:-27.0pt' align="center">
[x]&nbsp;&nbsp;&nbsp;&nbsp; <b>ANNUAL REPORT PURSUANT TO SECTION
13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</b></p>



<p class=MsoNormal style='margin-left:27.0pt;text-align:center;text-indent:
-27.0pt'>For the
fiscal year ended <u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <b>December 31, 2008</b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </u></p>



<p class=MsoNormal align=center style='margin-left:27.0pt;text-align:center;
text-indent:-27.0pt'>or</p>



<p class=MsoNormal style='margin-left:27.0pt;text-indent:-27.0pt' align="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
[ ]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <b>TRANSITION
REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</b></p>



<p class=MsoNormal style='margin-left:27.0pt;text-align:center;text-indent:
-27.0pt'>For the
transition period from <u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </u>&nbsp;to
<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </u></p>

<p class=MsoNormal style='margin-left:27.0pt;text-indent:-27.0pt' align="center">Commission file number <u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1-9305&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </u></p>

<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=384 valign=top style='width:4.0in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>STIFEL FINANCIAL CORP.</u></b></p>
  </td>
 </tr>
 <tr>
  <td width=384 valign=top style='width:4.0in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>(Exact name of
  registrant as specified in its charter)</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal align=center style='text-align:center'>&nbsp;</p>

<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=335 valign=top style='width:251.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>DELAWARE</u></b></p>
  </td>
  <td width=325 valign=top style='width:243.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>43-1273600</u></b></p>
  </td>
 </tr>
 <tr>
  <td width=335 valign=top style='width:251.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>(State or other
  jurisdiction of incorporation or organization)</p>

  </td>
  <td width=325 valign=top style='width:243.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>(I.R.S. Employer
  Identification No.)</p>
  </td>
 </tr>
 <tr>
  <td width=335 valign=top style='width:251.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>501 N. Broadway, St. Louis, Missouri</u></b></p>
  </td>
  <td width=325 valign=top style='width:243.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>63102-2188</u></b></p>
  </td>
 </tr>
 <tr>
  <td width=335 valign=top style='width:251.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>(Address of principal
  executive offices)</p>
  </td>
  <td width=325 valign=top style='width:243.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>(Zip Code)</p>
  </td>
 </tr>
</table>

</div>



<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=335 valign=top style='width:251.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-align:justify'>Registrant's telephone number, including area
  code</p>
  </td>
  <td width=325 valign=top style='width:243.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>314-342-2000</u></b></p>
  </td>
 </tr>
</table>

</div>



<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr>
  <td width=662 colspan=2 valign=top style='width:496.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Securities
  registered pursuant to Section 12(b) of the Act:</p>
  </td>
 </tr>
 <tr>
  <td width=336 valign=top style='width:251.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><u>Title of each class</u></p>
  </td>
  <td width=326 valign=top style='width:244.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><u>Name of each exchange
  on which registered</u></p>
  </td>
 </tr>
 <tr>
  <td width=336 valign=top style='width:251.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Common Stock, Par
  Value $.15 per share</b></p>
  </td>
  <td width=326 valign=top style='width:244.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>New York</b><b> Stock Exchange</b></p>
  <p class=MsoNormal align=center style='text-align:center'><b>Chicago</b><b> Stock Exchange</b></p>
  </td>
 </tr>
 <tr>
  <td width=336 valign=top style='width:251.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Preferred Stock
  Purchase Rights</b></p>
  </td>
  <td width=326 valign=top style='width:244.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>New York</b><b> Stock Exchange</b></p>
  <p class=MsoNormal align=center style='text-align:center'><b>Chicago</b><b> Stock Exchange</b></p>
  </td>
 </tr>
</table>

</div>

<p class=MsoBodyText style='margin-top:6.0pt'>Securities
registered pursuant to Section 12(g) of the Act: <b>None</b></p>

<p class=MsoBodyText style='margin-top:6.0pt'>Indicate by check mark if the
registrant is a well-known seasoned issuer, as defined in Rule 405 of the
Securities Act.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes
[x]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No [ ]</p>

<p class=MsoBodyText style='margin-top:6.0pt'>Indicate
by check mark if the registrant is not required to file reports pursuant to
Section 13 or Section 15(d) of the Act.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Yes
[ ]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No [x]</p>

<p class=MsoBodyText style='margin-top:6.0pt'>Indicate by check mark whether the
registrant (1) has filed all reports required to be filed by Section 13 or 15(d)
of the Securities Exchange Act of 1934 during the preceding 12 months (or for
such shorter period that the registrant was required to file such reports), and
(2) has been subject to such filing requirements for the past 90 days.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Yes [x]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
No [ ]</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>Indicate by check
mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K
is not contained herein, and will not be contained, to the best of registrant's
knowledge, in definitive proxy or information statements incorporated by
reference in Part III of this Form 10-K or any amendment to this Form 10-K.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
[ ]</p>

<p class=MsoFooter align=center style='text-align:center'>1</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>
<p class=MsoBodyText style='margin-top:6.0pt'>Indicate
by check mark whether the registrant is a large accelerated filer, an
accelerated filer, a non-accelerated filer, or a smaller reporting company. See
the definitions of &quot;large accelerated filer,&quot; &quot;accelerated filer&quot;
and &quot;smaller reporting company&quot; in Rule 12b-2 of the Exchange Act.</p>

<p class=MsoBodyText style='margin-top:6.0pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Large accelerated filer [x]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Accelerated filer [ ] </p>

<p class=MsoBodyText style='margin-top:6.0pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Non-accelerated
filer [ ] (Do not check if smaller reporting company)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Smaller reporting company
[ ]</p>
<p class=MsoBodyText style='margin-top:6.0pt'>Indicate
by check mark whether the registrant is a shell company (as defined in Rule
12b-2 of the Exchange Act). &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Yes[
]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No [x]</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>As of June 30, 2008, the
aggregate market value of the registrant's common stock held by non-affiliates
of the registrant computed by reference to the price at which the common stock
was last sold was approximately $861.5 million.</p>

<p class=MsoBodyText style='margin-top:6.0pt'>The
number of shares outstanding of the registrant's common stock as of February 20,
2009 was 27,034,611, par value $.15 per share.</p>

<p class=MsoNormal align=center style='text-align:center;line-height:36.0pt'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DOCUMENTS
INCORPORATED BY REFERENCE&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </b></p>



<p class=MsoBodyText>Portions of the Proxy
Statement for the 2009 Annual Meeting of Shareholders, to be filed within 120
days of the fiscal year ended December 31, 2008, are incorporated by reference
in Part III, Items 10, 11, 13 and 14.</p>

<p class=MsoFooter align=center style='text-align:center'>2</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>





<p class=MsoHeading7 align=center style='margin-left:0in;text-align:center'><b>STIFEL
FINANCIAL CORP.<br>
Form 10-K for the Year Ended December 31, 2008<br>
<a name="TABLE_OF_CONTENTS">TABLE
OF CONTENTS</a></b></p>
<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=670
 style='width:502.2pt;margin-left:5.4pt;border-collapse:collapse'>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-19.8pt'><b>PART I</b></p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td width=64 valign=top style='width:47.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-left:19.8pt;text-align:center;
  text-indent:-19.8pt'><b>Page</b></p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_1.">Item 1. Business.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>4</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_1A.">Item 1A. Risk Factors.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>13</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_1B.">Item 1B. Unresolved Staff
  Comments.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>23</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_2.">Item 2. Properties.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>23</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_3.">Item 3. Legal Proceedings.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>23</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_4.">Item 4. Submission of Matters
  to a Vote of Security Holders.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>25</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <b>PART II</b></td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_5.">Item 5. Market for
  Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases
  of Equity Securities.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:19.8pt;text-align:right;
  text-indent:-19.8pt'><br>
  25</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_6.">Item 6. Selected Financial
  Data.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>28</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_7.">Item 7. Management's
  Discussion and Analysis of Financial Condition and Results of Operations.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>30</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_7A.">Item 7A. Quantitative and
  Qualitative Disclosures About Market Risk.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>60</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_8.">Item 8. Financial Statements
  and Supplementary Data.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>65</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_9.">Item 9. Changes in and
  Disagreements with Accountants on Accounting and Financial Disclosure.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>119</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_9A.">Item 9A. Controls and Procedures.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>119</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_9B.">Item 9B. Other Information.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>122</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'><b>PART III</b></p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_10.">Item 10. Directors, Executive
  Officers and Corporate Governance.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>122</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_11.">Item 11. Executive
  Compensation.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>122</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_12.">Item 12. Security Ownership of
  Certain Beneficial Owners and Management and Related Stockholder Matters.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:19.8pt;text-align:right;
  text-indent:-19.8pt'><br>
  122</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_13.">Item 13. Certain Relationships
  and Related Transactions, and Director Independence.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>123</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>&nbsp;</p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_14.">Item 14. Principal Accounting
  Fees and Services.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>123</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'><b>PART IV</b></p>
  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#ITEM_15.">Item 15. Exhibits, Financial
  Statement Schedules.</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>124</p>
  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=516 valign=top style='width:387.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
	<a href="#SIGNATURES">Signatures</a></p>
  </td>
  <td width=64 valign=top style='width:47.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='margin-left:.25in;text-align:right;
  text-indent:-.25in'>129</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>3</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p class=MsoHeader align=center>
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>



<p class=MsoBodyText style='margin-top:6.0pt'><b>CAUTIONARY NOTE REGARDING
FORWARD-LOOKING STATEMENTS</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>This
Form 10-K and the information incorporated by reference in this Form 10-K
contain certain forward-looking statements. Statements that are
not historical or current facts, including statements about beliefs and
expectations, are forward-looking statements. These forward looking statements
include, among other things, statements other than historical information or
statements of current condition and may relate to our future plans and objectives
and results, and also may include our belief regarding the effect of various
legal proceedings, as set forth under &quot;Legal Proceedings&quot; in Part I, Item 3 of
this Form 10-K. Forward-looking statements involve inherent risks and
uncertainties, and important factors could cause actual results to differ
materially from those anticipated, including those factors discussed below
under &quot;Risk Factors&quot; in Item 1A, as well as those factors discussed under
&quot;External Factors Impacting Our Business&quot; included in &quot;Management's Discussion
and Analysis of Financial Condition and Results of Operations&quot; in Part II, Item
7 of this Form 10-K. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Because of
these and other uncertainties, our actual future results may be materially
different from the results indicated by these forward-looking statements. In
addition, our past results of operations do not necessarily indicate our future
results. Forward-looking statements speak
only as of the date they are made, and we undertake no obligation to update
them in light of new information or future events, unless we are obligated to
do so under federal securities laws.</p>

<p class=MsoHeading7 align=center style='margin-top:.25in;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>PART I</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>
<a name="ITEM_1.">ITEM 1.</a>&nbsp; BUSINESS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Financial Corp.
is a Delaware corporation and a financial services holding company
headquartered in St. Louis. We were organized in 1983. Our principal subsidiary
is Stifel Nicolaus &amp; Company, Incorporated (&quot;Stifel Nicolaus&quot;), a full
service retail and institutional brokerage and investment banking firm. Stifel
Nicolaus is the successor to a partnership founded in 1890. Our other
subsidiaries include Century Securities Associates, Inc. (&quot;CSA&quot;), an
independent contractor broker-dealer firm, Stifel Nicolaus Limited (&quot;SN Ltd&quot;), our
international subsidiary, Butler Wick &amp; Company, Inc. (&quot;Butler Wick&quot;), a
broker-dealer firm acquired on December 31, 2008, and Stifel Bank &amp; Trust
(&quot;Stifel Bank&quot;), a retail and commercial bank. Unless the context requires
otherwise, the term &quot;our company,&quot; &quot;we,&quot; and &quot;our&quot; as used herein refer to Stifel
Financial Corp. and its subsidiaries. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>With our century-old
operating history, we have built a diversified business serving private
clients, institutional investors and investment banking clients located across
the country. Our principal activities are:</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Private
client services, including securities transaction and financial planning
services; </p>

<p class=MsoNormal style='margin-left:23.75pt;text-align:justify;text-indent:
-.25in;text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Institutional
equity and fixed income sales, trading and research, and municipal finance; </p>

<p class=MsoNormal style='margin-left:23.75pt;text-align:justify;text-indent:
-.25in;text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Investment
banking services, including mergers and acquisitions, public offerings and
private placements; and </p>

<p class=MsoNormal style='margin-left:23.75pt;text-align:justify;text-indent:
-.25in;text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Retail
and commercial banking, including personal and commercial lending programs.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our core philosophy is
based upon a tradition of trust, understanding and studied advice. We attract
and retain experienced professionals by fostering a culture of entrepreneurial,
long-term thinking. We provide our private, institutional and corporate clients
quality, personalized service, with the theory that if we place clients' needs
first, both our clients and our company will prosper. Our unwavering client and
employee focus have earned us a reputation as one of the leading brokerage and
investment banking firms off Wall Street.&nbsp; </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have grown our
business both organically and through opportunistic acquisitions. Over the past
several years, we have grown substantially, primarily by completing and successfully
integrating a number of acquisitions, including our acquisition of the capital
markets business of Legg Mason (&quot;LM Capital Markets&quot;) from Citigroup in December 2005 and the
following more recent acquisitions:</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<b>Miller
Johnson Steichen Kinnard, Inc. (&quot;MJSK</b><b>&quot;</b><b>)</b> - On December 5, 2006, we closed on the
acquisition of the private client business and certain assets and limited
liabilities of MJSK, a privately held broker-dealer. The acquisition was
completed to further grow our company's private client business, particularly
in the state of Minnesota. </p>

<p class=MsoFooter align=center style='text-align:center'>4</p>

<div class=MsoNormal align=center style='text-align:center'>&nbsp;<hr size=2 width="100%" noshade color=navy align=center>

</div>

<p class=MsoNormal style='line-height:1.0pt' align="center"><a href="#TABLE_OF_CONTENTS">Table
of Contents</a><br clear=all
style='page-break-before:always'>






</p>
<p class=MsoNormal style='line-height:1.0pt'>&nbsp;</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<b>Ryan
Beck Holdings, Inc. (&quot;Ryan Beck</b><b>&quot;</b><b>) and its wholly-owned broker-dealer subsidiary
Ryan Beck &amp; Company, Inc</b>. - On February 28, 2007, we closed on the
acquisition of Ryan Beck, a full-service brokerage and investment banking firm
with a strong private client focus, from BankAtlantic Bancorp, Inc.&nbsp;
The acquisition was made because the combination of Stifel Nicolaus and Ryan
Beck represented a good strategic fit between two well established regional
broker-dealers that share similar business models and cultures.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<b>First
Service Financial Company (&quot;First Service</b><b>&quot;</b><b>) and its wholly-owned subsidiary
FirstService Bank</b>
- On April 2, 2007, we completed our acquisition of First Service, and its
wholly-owned subsidiary FirstService Bank, a St. Louis-based Missouri
commercial bank, by means of the merger of First Service with and into FSFC
Acquisition Co. (&quot;AcquisitionCo&quot;), a Missouri corporation and wholly-owned
subsidiary of Stifel Financial Corp.,&nbsp; with AcquisitionCo surviving the merger. Upon
consummation of the merger, we became a bank holding company and a
&quot;financial holding company,&quot; subject to the supervision and regulation of The
Board of Governors of the Federal Reserve System. Also, FirstService Bank has
converted its charter from a Missouri bank to a Missouri trust company and
changed its name to &quot;Stifel Bank &amp; Trust.&quot;</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<b>Butler
Wick &amp; Company, Inc.</b> - On December 31, 2008, we closed on the acquisition of
Butler Wick, a privately-held broker-dealer who provides financial advice to
individuals, municipalities and corporate clients. Butler Wick was
headquartered in Youngstown, Ohio, and, as of December 31, 2008, employed 175
employees, including 75 financial advisors, in 18 private client branch offices
throughout the Ohio Valley region.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Business Segments</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We operate in the
following segments: Private Client Group, Equity Capital Markets, Fixed Income
Capital Markets, Stifel Bank and Other. We added the Stifel Bank segment in
connection with our April 2007 acquisition of First Service, through which we
conduct retail and commercial banking operations under the brand Stifel Bank
&amp; Trust. Financial
information of our segments for each of the three years ended December 31, 2008,
2007, and 2006 is included in the consolidated financial statements and notes
thereto, with the exception of our Stifel Bank segment, which includes
financial information commencing from the date of acquisition of Stifel Bank on
April 2, 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Narrative
description of business</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of December 31, 2008,
we employed
3,371 individuals, including 1,142 financial advisors. In addition, 173 financial
advisors were affiliated with CSA as independent contractors. As of December
31, 2008, through our broker-dealer subsidiaries, we provide securities related
financial services to approximately 674,000 client accounts to customers
throughout the United States and Europe. Our customers include individuals,
corporations, municipalities and institutions. Although we have customers
throughout the United States, our major geographic area of concentration is in
the Midwest and Mid-Atlantic regions, with a growing presence in the Northeast,
Southeast and Western United States. No single client accounts for a material
percentage of any segment of our business. Although we do not engage in any significant
proprietary trading for our own account, the inventory of securities held to
facilitate customer trades and our market making activities are sensitive to
market movements. &nbsp;Our
inventory, which we believe is of modest size and intended to turn-over
quickly, exists to facilitate order flow and support the investment strategies
of our clients. Furthermore, our balance sheet is highly liquid, without
material holdings of securities that are difficult to value or remarket. We
believe that our broad platform, fee-based revenues and strong distribution
network position us well to take advantage of current trends within the
financial services sector.</p>

<p class=MsoFooter align=center style='text-align:center'>5</p>

<div class=MsoNormal align=center style='text-align:center'>

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<p class=MsoHeading7 align=center style='margin-left:0in;'><b>PRIVATE
CLIENT GROUP</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We provide securities
transaction, brokerage and investment services to our clients through the
consolidated Stifel Nicolaus branch system and through CSA, our wholly-owned
independent contractor subsidiary. We have made significant investments in
personnel and technology to grow the Private Client Group over the past ten
years. At December 31, 2008, the Private Client Group, with a concentration in the
Midwest and Mid-Atlantic regions and a growing presence in the Northeast,
Southeast and Western United States, had a network of 1,315 financial advisors,
consisting of 1,142 employees located in 196 branch offices in 35 states and
the District of Columbia and 173 independent contractors. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Consolidated Stifel
Nicolaus Branch System</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our financial advisors
provide a broad range of investments and services, including financial planning
services to our clients. We offer equity securities, taxable and tax-exempt
fixed income securities, including municipal, corporate, and government agency
securities, preferred stock and unit investment trusts. We also
offer a broad range of externally managed fee-based products. In addition, we
offer insurance and annuity products and investment company shares through
agreements with numerous third party distributors. We encourage our financial
advisors to pursue the products and services they feel most comfortable
recommending, rather than emphasizing proprietary products. Our private clients
may choose from a traditional, commission-based structure or fee-based money
management programs. In most cases, commissions are charged for sales of
investment products to clients based on an established commission schedule. In
certain cases, varying discounts may be given based on relevant client or trade
factors determined by the financial advisor. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>CSA Private Client</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008,
CSA had affiliations with 173 independent contractors in 146 branch offices in 29
states. CSA's independent contractors provide the same types of financial
products and services to its private clients as does Stifel Nicolaus. Under
their contractual arrangements, these independent contractors may also provide
accounting services, real estate brokerage, insurance, or other business
activities for their own account. However, all securities transactions must be
transacted through CSA. Independent contractors are responsible for all of
their direct costs and are paid a larger percentage of commissions to
compensate them for their added expenses. CSA is an introducing broker-dealer
and, as such, clears its transactions through Stifel Nicolaus.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Customer Financing</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Client securities
transactions are effected on either a cash or margin basis. The customer
deposits less than the full cost of the security when securities are purchased
on a margin basis. We make a loan for the balance of the purchase price. Such
loans are collateralized by the securities purchased. The amounts of the loans
are subject to the margin requirements of Regulation T of the Board of
Governors of the Federal Reserve System, Financial Industry Regulatory Authority (&quot;FINRA&quot;) margin requirements, and
our internal policies, which usually are more restrictive than Regulation T or
FINRA requirements. In permitting customers to purchase securities on margin, we
are subject to the risk of a market decline, which could reduce the value of our
collateral below the amount of the customers' indebtedness.</p>

<p class=MsoHeading7 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>EQUITY
CAPITAL MARKETS</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Equity Capital
Markets segment includes research, institutional sales and trading, investment
banking and syndicate, and consisted of 509 employees at December 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Research</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our research department consisted
of 150 analysts and support associates who publish research across multiple
industry groups and provide our clients with timely, insightful and actionable
research, aimed at improving investment performance.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Institutional Sales
and Trading</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our equity sales and
trading team distributes our proprietary equity research products and
communicates our investment recommendations to our client base of institutional
investors, executes equity trades, sells the securities of companies for which
we act as an underwriter and makes a market in over 1,100 domestic securities
at December 31, 2008. In our various sales and trading activities, we take a
focused approach on servicing our clients as opposed to proprietary trading for
our own account. Located in seven cities and the District of Columbia in the United
States as well as Geneva, London and Madrid, our equity sales and trading team,
consisting of 184 professionals and support professionals and associates,
services approximately 1,400 clients globally.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Investment Banking</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our investment banking
activities include the provision of financial advisory services principally
with respect to mergers and acquisitions, and the execution of public offerings
and private placements of debt and equity securities. The investment banking
group, consisting of 169 professionals and support associates, focuses on
middle market companies as well as on larger companies in targeted industries
where we have particular expertise, which include real estate, financial
services, healthcare, aerospace/defense and government services,
telecommunications, transportation, energy, business services, consumer
services, industrial, technology and education. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Syndicate</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our syndicate
department, which consists of six origination and execution professionals and
support associates, coordinates marketing, distribution, pricing and
stabilization of our managed equity and debt offerings.&nbsp; In addition, the
department coordinates our underwriting participations and selling group
opportunities managed by other investment banking firms.</p>

<p class=MsoHeading7 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>FIXED
INCOME CAPITAL MARKETS</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our Fixed Income Capital
Markets group included 244 professionals and support associates at December 31,
2008 in institutional sales and trading and public finance, providing service
to approximately 1,400 institutional clients.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Institutional Sales
and Trading</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The institutional sales
and trading group consists of 177 professionals and support associates and is
comprised of taxable and tax-exempt sales departments. Our institutional sales
and trading group executes trades in both tax-exempt and taxable products, with
diversification across municipal, corporate, government agency and
mortgage-backed securities. Our fixed income inventory is maintained primarily
to facilitate order flow and support the investment strategies of our
institutional fixed income clients, as opposed to seeking trading profits
through proprietary trading.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Public Finance</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our public finance group
acts as an underwriter and dealer in bonds issued by states, cities and other
political subdivisions and acts as manager or participant in offerings managed
by other firms. The public finance group consists of 67 professionals and
support associates.</p>

<p class=MsoHeading7 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'>&nbsp;</p>

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<p align="center"><b>STIFEL
BANK</b><br clear=all
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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In April 2007, we
completed the acquisition of First Service, a St. Louis-based full service
bank, which now operates as Stifel Bank &amp; Trust and is reported in the
Stifel Bank segment. Since the closing of the bank acquisition, we have grown
retail and commercial bank assets by 148% to $361.4 million at December 31,
2008. Through Stifel Bank, we offer retail and commercial banking services to
private and corporate clients, including personal loan programs such as fixed
and variable mortgage loans, home equity lines of credit, personal loans, loans
secured by CDs or savings, automobile loans and securities-based loans as well
as commercial lending programs such as small business loans, commercial real
estate loans, lines of credit, credit cards, term loans, and inventory and
receivables financing, in addition to other banking products. We believe this
acquisition will not only help us serve our private clients more effectively by
offering them a broader range of services, but will also enable us to better
utilize our private client cash balances.</p>



<p class=MsoHeading7 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>OTHER
SEGMENT</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Other segment
includes interest income from stock borrow activities, unallocated interest
expense, interest income and gains and losses on investments held, and all
unallocated overhead cost associated with the execution of orders; processing
of securities transactions; custody of client securities; receipt,
identification, and delivery of funds and securities; compliance with
regulatory and legal requirements; internal financial accounting and controls;
acquisition charges related to the LM Capital Markets and Ryan Beck acquisitions; and
general administration. At December 31, 2008, we employed 446 persons in this segment.</p>

<p class=MsoHeading9 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>BUSINESS
CONTINUITY</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have developed a
business continuity plan that is designed to permit continued operation of
business critical functions in the event of disruptions to our St. Louis, Missouri headquarters facility. Several critical business applications are
supported by our outside vendors who maintain backup capabilities. We
periodically participate in testing these backup facilities. Likewise, the business
functions that we run internally can be supported without the St. Louis
headquarters, either through our redundant computer capacities in our Jersey
City, New Jersey; and Baltimore, Maryland locations, or from our branch
locations that can connect to our third party securities processing vendor
through its primary or redundant facilities. Systems have been designed so that
we can route all mission critical processing activity either through Jersey City, or Baltimore to alternate locations which can be staffed with relocated
personnel as appropriate.</p>

<p class=MsoHeading9 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>GROWTH
STRATEGY</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We believe our plans for
growth will allow us to increase our revenues and to expand our role with
clients as a valued partner. In executing our growth strategy, we take
advantage of the consolidation among middle market firms, which we believe
provides us opportunities in our private client and capital markets businesses.
We intend to pursue the following strategies:</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<i>Further
expand our private client footprint in the U.S.</i>&nbsp; We have expanded the
number of our private client branches from 39 as of December 31, 1997 to 196 as
of December 31, 2008 and our branch-based financial advisors from 262 to 1,142 over
the same period. Through organic growth and acquisitions, we currently have a
strong footprint nationally, concentrated in the Midwest, and Mid-Atlantic regions, with a growing presence in the Northeast, Southeast, and Western United States. Over time, we plan to further expand our domestic private client
footprint. We plan on achieving this through recruiting experienced financial
advisors with established client relationships and continuing to selectively
consider acquisition opportunities as they may arise.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<i>Further
expand our institutional equity business both domestically and internationally.</i>&nbsp; Our institutional
equity business is built upon the premise that high quality fundamental
research is not a commodity. The growth of our business over the last 10 years
has been fueled by the effective partnership of our highly rated research and
institutional sales and trading teams. Several years ago, we identified an
opportunity to expand our research capabilities by taking advantage of market
disruptions and the long term impact of the global settlement on Wall Street
research. As a result, we have grown from 43 analysts covering 513 companies in
2005 to 62 analysts covering 800 companies at December 31, 2008. In addition,
as of December 31, 2008, our research department was ranked the fourth largest
research department, as measured by domestic equities under coverage, by
StarMine. Our goal is to further monetize our research platform by adding
additional institutional sales and trading teams and by placing a greater
emphasis on client management.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<i>Grow
our investment banking business.</i>&nbsp; By leveraging our industry expertise, our
product knowledge, our research platform, our capital markets strength, our
middle market focus and our private client network, we intend to grow our
investment banking business. Our unique position as a middle market focused
investment bank with broad-based and respected research will allow us to take
advantage of opportunities in the middle market and continue to align our
investment banking coverage with our research footprint.</p>

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<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
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</p>
<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<i>Focus
on asset generation within our Stifel Bank operations and offer retail and
commercial banking services to our clients.</i>&nbsp; We believe the addition of Stifel Bank
banking services strengthens our existing client relationships and helps us
recruit financial advisors seeking to provide a full range of services to their
private clients. We intend to increase the sale of banking products and
services to our private and corporate clients. </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:23.75pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<i>Approach
acquisition opportunities with discipline.</i>&nbsp; Over the course of our operating
history, we have demonstrated our ability to identify, effect, and integrate
attractive acquisition opportunities. We believe the current environment and
market dislocation will provide us with the ability to thoughtfully consider
acquisitions on an opportunistic basis.</p>

<p class=MsoHeading9 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>COMPETITION</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We compete with other
securities firms, some of which offer their customers a broader range of
brokerage services, have substantially greater resources, and may have greater
operating efficiencies. In addition, we face increasing competition from other
financial institutions, such as commercial banks, online service providers, and
other companies offering financial services. The Financial Modernization Act,
signed into law in late 1999, lifted restrictions on banks and insurance
companies, permitting them to provide financial services once dominated by
securities firms. In addition, recent consolidation in the financial services
industry may lead to increased competition from larger, more diversified
organizations. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We rely on the expertise
acquired in our market area over our 118-year history, our personnel, and our equity
capital to operate in the competitive environment.</p>

<p class=MsoHeading9 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>REGULATION</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The securities industry
in the United States is subject to extensive regulation under federal and state
laws. The Securities and Exchange Commission (&quot;SEC&quot;) is the federal agency
charged with the administration of the federal securities laws. Much of the
regulation of broker-dealers, however, has been delegated to self-regulatory organizations
(&quot;SRO&quot;), principally FINRA,
the Municipal Securities Rulemaking Board, and securities exchanges. SROs adopt
rules (which are subject to approval by the SEC) that govern the industry and
conduct periodic examinations of member broker-dealers. Securities firms are
also subject to regulation by state securities commissions in the states in
which they are registered.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As a result of federal
and state registration and SRO memberships, broker-dealers are subject to
overlapping schemes of regulation which cover all aspects of their securities
businesses. Such regulations cover matters including capital requirements; uses
and safekeeping of clients' funds; conduct of directors, officers, and
employees; recordkeeping and reporting requirements; supervisory and
organizational procedures intended to assure compliance with securities laws
and to prevent improper trading on material nonpublic information;
employee-related matters, including qualification and licensing of supervisory
and sales personnel; limitations on extensions of credit in securities
transactions; clearance and settlement procedures; requirements for the
registration, underwriting, sale, and distribution of securities; and rules of
the SROs designed to promote high standards of commercial honor and just and
equitable principles of trade. A particular focus of the applicable regulations
concerns the relationship between broker-dealers and their customers. As a
result, many aspects of the broker-dealer customer relationship are subject to
regulation, including, in some instances, &quot;suitability&quot; determinations as to
certain customer transactions, limitations on the amounts that may be charged
to customers, timing of proprietary trading in relation to customers' trades,
and disclosures to customers.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additional legislation,
changes in rules promulgated by the SEC and by SROs, and changes in the
interpretation or enforcement of existing laws and rules often directly affect
the method of operation and profitability of broker-dealers. The SEC and the SROs
conduct regular examinations of our broker-dealer subsidiaries and also
initiate targeted and other specific inquiries from time to time, which
generally include the investigation of issues involving substantial portions of
the securities industry. The SEC and the SROs may determine to take no formal
action in certain matters. The SEC and the SROs may conduct administrative
proceedings, which can result in censures, fines, suspension, or expulsion of a
broker-dealer, its officers, or employees. The principal purpose of regulation
and discipline of broker-dealers is the protection of customers and the
securities markets rather than the protection of creditors and stockholders of
broker-dealers.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As broker-dealers,
Stifel Nicolaus, Butler Wick, and CSA are subject to the Uniform Net Capital
Rule (Rule 15c3-1) promulgated by the SEC. The Uniform Net Capital Rule is
designed to measure the general financial integrity and liquidity of a
broker-dealer and the minimum net capital deemed necessary to meet the broker-dealer's
continuing commitments to its customers and other broker-dealers. Broker-dealers
may be prohibited from expanding their business and declaring cash dividends. A
broker-dealer that fails to comply with the Uniform Net Capital Rule may be
subject to disciplinary actions by the SEC and SROs, such as FINRA, including
censures, fines, suspension, or expulsion. Stifel Nicolaus and Butler Wick have
chosen to calculate their net capital under the alternative method which
prescribes that their net capital shall not be less than the greater of $1.0
million and two hundred and fifty thousand dollars, respectively, or two
percent of aggregate debit balances (primarily receivables from customers and
broker-dealers) computed in accordance with the SEC's Customer Protection Rule
(Rule 15c3-3). CSA calculates its net capital under the aggregate indebtedness
method whereby its aggregate indebtedness may not be greater than fifteen times
its net capital (as defined). Both methods allow broker-dealers to increase
their commitments to customers only to the extent their net capital is deemed
adequate to support an increase. Our international subsidiary, SN Ltd, is
subject to the regulatory supervision and requirements of the Financial
Services
Authority (&quot;FSA&quot;) in the United Kingdom. See the
section entitled &quot;Liquidity and Capital Resources&quot; of Item 7 of this report
regarding our minimum net capital requirements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our company, as a bank and
financial holding company, and Stifel Bank are subject to various regulatory
capital requirements administered by state and federal banking authorities.
Failure to meet minimum capital requirements can initiate certain mandatory and
possibly additional discretionary, actions by regulators that, if undertaken,
could have a direct material effect on our company's and Stifel Bank's
financial statements. Under capital adequacy guidelines and the regulatory
framework for prompt corrective action, our company and Stifel Bank must meet
specific capital guidelines that involve quantitative measures of assets,
liabilities, and certain off-balance-sheet items as calculated under regulatory
accounting practices. Our company's and Stifel Bank's capital amounts and
classification are also subject to qualitative judgments by the regulators
about components, risk weightings, and other factors. Quantitative measures
established by regulation to ensure capital adequacy require our company and
Stifel Bank to maintain minimum amounts and ratios of total and Tier 1 capital
(as defined in the regulations) to risk-weighted assets (as defined), and Tier
1 capital (as defined) to average assets (as defined).</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The statistical
disclosures required to be made by a bank holding company are included in Item
7, &quot;Management's Discussion and Analysis of Financial Condition and Results of
Operations&quot; of this report.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As a public company whose common stock is listed on
the New York Stock Exchange (&quot;NYSE&quot;) and the Chicago Stock Exchange (&quot;CHX&quot;), we
are subject to corporate governance requirements established by the SEC, NYSE, and
CHX, as well as federal and state law. Under the Sarbanes-Oxley Act of 2002
(the &quot;Act&quot;), we are required to meet certain requirements regarding business
dealings with members of the Board of Directors, the structure of our Audit
Committee, ethical standards for our senior financial officers, implementation
of an internal control structure and procedures for financial reporting, and
additional responsibilities regarding financial statements for our Chief
Executive Officer and Chief Financial Officer and their assessment of our
internal controls over financial reporting. Compliance with all aspects of the
Act, particularly the provisions related to management's assessment of internal
controls, has imposed additional costs on our company reflecting internal staff
and management time, as well as additional audit fees since the Act went into
effect.</p>

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<p class=MsoHeading8 align=center style='text-align:center'><b>EXECUTIVE
OFFICERS OF THE REGISTRANT</b></p>



<div align=center>

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='border-collapse:collapse;border:none'>
 <tr>
  <td width=217 valign=bottom style='width:162.55pt;border:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Name</b></p>
  </td>
  <td width=59 valign=bottom style='width:44.55pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Age</b></p>
  </td>
  <td width=401 valign=bottom style='width:300.5pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Positions or Offices
  with the <br>
  Company and Stifel Nicolaus</b></p>
  </td>
 </tr>
 <tr>
  <td width=217 valign=top style='width:162.55pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>Ronald J. Kruszewski</p>
  </td>
  <td width=59 valign=top style='width:44.55pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>50</p>
  </td>
  <td width=401 valign=top style='width:300.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Chairman of the Board
  of Directors, President, and Chief Executive Officer of the Company and
  Chairman of the Board of Directors and Chief Executive Officer of Stifel
  Nicolaus</p>
  </td>
 </tr>
 <tr>
  <td width=217 valign=top style='width:162.55pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>Scott B. McCuaig</p>
  </td>
  <td width=59 valign=top style='width:44.55pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>59</p>
  </td>
  <td width=401 valign=top style='width:300.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Senior Vice President
  and Director of the Company and President, Co-Chief Operating Officer, and
  Director of Stifel Nicolaus</p>
  </td>
 </tr>
 <tr>
  <td width=217 valign=top style='width:162.55pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>James M. Zemlyak</p>
  </td>
  <td width=59 valign=top style='width:44.55pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>49</p>
  </td>
  <td width=401 valign=top style='width:300.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Senior Vice President,
  Chief Financial Officer,<br>
  and Treasurer of the Company and Executive Vice President, Co-Chief Operating Officer,
  and Director of Stifel Nicolaus</p>
  </td>
 </tr>
 <tr>
  <td width=217 valign=top style='width:162.55pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>Richard J. Himelfarb</p>
  </td>
  <td width=59 valign=top style='width:44.55pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>67</p>
  </td>
  <td width=401 valign=top style='width:300.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Senior Vice President
  and Director of the Company
  and Executive Vice President, Director of Investment Banking, and Director of Stifel
  Nicolaus</p>
  </td>
 </tr>
 <tr>
  <td width=217 valign=top style='width:162.55pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>David M. Minnick</p>
  </td>
  <td width=59 valign=top style='width:44.55pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>52</p>
  </td>
  <td width=401 valign=top style='width:300.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Senior Vice President
  and General Counsel of the Company and Stifel Nicolaus</p>
  </td>
 </tr>
 <tr>
  <td width=217 valign=top style='width:162.55pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>Thomas P. Mulroy</p>
  </td>
  <td width=59 valign=top style='width:44.55pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>47</p>
  </td>
  <td width=401 valign=top style='width:300.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Senior Vice President
  and Director of the Company
  and Executive Vice President, Director of Equity Capital Markets, and Director of
  Stifel Nicolaus</p>
  </td>
 </tr>
 <tr>
  <td width=217 valign=top style='width:162.55pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>Ben A. Plotkin</p>
  </td>
  <td width=59 valign=top style='width:44.55pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>53</p>
  </td>
  <td width=401 valign=top style='width:300.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Vice-Chairman, Senior
  Vice President, and Director of the Company and Executive Vice President of Stifel
  Nicolaus</p>
  </td>
 </tr>
 <tr>
  <td width=217 valign=top style='width:162.55pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>David D. Sliney</p>
  </td>
  <td width=59 valign=top style='width:44.55pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>39</p>
  </td>
  <td width=401 valign=top style='width:300.5pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Senior Vice President
  of the Company and Senior Vice President and Director of Stifel Nicolaus</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>&nbsp;</p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>
<b><i>Ronald J. Kruszewski</i></b> has been President and
Chief Executive Officer of our company and Stifel Nicolaus since September 1997
and Chairman of the Board of Directors of our company and Stifel Nicolaus since
April 2001. Prior thereto, Mr. Kruszewski served as Managing Director and Chief
Financial Officer of Baird Financial Corporation and Managing Director of
Robert W. Baird &amp; Co. Incorporated, a securities broker-dealer firm, from
1993 to September 1997. Mr. Kruszewski has been a Director since September
1997.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><b><i>Scott B. McCuaig</i></b> has been Senior Vice
President and President of the Private Client Group and Stifel Nicolaus and Director
of Stifel Nicolaus since January 1998 and President and Co-Chief Operating
Officer of Stifel Nicolaus since August 2002. Prior thereto, Mr. McCuaig served
as Managing Director, head of marketing, and regional sales manager of Robert
W. Baird &amp; Co. Incorporated from June 1988 to January 1998. Mr. McCuaig has
been a Director since April 2001.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><b><i>James M. Zemlyak</i></b> joined Stifel Nicolaus
in February 1999. Mr. Zemlyak has been our Senior Vice President, Chief
Financial Officer, and Treasurer and a member of the Board of Directors of
Stifel Nicolaus since February 1999, Co-Chief Operating Officer of Stifel
Nicolaus since August 2002, and Executive Vice President of Stifel Nicolaus
since December 1, 2005. Mr. Zemlyak also served as Chief Financial Officer of Stifel
Nicolaus from February 1999 to October 2006. Prior to joining our company, Mr.
Zemlyak served as Managing Director and Chief Financial Officer of Baird
Financial Corporation from 1997 to 1999 and Senior Vice President and Chief
Financial Officer of Robert W. Baird &amp; Co. Incorporated from 1994 to 1999.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><b><i>Richard J. Himelfarb</i></b><i> </i>has served as Senior
Vice President and Director of our company and Executive Vice President, Director of
Investment Banking, and Director of Stifel Nicolaus since December 2005. He is
responsible for supervising our corporate finance investment banking
activities. Prior to joining our company, Mr. Himelfarb served as a director of
Legg Mason, Inc. from November 1983 and Legg Mason Wood Walker, Inc. from
January 2005. Mr. Himelfarb was elected Executive Vice President of Legg Mason
and Legg Mason Wood Walker, Inc. in July 1995, having previously served as
Senior Vice President from November 1983. </p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>
<b><i>David M. Minnick</i></b> has served as Senior
Vice President and General Counsel of our company and Stifel Nicolaus since
October 2004. Prior thereto, Mr. Minnick served as Vice President and Counsel
for A.G. Edwards &amp; Sons, Inc. from August 2002 through October 2004, Senior
Regional Attorney for NASD Regulation, Inc. from November 2000 through July 2002,
as an attorney in private law practice from September 1998 through November
2000, and as General Counsel and Managing Director of Morgan Keegan &amp;
Company, Inc. from October 1990 through August 1998.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><b><i>Thomas P. Mulroy</i></b> has served as Senior
Vice President and Director of our company and Executive Vice President, Director of
Equity Capital Markets, and Director of Stifel Nicolaus since December 2005.
Mr. Mulroy has responsibility for institutional equity sales, trading, and
research. Prior to joining our company, Mr. Mulroy was elected Executive Vice
President of Legg Mason, Inc. in July 2002 and of Legg Mason Wood Walker, Inc.
in November 2000. Mr. Mulroy became a Senior Vice President of Legg Mason, Inc.
in July 2000 and Legg Mason Wood Walker, Inc. in August 1998. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><b><i>Ben A. Plotkin</i></b> has been a Vice-Chairman,
Senior Vice President and Director of our company since August 2007 and an
Executive Vice President of Stifel Nicolaus since February, 2007. Mr. Plotkin
also served as Chairman and Chief Executive Officer of Ryan Beck &amp; Company,
Inc., from 1997 until its acquisition by our company in 2007. Mr. Plotkin was
elected Executive Vice President of Ryan Beck in 1990. Mr. Plotkin became a
Senior Vice President of Ryan Beck in 1989, and was appointed First Vice President
of Ryan Beck in December of 1987. Mr. Plotkin joined Ryan Beck in May of 1987
as a Director and Vice President in the Investment Banking Division.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><b><i>David D. Sliney</i></b> has been a Senior Vice
President of since May 2003. In 1997, Mr. Sliney began a Strategic Planning and
Finance role with Stifel Nicolaus and has served as a Director of Stifel
Nicolaus since May 2003. Mr. Sliney is also responsible for our company's
Operations and Technology departments. Mr. Sliney joined Stifel Nicolaus in
1992, and between 1992 and 1995, Mr. Sliney worked as a fixed income trader and
later assumed responsibility for the firm's Equity Syndicate Department.</p>

<p class=MsoHeading9 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>AVAILABLE
INFORMATION</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our internet address is www.stifel.com. We make available, free
of charge, through a link to the SEC web site, annual reports on Form 10-K, quarterly
reports on Form 10-Q, current reports on Form 8-K and amendments to reports
filed or furnished pursuant to Sections 13(a) and 15(d) of the Securities
Exchange Act of 1934, as amended, as well as proxy statements, as soon as
reasonably practicable after we electronically file such material with, or
furnish it to, the SEC.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, we make
available on our web site under &quot;Investor Relations - Corporate Governance,&quot; and
in print upon request of any shareholder to our Chief Financial Officer, a
number of our corporate governance documents. These include: Executive
Committee charter, Audit Committee charter, Compensation Committee charter,
Nominating/Corporate Governance Committee charter, Corporate Governance
Guidelines, Complaint Reporting Process, and the Code of Ethics for Employees. Within
the time period required by the SEC and the NYSE, we will post on our web site
any modifications to any of the available documents. The information on our
website is not incorporated by reference into this report.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our Chief Financial
Officer can be contacted at Stifel Financial Corp., One Financial Plaza, 501 N.
Broadway, St. Louis, MO 63102, telephone: (314) 342-2000.</p>

<p class=MsoFooter align=center style='text-align:center'>12</p>

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style='page-break-before:always'>






</p>





<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>
<a name="ITEM_1A.">ITEM 1A.</a> &nbsp;RISK
FACTORS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our
operations and financial results are subject to various risks and
uncertainties, including those described below, that could adversely affect our
business, financial condition, results of operations, cash flows and the
trading price of our common stock. We may amend or supplement these risk
factors from time to time in other reports we file with the SEC.</h3>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our results of
operations may be adversely affected by conditions in the global financial markets
and economic downturn.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our results of operations
are materially affected by conditions in the financial markets and economic
conditions generally, both in the United States and elsewhere around the world.
Dramatic declines in the U.S. housing market over the past year, together with
increasing foreclosures and unemployment, have resulted in significant
write-downs of asset values by financial institutions, including
government-sponsored entities, as well as major commercial and investment
banks. These write-downs, which were initially associated with mortgaged-backed
securities but which have substantially spread to credit default swaps and
other derivative securities, in turn have caused many financial institutions to
seek additional capital, to merge with larger and stronger institutions and, in
some cases, to fail. Reflecting concern about the stability of the financial
markets generally and the strength of counterparties, many lenders and
institutional investors have ceased to provide funding to even the most
credit-worthy borrowers. This market turmoil and tightening of credit have led
to an increased level of commercial and consumer delinquencies, lack of
consumer confidence, increased market volatility and widespread reduction of
business activity generally. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The resulting economic
pressures on consumers and businesses and lack of confidence in the financial
markets have adversely affected our business, financial condition and results
of operations. We do not expect that the difficult conditions in the financial
markets are likely to improve in the near future. A worsening of these
conditions would likely exacerbate the adverse effects of these difficult
market conditions on us and others in the financial services industry. It is
difficult to predict how long the current economic conditions will continue and
which of our businesses, industry areas, products or services will continue to
be adversely affected. We may have impairment losses if events or changes in
circumstances occur which may reduce the fair value of an asset below its
carrying amount. As a result, these conditions could adversely affect our
financial condition and results of operations. In addition, we may be subject
to increased regulatory scrutiny and litigation due to these issues and events.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A significant portion of
our revenue is derived from commissions, margin interest revenue, principal
transactions, asset management and service fees, and investment banking fees. Accordingly,
severe market fluctuations, weak economic conditions, a decline in stock
prices, trading volumes, or liquidity could have an adverse affect on our
profitability. Continued
or further credit dislocations or sustained market downturns may result in a
decrease in the volume of trades we execute for our clients, a decline in the
value of securities we hold in inventory as assets, and reduced investment
banking revenues. Poor economic conditions have adversely affected investor and
CEO confidence, resulting in significant industry-wide declines in the size and
number of underwritings and advisory transactions, which could continue to have
an adverse effect on our revenues.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The fixed-income markets
are experiencing a period of extreme volatility which has negatively impacted
market liquidity conditions. As a result, fixed income instruments are
experiencing liquidity issues, increased price volatility, credit downgrades,
and increased likelihood of default. In addition to being hard to dispose of,
securities that are less liquid are also more difficult to value. Domestic and
international equity markets have also been experiencing heightened volatility
and turmoil, and as a result issuers that have exposure to the real estate,
mortgage and credit markets, including banks and broker-dealers, have been particularly
affected. These events and the continuing market upheavals may have an adverse
effect on us. In the event of a sustained market downturn, our results of
operations could be adversely affected by those factors in many ways. Our
revenues are likely to decline in such circumstances and, if we were unable to
reduce expenses at the same pace, our profit margins would erode. Even in the
absence of a sustained market downturn, we are exposed to substantial risk of
loss due to market volatility.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, declines in
the market value of securities generally result in a decline in revenues from
fees based on the asset values of client portfolios, in the failure of buyers
and sellers of securities to fulfill their settlement obligations, and in the
failure of our clients to fulfill their credit and settlement obligations.
During market downturns, our counterparties may be less likely to complete
transactions. Also, we permit our clients to purchase securities on margin.
During periods of steep declines in securities prices, the value of the
collateral securing client accounts margin purchases may drop below the amount
of the purchaser's indebtedness. If the clients are unable to provide
additional collateral for these loans, we may lose money on these margin
transactions. This may cause us to incur additional expenses defending or
pursuing claims or litigation related to counterparty or client defaults.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, in certain
of the transactions we are required to post collateral to secure our
obligations to the counterparties. In the event of a bankruptcy or insolvency
proceeding involving one or such counterparties, we may experience delays in
recovering our assets posted as collateral or may incur a loss to the extent
the counterparty was holding collateral in excess of our obligation to such
counterparty. There is no assurance that any such losses would not materially
and adversely affect our business, financial condition and results of
operations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Recent government
actions to stabilize credit markets and financial institutions may not be
effective and could adversely affect our competitive position.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The U.S. Government
recently enacted legislation and created several programs to help stabilize
credit markets and financial institutions and restore liquidity, including the
Emergency Economic Stabilization Act of 2008, the Federal Reserve's Commercial
Paper Funding Facility and Money Market Investor Funding Facility and the
Federal Deposit Insurance Corporation (&quot;FDIC&quot;) Temporary Liquidity Guarantee
Program. Additionally, the governments of many nations have announced similar
measures for institutions in their respective countries. There is no assurance
that these programs individually or collectively will have beneficial effects
in the credit markets, will address credit or liquidity issues of companies
that participate in the programs or will reduce volatility or uncertainty in
the financial markets. The failure of these programs to have their intended
effects could have a material adverse effect on the financial markets, which in
turn could materially and adversely affect our business, financial condition
and results of operation.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Lack of sufficient
liquidity or access to capital could impair our business and financial
condition.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Liquidity is essential
to our business. If we have insufficient liquid assets, we will be forced to
curtail our operations, and our business will suffer. Our assets, consisting
mainly of cash or assets readily convertible into cash, are our principle
source of liquidity. These assets are financed primarily by our equity capital,
debentures to trusts, client credit balances, short-term bank loans, proceeds
from securities lending, and other payables. We currently finance our client
accounts and firm trading positions through ordinary course borrowings at
floating interest rates from various banks on a demand basis and securities
lending, with company-owned and client securities pledged as collateral.
Changes in securities market volumes, related client borrowing demands,
underwriting activity, and levels of securities inventory affect the amount of
our financing requirements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The capital and credit
markets have been experiencing volatility and disruption since early 2008, and
reached unprecedented levels since the fall of 2008. In some cases, the markets
have produced downward pressure on stock prices and credit availability for
certain issuers without regard to those issuers' underlying financial strength.
If current levels of market disruption and volatility continue or worsen, there
can be no assurance that we will not experience an adverse effect, which may be
material to our business, financial condition and results of operations and
affect our ability to access capital.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our liquidity requirements may change in the
event we need to raise more funds than anticipated to increase inventory
positions, support more rapid expansion, develop new or enhanced services and
products, acquire technologies, or respond to other unanticipated liquidity
requirements. We rely exclusively on financing activities and distributions
from our subsidiaries for funds to implement our business and growth
strategies, and repurchase our shares. Net capital rules, restrictions under
our long-term debt, or the borrowing arrangements of our subsidiaries, as well
as the earnings, financial condition, and cash requirements of our
subsidiaries, may each limit distributions to us from our subsidiaries.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the event existing
internal and external financial resources do not satisfy our needs, we may have
to seek additional outside financing. The availability of outside financing
will depend on a variety of factors, such as market conditions, the general
availability of credit, the volume of trading activities, the overall
availability of credit to the financial services industry, credit ratings, and
credit capacity, as well as the possibility that lenders could develop a
negative perception of our long-term or short-term financial prospects if we
incurred large trading losses or if the level of our business activity
decreased due to a market downturn or otherwise. We currently do not have a
credit rating, which could adversely affect our liquidity and competitive
position by increasing our borrowing costs and limiting access to sources of
liquidity that require a credit rating as a condition to providing funds.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Current trends in the
global financial markets could cause significant fluctuations in our stock
price.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stock markets in
general, and stock prices of financial services firms in particular, including
us, have in recent years, and particularly in recent months, experienced
significant price and volume fluctuations. The market price of our common stock
may continue to be subject to similar market fluctuations which may be
unrelated to our operating performance or prospects, and increased volatility
could result in an overall decline in the market price of our common stock.
Factors that could significantly impact the volatility of our stock price
include: </p>

<ul style='margin-top:0in' type=disc>
 <li class=MsoNormal style='margin-top:6.0pt;text-align:justify;punctuation-wrap:
     simple;text-autospace:none;vertical-align:baseline'>developments in our
     business or in the financial sector generally, including the effect of
     direct governmental action in the financial markets generally and with
     respect to financial institutions in particular;</li>
 <li class=MsoNormal style='text-align:justify;punctuation-wrap:simple;
     text-autospace:none;vertical-align:baseline'>regulatory changes affecting our
     operations;</li>
 <li class=MsoNormal style='text-align:justify;punctuation-wrap:simple;
     text-autospace:none;vertical-align:baseline'>the operating and securities price
     performance of companies that investors consider to be comparable to us;</li>
 <li class=MsoNormal style='text-align:justify;punctuation-wrap:simple;
     text-autospace:none;vertical-align:baseline'>announcements of strategic developments,
     acquisitions and other material events by us or our competitors; and</li>
 <li class=MsoNormal style='margin-top:6.0pt;text-align:justify;punctuation-wrap:
     simple;text-autospace:none;vertical-align:baseline'>changes in global
	financial markets and global economies and general market conditions, such
	as interest or foreign exchange rates, stock, commodity or asset valuations
	or volatility</li>
</ul>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Significant declines in
the market price of our common stock or failure of the market price to increase
could harm our ability to recruit and retain key employees, including our executives
and financial advisors and other key professional employees and those who have
joined us from companies we have acquired, reduce our access to debt or equity
capital and otherwise harm our business or financial condition. In addition, we
may not be able to use our stock effectively in connection with future
acquisitions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We face intense
competition in our industry.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>All aspects of our
business and of the financial services industry in general are intensely
competitive. We expect competition to continue and intensify in the future. Our
business will suffer if we do not compete successfully. We compete on the basis
of a number of factors, including the quality of our financial advisors and
associates, the quality and selection of our investment products and services,
pricing (such as execution pricing and fee levels), and reputation. Because of
recent market unrest and increased government intervention, the financial
services industry has recently undergone significant consolidation, which has
further concentrated equity capital and other financial resources in the
industry and further increased competition. Many of our competitors use their
significantly greater financial capital and scope of operations to offer their
customers more products and services, broader research capabilities, access to
international markets, and other products and services not currently offered by
us.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We compete directly with
national full-service broker-dealers, investment banking firms, and commercial
banks and, to a lesser extent, with discount brokers and dealers and investment
advisors. In addition, we face competition from new entrants into the market
and increased use of alternative sales channels by other firms. Domestic
commercial banks and investment banking boutique firms have entered the
broker-dealer business, and large international banks have begun serving our
markets as well. Legislative and regulatory initiatives intended to ease
restrictions on the sale of securities and underwriting activities by
commercial banks have increased competition. We also compete indirectly for
investment assets with insurance companies, real estate firms, hedge funds and
others. This increased competition could cause our business to suffer.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The industry of
electronic and/or discount brokerage services is continuing to develop.
Increased competition from firms using new technology to deliver these products
and services may materially and adversely affect our operating results and
financial position. Competitors offering internet-based or other electronic
brokerage services may have lower costs and offer their customers more
attractive pricing and more convenient services than we do. In addition, we
anticipate additional competition from underwriters who conduct offerings of
securities through electronic distribution channels, bypassing financial intermediaries
such as us altogether. These and other competitive pressures may have an adverse
affect on our competitive position and, as a result, our operations, financial
condition and liquidity.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Regulatory and legal
developments could adversely affect our business and financial condition.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The financial services industry
is subject to extensive regulation and broker-dealers and investment advisors
are subject to regulations covering all aspects of the securities business. We
could be subject to civil liability, criminal liability, or sanctions,
including revocation of our subsidiaries' registrations as investment advisors
or broker-dealers, revocation of the licenses of our financial advisors,
censures, fines, or a temporary suspension or permanent bar from conducting
business, if we violate such laws or regulations. Any such liability or
sanction could have a material adverse effect on our business, financial
condition and prospects. Moreover, our independent contractor subsidiaries, CSA
and SN Ltd give rise to a potentially higher risk of noncompliance because of
the nature of the independent contractor relationships involved.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our banking operations
also expose us to a risk of loss resulting from failure to comply with banking
laws. In light of current conditions in the U.S. financial markets and the
economy, regulators have increased their focus on the regulation of the
financial services industry, including introducing proposals for new
legislation. We are unable to predict whether any of these proposals will be
implemented and in what form, or whether any additional or similar changes to
statutes or regulations, including the interpretation or implementation
thereof, will occur in the future. Any such action could affect us in
substantial and unpredictable ways and could have an adverse effect on our
business, financial condition and results of operations. We also may be
adversely affected as a result of changes in federal, state or foreign tax
laws, or by changes in the interpretation or enforcement of existing laws and
regulations. See the section entitled &quot;Business - Regulation&quot; of Item 1 of this
report for additional information regarding our regulatory environment and Item
7A, &quot;Quantitative and Qualitative Disclosures About Market Risk&quot; in this report
regarding our approach to managing regulatory risk.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In turbulent economic
times such as these, the volume of claims and amount of damages sought in
litigation and regulatory proceedings against financial institutions have
historically increased. These risks include potential liability under
securities and other laws for alleged materially false or misleading statements
made in connection with securities offerings and other transactions, issues
related to the suitability of our investment advice based on our clients'
investment objectives, and potential
liability for other advice we provide to participants in strategic
transactions. Legal actions brought against us may result in judgments,
settlements, fines, penalties or other results, any of which could materially
adversely affect our business, financial condition or results of operations, or
cause us serious reputational harm.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>&nbsp;</p>

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<p><b><i>Regulatory and legal developments related to auction rate
securities (&quot;ARS&quot;) could adversely affect our business.</i></b><br clear=all
style='page-break-before:always'>






</p>



<p class=MsoNormalIndent style='margin-top:6.0pt;margin-right:0in;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.25in'>Since February 2008, the
auctions through which most ARS are sold and interest rates are determined have
failed, resulting in the lack of liquidity for these securities. We, like other
firms in the financial services industry, have received inquiries from the SEC,
FINRA and several state regulatory authorities requesting information
concerning our transactions in ARS for our clients. We have also been named in
a civil class action lawsuit relating to the sale of ARS. While we are working with
other industry participants in order to resolve issues relating to ARS and are
exploring a range of potential solutions, we anticipate that the regulatory
authorities will conduct further review and inquiry on these matters. If we
were to determine, in order to resolve pending claims, inquiries or
investigations, to repurchase at par value ARS from certain of our clients, we
would be required to assess whether we have sufficient regulatory capital and
cash or borrowing capacity to do so, and there can be no assurance that we
would have such capacity.
In addition, while we believe we have made adequate provision for loss related
to the buyback of ARS held by retail clients, additional losses may be incurred
related to the resolution of all pending claims, inquiries or investigations
which would adversely affect our results of operations and financial position. See Item 3, &quot;Legal Proceedings,&quot; of
this report for a discussion of our legal matters (including ARS) and Item 7A,
&quot;Quantitative and Qualitative Disclosures About Market Risk&quot; in this report
regarding our approach to managing legal risk.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Failure to comply with regulatory
capital requirements would significantly harm our business.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The SEC requires
broker-dealers to maintain adequate regulatory capital in relation to their
liabilities and the size of their customer business. These rules require Stifel
Nicolaus, Butler Wick and CSA, our broker-dealer subsidiaries to maintain a
substantial portion of their assets in cash or highly liquid investments.
Failure to maintain the required net capital may subject our broker-dealer
subsidiaries to limitations on their activities, or in extreme cases, suspension
or revocation of their registration by the SEC and suspension or expulsion by FINRA and other regulatory
bodies, and, ultimately, liquidation. Our international subsidiary, SN Ltd, is
subject to similar limitations under applicable laws in the United Kingdom. Failure to comply with the net capital rules could have material and adverse
consequences, such as:</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
limiting
our operations that require intensive use of capital, such as underwriting or
trading activities; or</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
restricting
us from withdrawing capital from our subsidiaries, even where our broker-dealer
subsidiaries have more than the minimum amount of required capital. This, in
turn, could limit our ability to implement our business and growth strategies,
pay interest on and repay the principal of our debt and/or repurchase our
shares.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, a change in
the net capital rules or the imposition of new rules affecting the scope,
coverage, calculation, or amount of net capital requirements, or a significant
operating loss or any large charge against net capital, could have similar
adverse effects. In addition, as a bank holding company, we and our bank
subsidiary are subject to various regulatory requirements administered by the
federal banking agencies, including capital adequacy requirements pursuant to
which we and our bank subsidiary must meet specific capital guidelines that
involve quantitative measures of assets, liabilities, and certain off-balance
sheet items as calculated under regulatory accounting practices. See the section entitled
&quot;Business - Regulation&quot; of Item 1 of this report for additional information
regarding our regulatory environment.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We have experienced
significant pricing pressure in areas of our business, which may impair our
revenues and profitability.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In recent years, our
business has experienced significant pricing pressures on trading margins and
commissions in debt and equity trading. In the fixed income market, regulatory
requirements have resulted in greater price transparency, leading to increased
price competition and decreased trading margins. In the equity market, we have
experienced increased pricing pressure from institutional clients to reduce
commissions, and this pressure has been augmented by the increased use of
electronic and direct market access trading, which has created additional
competitive downward pressure on trading margins. The trend towards using
alternative trading systems is continuing to grow, which may result in decreased
commission and trading revenue, reduce our participation in the trading markets
and our ability to access market information, and lead to the creation of new
and stronger competitors. Institutional clients also have pressured financial
services firms to alter &quot;soft dollar&quot; practices under which brokerage firms
bundle the cost of trade execution with research products and services. Some
institutions are entering into arrangements that separate (or &quot;unbundle&quot;)
payments for research products or services from sales commissions. These
arrangements have increased the competitive pressures on sales commissions and
have affected the value our clients place on high-quality research. Additional
pressure on sales and trading revenue may impair the profitability of our
business. Moreover, our inability to reach agreement regarding the terms of
unbundling arrangements with institutional clients who are actively seeking
such arrangements could result in the loss of those clients, which would likely
reduce our institutional commissions. We believe that price competition and
pricing pressures in these and other areas will continue as institutional
investors continue to reduce the amounts they are willing to pay, including by
reducing the number of brokerage firms they use, and some of our competitors
seek to obtain market share by reducing fees, commissions or margins.</p>

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</p>






<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our underwriting and
market-making activities place our capital at risk.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We may incur losses and
be subject to reputational harm to the extent that, for any reason, we are
unable to sell securities we purchased as an underwriter at the anticipated
price levels. As an underwriter, we also are subject to heightened standards
regarding liability for material misstatements or omissions in prospectuses and
other offering documents relating to offerings we underwrite. As a market
maker, we may own large positions in specific securities, and these
undiversified holdings concentrate the risk of market fluctuations and may
result in greater losses than would be the case if our holdings were more
diversified.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our ability to attract,
develop and retain highly skilled and productive employees is critical to the
success of our business.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our people are our most
valuable asset. Our ability to develop and retain our client base and to obtain
investment banking and advisory engagements depends upon the reputation,
judgment, business generation capabilities and project execution skills of
highly skilled and often highly specialized employees, including our executive
officers. The unexpected loss of services of any of these key employees and
executive officers, or the inability to recruit and retain highly qualified
personnel in the future, could have an adverse effect on our business and
results of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Financial advisors typically
take their clients with them when they leave us to work for a competitor. From
time to time, in addition to financial advisors, we have lost equity research,
investment banking, public finance, institutional sales and trading
professionals, and in some cases, clients, to our competitors.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Competition for
personnel within the financial services industry is intense. The cost of
retaining skilled professionals in the financial services industry has
escalated considerably, as competition for these professionals has intensified.
Employers in the industry are increasingly offering guaranteed contracts,
upfront payments, and increased compensation. These can be important factors in
a current employee's decision to leave us as well as a prospective employee's
decision to join us. As competition for skilled professionals in the industry
increases, we may have to devote more significant resources to attracting and
retaining qualified personnel. In particular, our financial results may be
adversely affected by the amortization costs incurred by us in connection with
the upfront loans we offer to financial advisors.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Moreover, companies in
our industry whose employees accept positions with competitors frequently claim
that those competitors have engaged in unfair hiring practices. We are
currently subject to several such claims and may be subject to additional
claims in the future as we seek to hire qualified personnel, some of whom may
currently be working for our competitors. Some of these claims may result in material
litigation. We could incur substantial costs in defending ourselves against
these claims, regardless of their merits. Such claims could also discourage
potential employees who currently work for our competitors from joining us.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We may recruit financial
advisors, make strategic acquisitions of businesses, engage in joint ventures
or divest or exit existing businesses, which could cause us to incur unforeseen
expenses and have disruptive effects on our business and may strain our
resources.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our growth strategies have
included, and will continue to include, the recruitment of financial advisors
and future acquisitions or joint ventures with other businesses. Since December 2005, we
have completed five acquisitions: LM Capital Markets in 2005, the private client business of
MJSK in 2006, Ryan Beck and First Service in 2007, and Butler Wick in 2008.
These acquisitions or any
acquisition or joint venture that we determine to pursue will be accompanied by
a number of risks. The growth of our business and expansion of our client base
has strained, and may continue to strain, our management and administrative
resources. Costs or difficulties relating to such transactions, including
integration of financial advisors, and other employees, products and services, technology
systems, accounting systems and management controls, may be greater than
expected. Unless offset by a growth of revenues, the costs associated with
these investments will reduce our operating margins. In addition, because, as
noted above, financial professionals typically take their clients with them
when they leave, if key employees or other senior management personnel of the
firms we have acquired determine that they do not wish to remain with our
company over the long term or at all, we would not inherit portions of the
client base of those firms, which would reduce the value of those acquisitions
to us.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition to past
growth, we cannot assure investors that we will be able to manage our future
growth successfully. The inability to do so could have a material adverse
effect on our business, financial condition and results of operations. After we
announce or complete any given acquisition or joint venture in the future, our
share price could decline if investors view the transaction as too costly or
unlikely to improve our competitive position. We may be unable to retain key
personnel after any such transaction, and the transaction may impair
relationships with customers and business partners. These difficulties could
disrupt our ongoing business, increase our expenses and adversely affect our
operating results and financial condition. In addition, we may be unable to
achieve anticipated benefits and synergies from any such transaction as fully
as expected or within the expected time frame. Divestitures or elimination of
existing businesses or products could have similar effects.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Moreover, to the extent
we pursue increased expansion to different geographic markets or grow generally
through additional strategic acquisitions, we cannot assure you that we will
identify suitable acquisition candidates, that acquisitions will be completed
on acceptable terms or that we will be able to successfully integrate the
operations of any acquired business into our existing business. Such
acquisitions could be of significant size and involve firms located in regions
of the United States where we do not currently operate, or internationally. To
acquire and integrate a separate organization would further divert management
attention from other business activities. This diversion, together with other
difficulties we may encounter in integrating an acquired business, could have a
material adverse effect on our business, financial condition and results of
operations. In addition, we may need to borrow money to finance acquisitions,
which would increase our leverage. Such funds might not be available on terms
as favorable to us as our current borrowing terms or at all.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our risk management
policies and procedures may leave us exposed to unidentified or unanticipated
risk.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We seek to manage,
monitor and control our operational, legal and regulatory risk through
operational and compliance reporting systems, internal controls, management
review processes and other mechanisms; however, there can be no assurance that
our procedures will be fully effective. Further, our risk management methods
are based on an evaluation of information regarding markets, clients and other
matters that are based on assumptions that may no longer be accurate. In
addition, we have undergone significant growth in recent years. A failure to
adequately manage our growth, or to effectively manage our risk, could
materially and adversely affect our business and financial condition. We must
also address potential conflicts of interest that arise in our business. We
have procedures and controls in place to address conflicts of interest, but
identifying and managing potential conflicts of interest can be complex and
difficult and our reputation could be damaged if we fail, or appear to fail, to
deal appropriately with conflicts of interest.
See Item 7A,
"Quantitative and Qualitative Disclosures About Market Risk" in this report for
more information on how we monitor and manage market and certain other risks

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We continually encounter
technological change, and we may have fewer resources than many of our
competitors to continue to invest in technological improvements, which are
important to attract and retain financial advisors.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:13.5pt'>We rely extensively on
electronic data processing and communications systems. The brokerage and
investment banking industry continues to undergo technological change, with
periodic introductions of new technology-driven products and services. In
addition to better serving our clients, the effective use of technology
increases efficiency and enables our company to reduce costs. Our future
success will depend in part upon our ability to successfully maintain and
upgrade our systems and our ability to address the needs of our clients by
using technology to provide products and services that will satisfy their
demands for convenience, as well as to create additional efficiencies in our
operations. Many of our competitors have substantially greater resources to
invest in technological improvements.&nbsp; We cannot assure you that we will be
able to effectively upgrade our systems, implement new technology-driven
products and services or be successful in marketing these products and services
to our clients.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>&nbsp;</p>

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<p><b><i>Our operations and
infrastructure and those of the service providers upon which we rely may
malfunction or fail.</i></b><br clear=all
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</p>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our business is highly
dependent on our ability to process, on a daily basis, a large number of
transactions across diverse markets, and the transactions we process have
become increasingly complex. The inability of our systems to accommodate an
increasing volume of transactions could also constrain our ability to expand
our businesses. If any of these systems do not operate properly or are
disabled, or if there are other shortcomings or failures in our internal
processes, people or systems, we could suffer impairments, financial loss, a
disruption of our businesses, liability to clients, regulatory intervention or
reputational damage.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have outsourced
certain aspects of our technology infrastructure, including trade processing,
data centers, disaster recovery systems, and wide area networks, as well as
market data servers, which constantly broadcast news, quotes, analytics, and
other important information to the desktop computers of our financial advisors.
We contract with other vendors to produce, batch, and mail our confirmations
and customer reports. We are dependent on our technology providers to manage
and monitor those functions. A disruption of any of the outsourced services
would be out of our control and could negatively impact our business. We have
experienced disruptions on occasion, none of which has been material to our
operations and results. However, there can be no guarantee that future
disruptions with these providers will not occur.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We also face the risk of
operational failure, termination or capacity constraints of any of the clearing
agents, exchanges, clearing houses or other financial intermediaries we use to
facilitate our securities transactions. Any such failure or termination could
adversely affect our ability to effect transactions and to manage our exposure
to risk.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our operations also rely
on the secure processing, storage and transmission of confidential and other
information in our computer systems and networks. Although we take protective
measures and endeavor to modify them as circumstances warrant, our computer
systems, software and networks may be vulnerable to unauthorized access,
computer viruses or other malicious code and other events that could have a
security impact. If one or more of such events occur, this could jeopardize our
or our clients' or counterparties' confidential and other information
processed, stored in and transmitted through our computer systems and networks,
or otherwise cause interruptions or malfunctions in our, our clients', our
counterparties' or third parties' operations which could result in significant
losses or reputational damage. We may be required to expend significant
additional resources to modify our protective measures, to investigate and
remediate vulnerabilities or other exposures or to make required notifications,
and we may be subject to litigation and financial losses that are either not
insured or not fully covered through any insurance maintained by us.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We may suffer losses if
our reputation is harmed.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our ability to attract
and retain customers and employees may be adversely affected to the extent our
reputation is damaged. If we fail to deal with, or appear to fail to deal with,
various issues that may give rise to reputational risk, we could harm our
business prospects. These issues include, but are not limited to, appropriately
dealing with potential conflicts of interest, legal and regulatory
requirements, ethical issues, money-laundering, privacy, record-keeping, sales
and trading practices, and the proper identification of the legal,
reputational, credit, liquidity and market risks inherent in our products.
Failure to appropriately address these issues could also give rise to
additional legal risk to us, which could, in turn, increase the size and number
of claims and damages asserted against us or subject us to regulatory
enforcement actions, fines, and penalties.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our current stockholders
may experience dilution in their holdings if we issue additional shares of
common stock as a result of the Ryan Beck acquisition, or future offerings or
acquisitions where we use our stock.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition to the
shares issued as part of the consideration for the acquisition of Ryan Beck in
2007, we obtained stockholder approval to issue additional shares of our common
stock as payment of contingent earn-outs and to issue equity awards to retain
individuals who were employees of Ryan Beck. Although we may pay all or a part
of any additional earn-out payments in cash at our election, we may issue up to
1,266,500 additional shares of common stock to pay any such amounts that may
become due. See the section entitled &quot;Liquidity and Capital Resources&quot; of Item
7 of this report regarding the issuance of equity related to the acquisition of
Ryan Beck.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As part of our business
strategy, we may continue to seek opportunities for growth through strategic
acquisitions, in which we may consider issuing equity securities as part of the
consideration.&nbsp; Additionally, we may obtain additional capital through the
public or private sale of equity securities. If we sell equity securities, the
value of our common stock could experience dilution. Furthermore, these
securities could have rights, preferences and privileges more favorable than
those of the common stock.</p>

<p class=MsoFooter align=center style='text-align:center'>20</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>If we issue additional
shares of common stock as a result of the approval described above in
connection with the Ryan Beck acquisition, including an election to pay any
earn-out consideration by using shares of our common stock in lieu of cash, or
if we otherwise issue stock in connection with future acquisitions or as a
result of a financing, investors ownership interest in our company will be
diluted.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We are subject to an
increased risk of legal proceedings, which may result in significant losses to
us that we cannot recover. Claimants in these proceedings may be customers,
employees, or regulatory agencies, among others, seeking damages for mistakes,
errors, negligence or acts of fraud by our employees.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Many aspects of our
business subject us to substantial risks of potential liability to customers and
to regulatory enforcement proceedings by state and federal regulators.
Participants in the financial services industry face an increasing amount of
litigation and arbitration proceedings. Dissatisfied clients regularly make
claims against broker-dealers and their brokers for, among others, negligence,
fraud, unauthorized trading, suitability, churning, failure to supervise,
breach of fiduciary duty, employee errors, intentional misconduct, unauthorized
transactions by financial advisors or traders, improper recruiting activity,
and failures in the processing of securities transactions. These types of
claims expose us to the risk of significant loss. Acts of fraud are difficult
to detect and deter, and we cannot assure investors that our risk management procedures
and controls will prevent losses from fraudulent activity. In our role as
underwriter and selling agent, we may be liable if there are material
misstatements or omissions of material information in prospectuses and other
communications regarding underwritten offerings of securities. At any point in
time, the aggregate amount of existing claims against us could be material.
While we do not expect the outcome of any existing claims against us to have a
material adverse impact on our business, financial condition, or results of
operations, we cannot assure you that these types of proceedings will not
materially and adversely affect our company. We do not carry insurance that
would cover payments regarding these liabilities, with the exception of fidelity
coverage with respect to certain fraudulent acts of our employees. In addition,
our by-laws provide for the indemnification of our officers, directors, and
employees to the maximum extent permitted under Delaware law. In the future, we
may be the subject of indemnification assertions under these documents by our
officers, directors or employees who have or may become defendants in
litigation. These claims for indemnification may subject us to substantial
risks of potential liability.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition to the foregoing
financial costs and risks associated with potential liability, the defense of
litigation has increased costs associated with attorneys' fees. The amount of
outside attorneys' fees incurred in connection with the defense of litigation
could be substantial and might materially and adversely affect our results of
operations as such fees occur. Securities class action litigation in particular
is highly complex and can extend for a protracted period of time, thereby
substantially increasing the costs incurred to resolve this litigation.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Misconduct by our
employees or by the employees of our business partners could harm us and is
difficult to detect and prevent.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>There have been a number
of highly publicized cases involving fraud or other misconduct by employees in
the financial services industry in recent years, and we run the risk that
employee misconduct could occur at our company. For example, misconduct could
involve the improper use or disclosure of confidential information, which could
result in regulatory sanctions and serious reputational or financial harm. It
is not always possible to deter misconduct and the precautions we take to
detect and prevent this activity may not be effective in all cases. Our ability
to detect and prevent misconduct by entities with which we do business may be
even more limited. We may suffer reputational harm for any misconduct by our
employees or those entities with which we do business.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>&nbsp;</p>

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<p><b><i>Provisions in our certificate of incorporation and
bylaws and of Delaware law may prevent or delay an acquisition of our company,
which could decrease the market value of our common stock. </i></b></p>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our
articles of incorporation and bylaws and Delaware law contain provisions that are intended to deter abusive takeover tactics by
making them unacceptably expensive to prospective acquirors and to encourage
prospective acquirors to negotiate with our board of directors rather than to
attempt a hostile takeover. Delaware law also imposes some restrictions on
mergers and other business combinations between us and any holder of 15% or
more of our outstanding common stock. We believe these provisions protect our
stockholders from coercive or otherwise unfair takeover tactics by requiring
potential acquirors to negotiate with our board of directors and by providing
our board of directors with more time to assess any acquisition proposal. These
provisions are not intended to make our company immune from takeovers. However,
these provisions apply even if the offer may be considered beneficial by some
stockholders and could delay or prevent an acquisition that our board of
directors determines is not in the best interests of our company and our
stockholders.</p>

<p class=MsoFooter align=center style='text-align:center'>22</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>
<a name="ITEM_1B.">ITEM 1B.</a> &nbsp;UNRESOLVED
STAFF COMMENTS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>None.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>
<a name="ITEM_2.">ITEM 2.</a>&nbsp; PROPERTIES</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table sets
forth the location, approximate square footage and use of each of the principal
properties used by our company during fiscal 2008. We lease or sublease all of
these properties with the exception of the Stifel Bank branch, where we own the
building and lease the land. All properties are leased under operating leases.
Such leases expire at various times through 2019, with the exception of the
land lease, which with the exercise of an existing option expires in 2014. The
annual base rent expense (including operating expenses, property taxes and
assessments, as applicable) for all facilities is currently approximately $34.4
million and is subject to annual adjustments as well as changes in interest
rates.</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:684px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:220px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><br>
  <b>Location</b></p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td width=108 valign=top style='width:80.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Approximate Square Footage</b></p>
  </td>
  <td width=26 valign=top style='width:19.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:266px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><br>
  <b>Use</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-right:.55in;text-indent:0in'>One Financial Plaza<br>
	501 North Broadway<br>
	St. Louis, Missouri 63102</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td width=108 valign=top style='width:80.75pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=center style='margin-left:17.7pt;text-align:center;
  text-indent:0in'>127,000</p>
  </td>
  <td width=26 valign=top style='width:19.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:266px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Headquarters
  and administrative offices Stifel Nicolaus and CSA (Private Client Group)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td width=108 valign=top style='width:80.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=26 valign=top style='width:19.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:266px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>One
    South Street<br>
	Baltimore, Maryland 21202</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td width=108 valign=top style='width:80.75pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'>
  <p class=Notes align=center style='margin-left:17.7pt;text-align:center;
  text-indent:0in'>76,000</p>
  </td>
  <td width=26 valign=top style='width:19.45pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'>

  </td>
  <td valign=top style='width:266px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Administrative
  offices, Private Client Group, Equity Capital Markets, and Fixed Income
  Capital Markets operations</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td width=108 valign=top style='width:80.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=26 valign=top style='width:19.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:266px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-right:.05in;text-indent:0in'>18 Columbia Turnpike<br>
	Florham Park, New Jersey 07932</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td width=108 valign=top style='width:80.75pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=Notes align=center style='margin-left:17.7pt;text-align:center;
  text-indent:0in'>50,000</p>
  </td>
  <td width=26 valign=top style='width:19.45pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:266px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Private
  Client Group and Equity Capital Markets operations</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td width=108 valign=top style='width:80.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=26 valign=top style='width:19.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:266px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>&nbsp;</p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We also maintain
operations in 224 branch offices in various locations throughout the United States and in certain foreign countries, primarily for our broker-dealer business.
Our Private Client Group segment leases 196 offices which are primarily
concentrated in the Midwest and Mid-Atlantic regions with a growing presence in
the Northeast, Southeast and Western United States. Our Equity Capital Markets and
Fixed Income Capital Markets segments lease 28 offices in the United States and certain foreign locations. The foreign locations support the operations of the
Equity Capital Market segment. In addition, Stifel Bank leases two locations in
the St. Louis area for its administrative offices and branch operations. We
believe that, at the present time, the facilities are suitable and adequate to
meet our needs and that such facilities have sufficient productive capacity and
are appropriately utilized.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Leases for the Private
Client Group branch offices of CSA, our independent contractor firm, are the
responsibility of the respective independent financial advisors. The Geneva and Madrid Equity Capital Markets branch offices are the responsibility of the
respective consultancies associated with SN Ltd.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>See Note 15 of the Notes
to Consolidated Financial Statements for further information regarding our
lease obligations.</p>

<p class=MsoFooter align=center style='text-align:center'>23</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>
<a name="ITEM_3.">ITEM 3.</a>&nbsp;
LEGAL PROCEEDINGS</i></b></p>

<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
Our company and its subsidiaries are named in and subject to various proceedings
and claims arising primarily from our securities business activities, including
lawsuits, arbitration claims, class actions, and regulatory matters. Some of
these claims seek substantial compensatory, punitive, or indeterminate damages.
Our company and its subsidiaries are also involved in other reviews,
investigations and proceedings by governmental and self-regulatory organizations
regarding our business which may result in adverse judgments, settlements,
fines, penalties, injunctions and other relief.&nbsp; We are contesting the
allegations in these claims, and we believe that there are meritorious defenses
in each of these lawsuits, arbitrations and regulatory investigations. In view
of the number and diversity of claims against the company, the number of
jurisdictions in which litigation is pending and the inherent difficulty of
predicting the outcome of litigation and other claims, we cannot state with
certainty what the eventual outcome of pending litigation or other claims will
be. In our opinion, based on currently available information, review with
outside legal counsel, and consideration of amounts provided for in our
consolidated financial statements with respect to these matters, the ultimate
resolution of these matters will not have a material adverse impact on our
financial position. However, resolution of one or more of these matters may have
a material effect on the results of operations in any future period, depending
upon the ultimate resolution of those matters and depending upon the level of
income for such period.</p>
<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
The regulatory investigations include inquiries from the SEC, the FINRA and
several state regulatory authorities requesting information concerning our
activities with respect to auction rate securities ("ARS"), and inquiries from
the SEC and a state regulatory authority requesting information relating to our
role in investments made by five Southeastern Wisconsin school districts (the
"school districts") in transactions involving collateralized debt obligations ("CDOs").
We intend to cooperate fully with the SEC, FINRA and the several states in these
investigations. While it is our opinion that based upon currently available
information and review with outside counsel that no adverse regulatory action
should be taken against our company or its subsidiaries in connection with these
investigations, there can be no assurance that regulatory action will not be
taken.</p>
<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
Current claims include a civil lawsuit filed in the United States District Court
for the Eastern District of Missouri on August 8, 2008 seeking class action
status for investors who purchased and continue to hold ARS offered for sale
between June 11, 2003 and February 13, 2008, the date when most auctions began
to fail and the auction market froze, which alleges misrepresentation about the
investment characteristics of ARS and the auction markets. We believe that based
upon currently available information and review with outside counsel that we
have meritorious defenses to this lawsuit, and intend to vigorously defend all
claims asserted therein.</p>
<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
Additionally, we are named in a civil lawsuit
filed in the Circuit Court of Milwaukee, Wisconsin on September 29, 2008. The
lawsuit has been filed against our company, Royal Bank of Canada Europe Ltd. ("RBC")
and certain other RBC entities by the school districts and the individual
trustees for other post-employment benefit ("OPEB")
trusts established by those school districts (the "Plaintiffs"). The suit was
removed to the United States District Court for the Eastern District of
Wisconsin on October 31, 2008. The suit arises out of the purchase of certain
CDOs by the OPEB trusts. The RBC entities structured and served as "arranger"
for the CDOs. We served as placement agent/broker in connection with the OPEB
trusts purchase of the investments. The total amount of the investments made by
the OPEB trusts was $200.0 million. Plaintiffs assert that the school districts
contributed $37.5 million to the OPEB trusts to purchase the investments. The
balance of $162.5 million used to purchase the investments was borrowed by the
OPEB trusts. The recourse of the lender is the OPEB trust assets and the moral
obligation of the school districts. The legal claims asserted include violation
of the Wisconsin Securities Act, fraud and negligence. The lawsuit seeks
equitable relief, unspecified compensatory damages, treble damages, punitive
damages and attorney's fees and costs. The Plaintiffs claim that the RBC
entities and our company either made misrepresentations or failed to disclose
material facts in connection with the sale of the CDOs in violation of the
Wisconsin Securities Act. We believe the Plaintiffs reviewed and understood the
relevant offering materials and that the investments were suitable based upon,
among other things, our receipt of a written acknowledgement of risks from the
Plaintiffs. We believe, based upon currently available information and review
with outside counsel, that we have meritorious defenses to this lawsuit, and
intend to vigorously defend all of the Plaintiffs' claims.</p>
<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
In connection with ARS, our U.S. broker-dealer subsidiaries have been subject to
ongoing investigations by the SEC and other regulatory authorities, with which
we are cooperating fully as stated above. We are also named in a class action
lawsuit similar to that filed against a number of brokerage firms alleging
various securities law violations in connection with the sale of ARS, which we
are vigorously defending.
As of February 20, 2009, our clients held approximately $243.0 million of ARS.</p>

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<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
Several large banks and brokerage firms, most of which were the primary
underwriters of and supported the auctions for, ARS have announced agreements,
usually as part of a regulatory settlement, to repurchase ARS at par from some
of their clients. Other brokerage firms have entered into similar agreements. We
are, in conjunction with other industry participants actively seeking solutions
to ARS' illiquidity, which may include the restructuring and refinancing of
those ARS. Should issuer redemptions and refinancings continue, our clients'
holdings could be reduced further, however, there can be no assurance these
events will continue. Additionally, on February 11, 2009 we announced a
voluntary partial repurchase plan for certain ARS. Under the voluntary plan, and
subject to applicable regulatory limitations, we will offer to purchase, at par,
the greater of 10% or twenty-five thousand dollars of ARS held by retail clients
who purchased these securities from our company prior to the ARS market collapse
and who continue to hold them in retail clients' accounts. In exchange, we will
take an assignment of clients' actionable legal claims against the major ARS
market participants for the amounts repurchased. The proposed plan, if fully
implemented, would provide a measure of liquidity to the frozen ARS market, and
result in approximately 40% of our retail clients receiving 100% liquidity for
their ARS. Based on
further review of the voluntary repurchase plan, previously announced on
February 11, 2009, we have determined that we may increase the amount of ARS
that we will voluntarily repurchase from certain of our clients who purchased
and continue to hold ARS, depending upon future circumstances. The plan excludes
employee accounts. If we were to consider resolving pending claims, inquiries or
investigations by offering to repurchase all or some portion of these ARS at par
from our clients in addition to the ARS repurchased as a result of our announced
voluntary partial repurchase plan as stated above, we would be required to
assess whether we had sufficient regulatory capital or borrowing capacity to do
so, and there is no assurance that we would have such capital or capacity. In
addition, while we believe we have made adequate provision for loss related to
the buyback of ARS held by retail clients, additional losses may be incurred
related to the resolution of all pending claims, inquiries or investigations
which would adversely affect our results of operations and financial position.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>&nbsp;</p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>
<a name="ITEM_4.">ITEM 4.</a>&nbsp; SUBMISSION
OF MATTERS TO A VOTE OF SECURITY HOLDERS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>No matters were
submitted to a vote of security holders during the quarter ended December 31,
2008.</p>

<p class=MsoHeading7 align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:center'><b>PART
II</b></p>



<p class=MsoBodyTextIndent3 style='margin-left:0in;text-indent:0in'><b><i>
<a name="ITEM_5.">ITEM 5.</a>&nbsp; MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF
EQUITY SECURITIES</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Market Information</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our common stock is
traded on the New York Stock Exchange and Chicago Stock Exchange under the
symbol &quot;SF.&quot; On February 20, 2009, there were approximately 7,300 shareholders
of our common stock. On February 20, 2009, the last reported sale price of our
common stock was $33.91. The following table sets forth for the periods
indicated the high and low trades for our common stock (as adjusted for the
three-for-two stock split in June 2008):</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=634
 style='width:6.6in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=382 colspan=4 valign=top style='width:286.6pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Sales Price</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=192 colspan=2 valign=top style='width:2.0in;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-left:28.95pt;text-align:center'><b><i>2008</i></b></p>
  </td>
  <td width=190 colspan=2 valign=top style='width:142.6pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-left:29.2pt;text-align:center'><b><i>2007</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:41.05pt'><b><u>High</u></b></p>
  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:34.85pt'><b><u>Low</u></b></p>
  </td>
  <td width=96 valign=top style='width:72.2pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:35.55pt'><b><u>High</u></b></p>
  </td>
  <td width=94 valign=top style='width:70.4pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:34.1pt'><b><u>Low</u></b></p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>First
  Quarter</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='margin-left:12.6pt;text-align:right;
  text-indent:-12.6pt'>$&nbsp;&nbsp; 52.53</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='margin-left:12.6pt;text-align:right;
  text-indent:-12.6pt'>$&nbsp;&nbsp; 37.00</p>
  </td>
  <td width=96 valign=top style='width:72.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='margin-left:12.6pt;text-align:right;
  text-indent:-12.6pt'>$&nbsp;&nbsp; 34.81</p>
  </td>
  <td width=94 valign=top style='width:70.4pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='margin-left:12.6pt;text-align:right;
  text-indent:-12.6pt'>$&nbsp;&nbsp; 24.77</p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Second
  Quarter</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>59.45</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>34.31</p>
  </td>
  <td width=96 valign=top style='width:72.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>41.27</p>
  </td>
  <td width=94 valign=top style='width:70.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>28.29</p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Third
  Quarter</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>60.61</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>31.56</p>
  </td>
  <td width=96 valign=top style='width:72.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>41.36</p>
  </td>
  <td width=94 valign=top style='width:70.4pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>32.51</p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Fourth
  Quarter</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>50.00</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>30.42</p>
  </td>
  <td width=96 valign=top style='width:72.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>42.32</p>
  </td>
  <td width=94 valign=top style='width:70.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>29.37</p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=96 valign=top style='width:72.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=94 valign=top style='width:70.4pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We did not pay cash
dividends during fiscal years 2008 or 2007 and do not anticipate paying cash
dividends in the foreseeable future. The payment of dividends on our common
stock is subject to several factors including operating results, financial
requirements of our company, and the availability of funds from our
subsidiaries. See Note 17 of the Notes to Consolidated Financial Statements for
more information on the capital restrictions placed on Stifel Bank and our
broker-dealer subsidiaries.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>See Item 12, &quot;Security
Ownership of Certain Beneficial Owners and Management and Related Stockholder
Matters,<a name="OLE_LINK17">&quot;</a> in this report for
information regarding securities authorized for issuance under equity
compensation plans.</p>

<p class=MsoFooter align=center style='text-align:center'>25</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b><a href="#TABLE_OF_CONTENTS">Table of Contents</a></p>



<p class=MsoBodyText style='margin-top:6.0pt'><b>Issuer
Purchases of Equity Securities </b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>There were no unregistered sales of equity securities
during the quarter ended December 31, 2008. There were also no purchases made
by or on behalf of Stifel Financial Corp. or any &quot;affiliated purchaser&quot; (as defined in Rule 10b-18(a)(3) under the Securities
Exchange Act of 1934), of our common stock during the quarter ended December 31,
2008<b>. </b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have an ongoing
authorization, as amended, from the Board of Directors to repurchase our common
stock in the open market or in negotiated transactions. In May 2005, our Board
of Directors authorized the repurchase of an additional 3,000,000 shares, for a
total authorization to repurchase up to 4,500,000 shares (as adjusted for the three-for-two
stock split in June 2008).
At December 31, 2008, the maximum number of shares that may yet be purchased under
this plan was 2,010,831. </p>

<p class=MsoFooter align=center style='text-align:center'>26</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;Shareholder Return Performance
Graph</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following graph
compares the cumulative total stockholder returns, assuming the reinvestment of
dividends, of our common stock on an indexed basis with a Peer Group Index, the
Standard and Poor's 500 (&quot;S&amp;P 500&quot;) Index, and the Securities Broker-Dealer
Index for the five year period ended December&nbsp;31, 2008. The Peer Group
Index consists of six companies, including us, that serve the same markets as
us and which compete with us in one or more markets. The Securities
Broker-Dealer Index consists of twelve firms in the brokerage sector. The
Broker-Dealer Index does not include our company. The graph assumes an
investment of $100 made in our common stock and each index on December 31,
2003.</p>

<P ALIGN="CENTER"><IMG SRC="rgraph2008.jpg" WIDTH=852 HEIGHT=589></P>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:14.1pt'>
  <td width=120 nowrap valign=bottom style='width:1.25in;border:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:14.1pt'>

  </td>
  <td width=78 nowrap valign=bottom style='width:58.5pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt;height:14.1pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>2003</u></b></p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt;height:14.1pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>2004</u></b></p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt;height:14.1pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>2005</u></b></p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt;height:14.1pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>2006</u></b></p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt;height:14.1pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>2007</u></b></p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt;height:14.1pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><u>2008</u></b></p>
  </td>
 </tr>
 <tr style='height:12.85pt'>
  <td width=120 nowrap valign=bottom style='width:1.25in;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>Stifel Financial Corp.</p>
  </td>
  <td width=78 nowrap valign=bottom style='width:58.5pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>$100</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>$134</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>$241</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>$251</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>$337</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>$441</p>
  </td>
 </tr>
 <tr style='height:12.85pt'>
  <td width=120 nowrap valign=bottom style='width:1.25in;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>Peer Group</p>
  </td>
  <td width=78 nowrap valign=bottom style='width:58.5pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;100</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;113</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;119</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;162</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;161</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;76</p>
  </td>
 </tr>
 <tr style='height:12.85pt'>
  <td width=120 nowrap valign=bottom style='width:1.25in;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>S&amp;P 500 Index</p>
  </td>
  <td width=78 nowrap valign=bottom style='width:58.5pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;100</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;111</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;116</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;135</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;142</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;90</p>
  </td>
 </tr>
 <tr style='height:12.85pt'>
  <td width=120 nowrap valign=bottom style='width:1.25in;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>Securities
  Broker/Dealer Index</p>
  </td>
  <td width=78 nowrap valign=bottom style='width:58.5pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>100</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>115</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>148</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>183</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>157</p>
  </td>
  <td width=84 nowrap valign=bottom style='width:63.0pt;border-top:none;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.85pt'>
  <p class=MsoNormal align=center style='text-align:center'>59</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal align=center style='text-align:center;line-height:12.0pt'><u>Peer Group Companies</u></p>

<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse;border:none'>
 <tr>
  <td width=319 valign=top style='width:239.4pt;border-top:solid windowtext 1.0pt;
  border-left:solid windowtext 1.0pt;border-bottom:none;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;line-height:12.0pt'>Oppenheimer Holdings,
  Inc.<sup>(1)</sup></p>
  </td>
  <td width=300 valign=top style='width:225.0pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:none;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;line-height:12.0pt'>SWS Group, Inc.</p>
  </td>
 </tr>
 <tr>
  <td width=319 valign=top style='width:239.4pt;border:none;border-left:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;line-height:12.0pt'>Sanders Morris Harris
  Group Inc.</p>
  </td>
  <td width=300 valign=top style='width:225.0pt;border:none;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;line-height:12.0pt'>Stifel Financial Corp.</p>
  </td>
 </tr>
 <tr>
  <td width=319 valign=top style='width:239.4pt;border:none;border-left:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;line-height:12.0pt'>Raymond James
  Financial, Inc.</p>
  </td>
  <td width=300 valign=top style='width:225.0pt;border:none;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;line-height:12.0pt'>Piper Jaffray
  Companies</p>
  </td>
 </tr>
 <tr>
  <td width=319 valign=top style='width:239.4pt;border:none;border-left:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=300 valign=top style='width:225.0pt;border:none;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=319 valign=top style='width:239.4pt;border:none;border-left:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;line-height:12.0pt'><sup>(1)</sup> Formerly Fahnestock
  Viner Holdings, Inc.</p>
  </td>
  <td width=300 valign=top style='width:225.0pt;border:none;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=319 valign=top style='width:239.4pt;border-top:none;border-left:
  solid windowtext 1.0pt;border-bottom:solid windowtext 1.0pt;border-right:
  none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=300 valign=top style='width:225.0pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='line-height:12.0pt' align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; * Compound Annual Growth Rate</p>

<p class=MsoFooter align=center style='text-align:center'>27</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br
clear=all style='page-break-before:always'>






</p>






<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>
<a name="ITEM_6.">ITEM 6.</a>&nbsp; SELECTED FINANCIAL
DATA</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:22.5pt'>The following selected consolidated financial data
(presented in thousands, except per share amounts) is derived from our
consolidated financial statements. This data should be read in conjunction with
the consolidated financial statements and notes thereto, and with Item 7, &quot;Management's
Discussion and Analysis of Financial Condition and Results of Operations.&quot;</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>&nbsp;</i></p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:726px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><i>&nbsp;</i></p>
  </td>
  <td colspan=5 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:483px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Years Ended December
  31,</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><i>&nbsp;</i></p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2008</i></b></p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2007</i></b></p>
  </td>
  <td valign=top style='width:84px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2006</i></b></p>
  </td>
  <td valign=top style='width:84px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2005</i></b></p>
  </td>
  <td valign=top style='width:85px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2004</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>Revenues</i></b></p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal></p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:1.8pt'>Commissions</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 341,090</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 315,514</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 199,056</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$ 107,976</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 95,894</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:1.8pt'>Principal transactions</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 293,285</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 139,248</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 86,365</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 44,110</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46,163</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:1.8pt'>Investment banking</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83,710</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 169,413</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 82,856</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 55,893</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,768</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:1.8pt'>Asset management and service fees</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 119,926</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 101,610</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,713</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 43,476</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,504</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:1.8pt'>Interest</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,148</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59,071</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,804</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 18,022</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,101</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:1.8pt'>Other</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 688</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,234</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,594</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 533</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,759</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'>Total revenues</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 888,847</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 793,090</p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 471,388</p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 270,010</p>
  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 251,189</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Interest
  expense</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,510</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,025</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,581</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,275</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,366</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues</b></p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 870,337</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 763,065</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 451,807</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 263,735</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 246,823</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>Non-interest
  Expenses</i></b></p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Employee
  compensation and benefits</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 582,778</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 543,021</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 329,703</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 174,765</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 157,314</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Occupancy
  and equipment rental</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 67,984</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,796</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,751</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 22,625</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,445</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Communications
  and office supplies</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45,621</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42,355</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,666</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 12,087</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,330</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Commissions
  and floor brokerage</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,287</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,921</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,388</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,134</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,658</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Other
  operating expenses</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 68,898</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 56,126</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,930</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 17,402</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,459</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'>Total non-interest expenses</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 778,568</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 709,219</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 425,438</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 231,013</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 210,206</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Income
  before income taxes</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 91,769</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,846</p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,369</p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 32,722</p>
  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,617</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Provision
  for income taxes</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,267</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,676</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,938</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 13,078</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,469</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net income</b></p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,502</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,170</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp; 15,431</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 19,644</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 23,148</p>
  </td>
 </tr>
 <tr style='height:4.95pt'>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:4.95pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:4.95pt' align="right">
  <p class=MsoNormal></p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:4.95pt' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;border:medium none;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr style='height:4.95pt'>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:4.95pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  income per share - basic</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:4.95pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.31</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:4.95pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.48</p>
  </td>
  <td valign=top style='width:84px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.89</p>
  </td>
  <td valign=top style='width:84px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.33</p>
  </td>
  <td valign=top style='width:85px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.59</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Net
  income per share - diluted</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.98</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.25</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.04</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.25</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.55pt;text-indent:-12.55pt'><b>&nbsp;</b></p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal></p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.55pt;text-indent:-12.55pt'>Weighted average
  common shares outstanding - basic</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,069</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,754</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,269</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp; 14,742</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,553</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.55pt;text-indent:-12.55pt'>Weighted average
  common shares outstanding - diluted</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,073</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,723</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,863</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp; 18,879</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,421</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.55pt;text-indent:-12.55pt'><b><i>Financial Condition</i></b></p>
  </td>
  <td width=82 valign=top style='width:61.8pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal></p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:84px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:84px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:85px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Total assets</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$ 1,558,145</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$ 1,499,440</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$ 1,084,774</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$ 842,001</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 382,314</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Long term obligations</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 106,860</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 124,242</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,379</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 97,182</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 61,767</p>
  </td>
 </tr>
 <tr>
  <td width=238 valign=top style='width:178.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Stockholders'equity</p>
  </td>
  <td width=82 valign=top style='width:61.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 593,185</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 424,637</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 220,265</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 155,093</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 131,312</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On May 12, 2008, our
Board of Directors approved a 50% stock dividend, in the form of a three-for-two
stock split, of our common stock payable on June 12, 2008 to stockholders of
record as of May 29, 2008. Per share data, for all periods presented, have been
adjusted to give effect to this stock split.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following items
should be considered when comparing the data from year-to-year: 1) the
acquisition of LM Capital Markets in December 2005; 2) the continued expansion
of our Private Client Group, including the acquisition of MJSK in December
2006; 3) the acquisition of Ryan Beck in February 2007; 4) the acquisition of
FirstService Bank in April 2007; and 5) the acquisition of Butler Wick on
December 31, 2008. See Item 7. &quot;Management's Discussion and Analysis of
Financial Condition and Results of Operations,&quot; made part hereof, for a
discussion of these items and other items that may affect the comparability of
data from year-to-year.</p>

<p class=MsoFooter align=center style='text-align:center'>28</p>

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<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b></p>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In fiscal 2008, 2007 and
2006, net income and net income per share includes the impact of the adoption
of Statement of Financial Accounting Standard (&quot;SFAS&quot;) No. 123 (revised 2004),
&quot;Share-Based Payment.&quot; The stock-based compensation charges recorded in
&quot;Employee compensation and benefits&quot; as a result of the adoption, were not
present in fiscal years 2005 and prior. See Note 19 of the Notes to
Consolidated Financial Statements for information regarding stock-based
compensation.</p>

<p class=MsoFooter align=center style='text-align:center'>29</p>

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<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_7.">ITEM 7.</a>&nbsp; MANAGEMENT'S
DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following discussion
(presented in millions, except where indicated) should be read in conjunction with
our consolidated financial statements and notes thereto.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Executive Summary</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Through our wholly-owned
subsidiaries, principally Stifel Nicolaus, CSA, SN Ltd, and Stifel Bank, we are
engaged in retail brokerage, securities trading, investment banking, investment
advisory, residential, consumer and commercial banking and related financial
services throughout the United States and three European offices. Although we
have offices across the United States, our major geographic area of
concentration is in the Midwest and Mid-Atlantic regions with a growing
presence in the Northeast, Southwest and Western United States. Our principal
customers are individual investors, corporations, municipalities and
institutions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We plan to maintain our
focus on revenue growth with a continued focus on developing quality
relationships with our clients. Within our private client business, our efforts
will be focused on recruiting experienced financial advisors with established
client relationships. Within our capital markets business, our focus continues
to be on providing quality client management and product diversification. In
executing our growth strategy, we take advantage of the consolidation among
middle market firms, which we believe provides us opportunities in our private
client and capital markets businesses.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our overall financial
results continue to be highly and directly correlated to the direction and
activity levels of the United States equity and fixed income markets, our
expansion of the Equity Capital Markets and Fixed Income Capital Markets
segments, the continued expansion of our Private Client Group, and the
increased activity from the successful integrations of the following
acquisitions: LM Capital Markets business acquired on December 1, 2005; the
Ryan Beck acquisition on February 28, 2007, and the First Service acquisition
on April 2, 2007. Additionally, we expect to successfully complete the
integration of our acquisition of Butler Wick during 2009. During 2008, we
opened 34 branch offices and hired 194 financial advisors. In addition, we
added 86, 52, and 15 revenue producers in our Equity Capital Markets, Fixed
Income Capital Markets, and Stifel Bank segments, and added 240 employees that
directly support these revenue producers and 113 employees for home office
support.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>For the year ended
December 31, 2008, our net revenues increased 14% to a record $870.3 million
compared to $763.1 million in 2007 and represents the thirteenth consecutive
year of revenue growth for our company. Net income increased 73% to $55.5
million for the year ended December 31, 2008 compared to $32.2 million in 2007.
The comparability of our operating results were impacted by a significant
investment banking transaction in the second quarter of 2007, Ryan Beck
acquisition related expenses of $31.3 million during 2007, and the inclusion of
the full twelve months of operations for Ryan Beck and Stifel Bank in 2008,
which were acquired on February 28 and April 2, 2007, respectively. See
&quot;Results of Operations - Total Company&quot; herein for more details.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our revenue growth was primarily
derived from increased commissions, principal transactions, and asset
management and services fees; however, certain of our business activities were
impacted by the particularly challenging equity market conditions as evidenced
by the decline of our investment banking revenues of $85.7 million from the
year ago period. The market turmoil has contributed to increased commissions
and principal transactions revenues for the Equity Capital Markets and Fixed Income
Capital Markets segments as institutions rebalanced their portfolios to
diminish exposure to the markets. Additionally, the market upheaval and the
resultant failure of some Wall Street firms have led to increased market share
of institutional business for our company. The market turmoil has led to a
decrease in the value of our customers' assets and a decrease in customer
margin receivables. As a result, Private Client Group commissions, asset
management and service fees, and margin interest income decreased in the fourth
quarter and may diminish in the future. Our business does not produce
predictable earnings and is potentially affected by many risk factors such as
the global economic and credit slowdown, among others. See Item 1A, &quot;Risk
Factors,&quot; of this report for a further discussion of the factors that may
affect our future operating results.</p>

<p class=MsoFooter align=center style='text-align:center'>30</p>

<div class=MsoNormal align=center style='text-align:center'>

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</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:center'>
<a href="#TABLE_OF_CONTENTS">Table of Contents</a></p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>External Factors
Impacting our Business</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our results of
operations are materially affected by conditions in the financial markets and
economic conditions generally, both in the United States and elsewhere around
the world. Dramatic declines in the U.S. housing market over the past year, together with increasing foreclosures and
unemployment, have resulted in significant write-downs of asset values by
financial institutions, including government-sponsored entities as well as
major commercial and investment banks. These write-downs, which were initially associated
with mortgaged-backed securities but which have substantially spread to credit
default swaps and other derivative securities, in turn have caused many
financial institutions to seek additional capital, to merge with larger and
stronger institutions and, in some cases, to fail. Reflecting concern about the
stability of the financial markets generally and the strength of
counterparties, many lenders and institutional investors have ceased to provide
funding to even the most credit-worthy borrowers. This market turmoil and
tightening of credit have led to an increased level of commercial and consumer
delinquencies, lack of consumer confidence, increased market volatility and
widespread reduction of business activity generally. The global markets
continue to be very volatile. At December 31, 2008, the key indicators of the
markets' performances, the Dow Jones Industrial Average, the NASDAQ, and the
S&amp;P 500 closed approximately 34%, 41%, and 38%, respectively, lower than
their December 31, 2007 closing prices. Given such factors, the current year results
may not be indicative of future results.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Although we do not engage
in any significant proprietary trading for our own account, the inventory of
securities held to facilitate customer trades and our market making activities
are sensitive to market movements. We do not have any significant direct
exposure to the sub-prime market crisis, but are subject to market fluctuations
resulting from news and corporate events in the sub-prime mortgage markets,
associated write-downs by other financial services firms and interest rate
fluctuations. Stock prices for companies in this industry, including Stifel
Financial Corp., have been volatile as a result of reactions to the global
credit crisis and the continued volatility in the financial services industry. We
will continue to monitor our market capitalization and review for potential
goodwill asset impairment losses if events or changes in circumstances occur
that would more likely than not reduce the fair value of the asset below its
carrying amount. </p>

<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
In
connection with ARS, our broker-dealer subsidiaries have been subject to ongoing
investigations, which include inquiries from the SEC, FINRA and several state
regulatory agencies, with which we are cooperating fully. We are also named in a
class action lawsuit similar to that filed against a number of brokerage firms
alleging various securities law violations, which we are vigorously defending.
As of February 20, 2009,
our clients held approximately $243.0 million of ARS. We are, in conjunction with other
industry participants actively seeking a solution to ARS' illiquidity. See Item
3, "Legal Proceedings," in this report for further details regarding ARS
investigations and claims.</p>
<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
In addition to the ARS held by our clients, we held $18.5 million of ARS at
December 31, 2008 in our inventory of trading securities, which were classified
as Level III financial instrument. Additionally, we held a $10.0 million par
value asset-backed security, consisting of collateralized debt obligation trust
preferred securities related primarily to banks, which is carried at $7.6
million in our held-to-maturity portfolio. This investment was also classified
as a Level III financial instrument at December 31, 2008. See the section
entitled "Liquidity and Capital Resources" herein regarding the valuation of our
financial instruments. In addition, see
Note 6 of the Notes to Consolidated Financial Statements for further information
regarding our securities.</p>

<p class=MsoFooter align=center style='text-align:center'>31</p>

<div class=MsoNormal align=center style='text-align:center'>

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</div>



<blockquote>
	<blockquote>
		<blockquote>
			<blockquote>
				<p class=MsoNormal style='margin-top:6.0pt;' align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a></p>
				<p class=MsoNormal style='margin-top:6.0pt;'><b>
				<i>Results of Operations -
Total Company</i></b></p>
			</blockquote>
		</blockquote>
	</blockquote>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in' align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The following table presents consolidated financial
information for the years indicated:</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:1091px;margin-left:-8.1pt;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=8 valign=top style='width:726px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Years Ended</b></p>
  </td>
 </tr>
 <tr style='height:10.3pt'>
  <td valign=top style='width:337px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:185px;border-top:1.0pt solid windowtext;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:64px;border-top:1.0pt solid windowtext;
  height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:174px;border-top:1.0pt solid windowtext;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:69px;border-top:1.0pt solid windowtext;
  height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:178px;border-top:1.0pt solid windowtext;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2006</b></p>
  </td>
 </tr>
 <tr style='height:23.35pt'>
  <td valign=top style='width:337px;height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  <i>(in thousands</i>)</b></p>
  </td>
  <td valign=top style='width:104px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:
  1.0pt solid windowtext;height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:92px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:68px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:
  1.0pt solid windowtext;height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:97px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:23.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Revenues:</b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:64px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:68px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:97px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.15in'>Commissions and
  principal transactions </p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 634,375</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>73%</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40%</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 454,762</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 60%</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59%</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 285,421</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 63 %</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Investment banking</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83,710</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (51)</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 169,413</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 22</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 104</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 82,856</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 18</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Asset management and service fees </p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 119,926</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 101,610</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 13</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 76</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,713</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 13</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Interest</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,148</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (15)</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59,071</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 65</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,804</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 688</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (92)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,234</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (14)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,594</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 888,847</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 102</p>
  </td>
  <td valign=top style='width:64px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 793,090</p>
  </td>
  <td valign=top style='width:68px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 104</p>
  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 68</p>
  </td>
  <td valign=top style='width:97px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 471,388</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 104</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Interest
  expense </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,510</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (38)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,025</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,581</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues&nbsp; </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 870,337</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 763,065</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 69</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 451,807</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:64px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:68px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:97px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.15in'>Employee compensation
  and benefits</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 582,778</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 67</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 543,021</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 71</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 65</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 329,703</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 73</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Occupancy and equipment rental</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 67,984</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,796</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 88</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,751</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Communication and office supplies </p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45,621</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42,355</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,666</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Commissions and floor brokerage</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,287</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,921</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,388</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other operating expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 68,898</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 56,126</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 76</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,930</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 778,568</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 90</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 709,219</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 93</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 67</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 425,438</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 94</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 91,769</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10</p>
  </td>
  <td valign=top style='width:64px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 70</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,846</p>
  </td>
  <td valign=top style='width:68px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 104</p>
  </td>
  <td valign=top style='width:97px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,369</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Provision
  for income taxes</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,267</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 67</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,676</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,938</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:337px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Net
  Income</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 55,502</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 73%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 32,170</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 108%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 15,431</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3 %</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; nm - not meaningful</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net Interest Analysis</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The following table presents average balance data and
operating interest income and expense data, as well as related interest yields
for the years indicated:</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:1154px;margin-left:-12.6pt;border-collapse:collapse'>
 <tr style='height:10.3pt'>
  <td valign=top style='width:353px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=9 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:773px;border-bottom:1.0pt solid windowtext;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Years Ended</b></p>
  </td>
 </tr>
 <tr style='height:9.85pt'>
  <td valign=top style='width:353px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:247px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td colspan=3 valign=top style='width:252px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
  <td colspan=3 valign=top style='width:246px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2006</b></p>
  </td>
 </tr>
 <tr style='height:31.85pt'>
  <td valign=top style='width:353px;height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  <br>
  <i>(in
  thousands, except rates) </i>
  </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Average<br>
  Balance</b></p>
  </td>
  <td valign=top style='width:79px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Operating<br>
  Interest<br>
  Inc./Exp.</b></p>
  </td>
  <td valign=bottom style='width:57px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Yield/<br>
  Cost</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Average<br>
  Balance</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Operating<br>
  Interest<br>
  Inc./Exp.</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:
  1.0pt solid windowtext;height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Yield/<br>
  Cost</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Average<br>
  Balance</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Operating<br>
  Interest<br>
  Inc./Exp.</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:
  1.0pt solid windowtext;height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Yield/<br>
  Cost</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Interest-Earning
  Assets:</b></p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:57px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:64px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Margin balances of
  Stifel&nbsp; Nicolaus <sup>(1)</sup> </p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ 382,536</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 20,930</p>
  </td>
  <td valign=top style='width:57px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 5.47%</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ 332,196</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 26,565</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 8.00%</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ 234,557</p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 19,090</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 8.14%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Interest-earnings
  assets of Stifel Bank <sup>(2)</sup></p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp; 273,893</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 15,253</p>
  </td>
  <td valign=top style='width:57px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 5.57%</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 188,022</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,400</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 6.67%</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --%</p>
  </td>
 </tr>
 <tr style='height:9.45pt'>
  <td valign=top style='width:353px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Stock borrow of Stifel Nicolaus
  </p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 61,097</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 733</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:57px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 1.20%</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 37,019</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,342</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 3.63%</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 66,747</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,324</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:
  1.0pt solid windowtext;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 3.48%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 13,232</p>
  </td>
  <td valign=top style='width:57px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,764</p>
  </td>
  <td valign=top style='width:64px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,390</p>
  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total interest income</b></p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 50,148</p>
  </td>
  <td valign=top style='width:57px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 59,071</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 35,804</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Interest-Bearing
  Liabilities:</b></p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:57px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr style='height:19.35pt'>
  <td valign=top style='width:353px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Stifel Nicolaus
  short-term borrowings </p>
  </td>
  <td valign=top style='width:83px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$ 132,660</p>
  </td>
  <td valign=top style='width:79px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 3,021</p>
  </td>
  <td valign=top style='width:57px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 2.28%</p>
  </td>
  <td valign=top style='width:76px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$ 156,778</p>
  </td>
  <td valign=top style='width:84px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,626</p>
  </td>
  <td valign=top style='width:64px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 4.86%</p>
  </td>
  <td valign=top style='width:71px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$ 149,108</p>
  </td>
  <td valign=top style='width:81px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,735</p>
  </td>
  <td valign=top style='width:66px;height:19.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 5.19%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Interest-bearing
  liabilities of Stifel Bank <sup>(2)</sup></p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp; 229,205</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,434</p>
  </td>
  <td valign=top style='width:57px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 2.37%</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 152,284</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,469</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 4.79%</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Stock loan of Stifel Nicolaus</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;105,424</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,608</p>
  </td>
  <td valign=top style='width:57px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 2.47%</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 119,590</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,764</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 4.82%</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;114,876</p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,697</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 4.96%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Interest-bearing
  liabilities of Unconsolidated subsidiaries</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 93,019</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,233</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:57px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 6.70%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 99,679</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,849</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 6.87%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 70,583</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,369</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 7.61%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,213</p>
  </td>
  <td valign=top style='width:57px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,317</p>
  </td>
  <td valign=top style='width:64px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 780</p>
  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total interest expenses</b></p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 18,509</p>
  </td>
  <td valign=top style='width:57px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,025</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:81px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,581</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:353px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Net
  interest income</b></p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp; 31,639</p>
  </td>
  <td valign=top style='width:57px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 29,046</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 16,223</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:9.0pt;margin-bottom:.0001pt'><sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1)</sup> Average margin balances increased as a result
of the acquisition of Ryan Beck and the growth in the Private Client Group
segment.</p>

<p class=MsoNormal style='margin-left:.25in;text-indent:-9.0pt'><sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2)</sup> Stifel Bank was acquired
on April 2, 2007. See Results of Operations - Stifel Bank for further details.</p>

<p class=MsoFooter align=center style='text-align:center'>32</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:left'><b>&nbsp;<i>2008
As Compared To 2007 - Total Company</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Except as noted in the
following discussion of variances for the total Company and the ensuing segment
results, the underlying reasons for the increase in revenue and expense
categories can be attributed principally to the acquisitions of Ryan Beck and
Stifel Bank in 2007 and the increased number of Private Client Group offices
and financial advisors. Ryan Beck's and Stifel Bank's results of operations are
included in our results of operations prospectively from their respective dates
of acquisition of February 28, 2007 and April 2, 2007. As such, the results of
operations for 2007 include only ten months of Ryan Beck's results of
operations and nine months of Stifel Bank's results of operations. For the
twelve months ended December 31, 2008, Ryan Beck contributed $187.8 million in
net revenues compared to $180.8 million in the twelve months ended December 31,
2007 and income before income taxes of $26.9 million for the twelve months
ended December 31, 2008, compared to a loss before income taxes of $14.3
million for the twelve months ended December 31, 2007. Stifel Bank contributed
$9.6 million in net revenues and income before income taxes of $0.6 million for
the twelve months ended December 31, 2008 compared to $4.8 million in net
revenues and $1.0 million in income before income taxes for the twelve months
ended December 31, 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our net revenues (total
revenues less interest expense) increased $107.2 million to a record $870.3
million for the twelve months ended December 31, 2008; a 14% increase over the
$763.1 million recorded for the twelve months ended December 31, 2007 and
represented the thirteenth consecutive annual increase in net revenues. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Commissions and
principal transactions revenues increased 40% to $634.4 million in 2008 from
$454.8 million in 2007, with increases of 12%, 33%, and 198% in the Private
Client Group, Equity Capital Markets, and Fixed Income Capital Markets
segments, respectively, primarily resulting from the aforementioned growth and
market volatility leading to increased commissions, principally in over-the-counter
stocks, and increased principal transactions, primarily in mortgage-backed
securities, municipal debt and corporate debt.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Investment banking
revenues decreased 51% to $83.7 million in 2008 from $169.4 million in 2007 due
to the industry-wide decline in common stock offerings and mergers and
acquisitions caused by challenging capital market conditions. Capital raising
revenues decreased 53% to $45.2 million in 2008 from $95.1 million in the prior
year period and strategic advisory fees decreased 48% to $38.5 million in 2008
from $74.3 million in 2007. Additionally, during the second quarter of 2007, we
closed on a significant corporate finance investment banking transaction, which
contributed $24.7 million in revenues.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Asset management and
service fee revenues increased 18% to $119.9 million in 2008 from $101.6
million in the prior year period, primarily resulting from an 11% increase in
the number of Stifel Nicolaus managed accounts and increased distribution fees
for money market funds, principally FDIC insured accounts, attributable
principally to the Ryan Beck acquisition and the continued growth of the
Private Client Group, offset by a 13% decrease in the value of assets in
fee-based accounts. See Assets in Fee-based Accounts included in the table within
&quot;Results of Operations - Private Client Group.&quot; </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Other revenues decreased
$7.5 million to $0.7 million in 2008 from $8.2 million in 2007, principally due
to investment losses of $7.5 million in 2008 as a result of the downturn in the
equity markets, a write-down of investments due to a decline in value, and an impairment charge of $2.4 million on $4.0 million
of asset backed securities recorded during the fourth quarter due to an
other-than-temporary decline in value at Stifel Bank. The losses were offset by a $6.7 million
gain before certain expenses and taxes on the extinguishment of $12.5 million
of 6.78% Stifel Financial Capital Trust IV Cumulative Preferred Securities in December
2008. We issued 142,196 shares of our common stock in exchange for $12,500 par
value of 6.78% Cumulative Trust Preferred Securities, originally offered and
sold by Stifel Financial Capital Trust IV. As a result, the Company
extinguished $12,500 of its debenture to Stifel Financial Capital Trust IV in
the fourth quarter of 2008.</p>

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</p>






<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenues
decreased 15%, or $9.0 million, to $50.1 million in 2008 from $59.1 million in
2007, principally as a result of a $8.4 million decrease in interest revenues
on fixed income inventory held for sale to clients and decreased interest revenues
of $5.6 million from customer margin borrowing, partially offset by increased
interest revenues of $5.6 million from interest-earning assets of Stifel Bank.
The average margin balances of Stifel Nicolaus increased to $382.5 million in
2008 compared to $332.2 million in 2007 at weighted average interest rates of 5.47%
and 8.00%, respectively. The average interest-earning assets of Stifel Bank
increased to $273.9 million in 2008 compared to $188.0 million in 2007 at
weighted average interest rates of 5.57% and 6.67%, respectively. Interest
expense decreased 38%, or $11.5 million, to $18.5 million in 2008 from $30.0
million in 2007, principally as a result of decreased interest rates charged by
banks on decreased levels of borrowings to finance customer borrowing and firm
inventory and decreased interest rates on stock loan borrowings. See &quot;Net
Interest Analysis&quot; above for more details.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Employee compensation
and benefits increased 7%, or $39.8 million, to $582.8 million in 2008 from $543.0
million in 2007, principally due to increased commissions and principal
transactions revenue production. As a percentage of net revenues, employee
compensation and benefits totaled 67% in 2008 compared to 71% in 2007. Included
in compensation and benefits in 2007 is $24.9 million of acquisition-related
expenses associated with the Ryan Beck acquisition, principally a charge
related to the acceleration of vesting arising from the amendment of the Ryan
Beck deferred compensation plans. A portion of employee compensation and benefits
includes transition pay, principally in the form of upfront notes and
accelerated payout in connection with our continuing expansion efforts, of $27.1
million (3% of net revenues) and $25.4 million (3% of net revenues) for the
twelve months ended December 31, 2008 and 2007, respectively. The upfront notes
are amortized over a five to ten year period. In addition, for the twelve
months ended December 31, 2008 and 2007, employee compensation and benefits
includes $25.6 million and $24.2 million, respectively, for amortization of
units awarded to LM Capital Markets associates. These units were fully
amortized as of December 31, 2008. </p>

<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
Occupancy and equipment rental, communication and office supplies, commissions
and floor brokerage, and other operating expenses increased principally due to
the acquisitions and our expansion of the Equity Capital Markets and Fixed
Income Capital Markets segments and continued expansion of the Private Client
Group. &nbsp;Additionally, a change in the second quarter of 2008 to a third party
vendor for services, resulted in $6.1 million of expenses previously accounted
for as communication and office supplies that are now accounted for as
commissions and floor brokerage. This resulting increase in commissions and
floor brokerage expenses was partially offset by a rebate of $1.5 million
received in the first quarter of 2008 related to clearing fees paid in 2007. In
the fourth quarter of 2008 we recorded a contingency charge of $5.3 million
related to the previously announced voluntary partial repurchase plan for
certain ARS. Included in 2007 other operating expenses is a $1.3 million charge
for the write off of deferred issuance costs related to the 9% Stifel Financial
Capital Trust I Convertible Preferred Securities called on July 13, 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The provision for income
taxes was $36.3 million in 2008, representing an effective tax rate of 39.5%,
compared to $21.7 million in 2007, representing an effective tax rate of 40.3%.
The higher effective tax rate in 2007 was due to the proportionately higher
level of non-deductible expenses to net income.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Net income increased 73%,
or $23.3 million, to $55.5 million in 2008, compared to $32.2 million in 2007,
principally due to the increase in net revenues and the scalability of
increased production and lower acquisition-related charges. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>2007 As Compared To 2006 - Total Company</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Except as noted in the
following discussion of variances for the total Company and the ensuing segment
results, the underlying reasons for the increase in revenue and expense
categories can be attributed principally to the acquisitions discussed above
and the increased number of Private Client Group offices and financial
advisors. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our net revenues (total
revenues less interest expense) increased $311.3 million to a record $763.1
million in 2007, a 69% increase over the $451.8 million recorded in 2006 and
represented the twelfth consecutive annual increase in net revenues. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Commissions and principal
transactions increased 59% to $454.8 million in 2007 from $285.4 million in
2006, with revenue increases of 85%, 31%, and 27% in the Private Client Group,
Equity Capital Markets, and Fixed Income Capital Markets segments,
respectively, resulting from improved markets for equity based products and the
aforementioned growth.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Investment banking
revenues increased 104% to $169.4 million in 2007 from $82.9 million in 2006.
During the second quarter of 2007 we closed on a significant corporate finance
investment banking transaction which contributed approximately $24.7 million in
revenue. Capital raising revenue increased 116% to $95.1 million from $44.0
million in the prior year as a result of an increased number of completed
transactions for both equity and fixed income underwriting. In addition,
strategic advisory fees increased 91% to $74.3 million from $38.9 million in
2006. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Asset management and
service fees increased 76% to $101.6 million from $57.7 million in the prior
year resulting from a 68% increase in the number of Stifel Nicolaus managed
accounts and an 81% increase in the value of assets in fee-based accounts
attributable to the continued growth of the Private Client Group. See Assets in
Fee-based Accounts included in the table within &quot;Results of Operations - Private
Client Group.&quot;</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Other revenues decreased
14% to $8.2 million in 2007 from $9.6 million in 2006 principally due to a $5.5
million net gain on investments recorded in 2006 on the Company's NYSE seat
membership as a result of receiving shares of NYSE Group common stock in
conjunction with the New York Stock Exchange merger with Archipelago Holdings,
Inc. This decrease was partially offset by a $3.8 million gain before certain
expenses and taxes on the extinguishment of $10.0 million of 6.78% Stifel
Financial Capital Trust IV Cumulative Preferred Securities in December 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenue
increased 65% to $59.1 million in 2007 from $35.8 million in 2006 as a result
of interest revenue generated from the newly acquired Stifel Bank (Stifel Bank
segment), increased revenue on fixed income inventory held for sale to clients,
and increased revenue on customer margin accounts, partially offset by
decreased revenue from stock borrow activities. Increases in revenue on
customer margin accounts resulted from an increase in average margin
borrowings. Interest expense increased 53% to $30.0 million in 2007 as a result
of interest related to money market, savings, and time deposit accounts of
Stifel Bank, interest related to increased costs to carry higher levels of firm
inventory, increased interest expense resulting from the debentures issued in
the first and second quarter of 2007, and increased rates charged for bank
borrowings and stock loans to finance customer borrowings. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Employee compensation
and benefits increased 65% to $543.0 million in 2007 from $329.7 million in
2006. As a percentage of net revenue, employee compensation and benefits
totaled 71% in 2007 compared to 73% in 2006. A portion of employee compensation
and benefits includes transition pay, principally in the form of upfront notes
and accelerated payout in connection with our continuing expansion efforts, of
$25.4 million (3% of net revenue) and $14.0 million (3% of net revenue) for the
twelve months ended December 31, 2007 and December 31, 2006, respectively. The
upfront notes are amortized over a five to ten year period. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, for the
twelve months ended December 31, 2007, compensation and benefits includes: 1)
compensation charges of approximately $24.2 million for amortization of units
awarded to LM Capital Markets associates, severance, and contractually based
compensation above standard performance based compensation; 2) $24.9 million in
connection with the Ryan Beck acquisition, primarily related to the acceleration
of vesting arising from the amendment of the Ryan Beck deferred compensation
plans; and 3) compensation expense related to the amortization of employee
loans and restricted stock units issued for the Ryan Beck retention program.
The Ryan Beck deferred compensation plans were amended to reduce the service
requirement for vesting in the plans. For the twelve months ended December 31,
2006 compensation and benefits includes $39.8 million consisting of 1) a
compensation charge of approximately $9.8 million for the difference between
the $16.67 per share offering price and the grant date fair value of $22.85 per
share for the private placement of its common stock to key associates of the LM
Capital Markets business; and 2) compensation charges of $30.0 million for
amortization of units awarded to LM Capital Markets associates, severance, and
contractually based compensation above standard performance based compensation.
</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Occupancy and equipment
rental increased 88% to $57.8 million from $30.8 million in 2006. These costs
were approximately 8% and 7% of net revenues in 2007 and 2006, respectively.
Communications and office supplies, commissions and floor brokerage expenses,
and other operating expenses all increased proportionately to net revenues,
representing approximately 6%, 1%, and 7% of net revenues, respectively, for
each period. The increased expenses are primarily due to the acquisitions and
continued expansion of the Private Client Group. Included in 2007 other
operating expenses is a $1.3 million charge for the write off of deferred
issuance costs related to the 9% Stifel Financial Capital Trust I Cumulative Preferred
Securities called on July 13, 2007.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The provision for income
taxes was $21.7 million in 2007, representing an effective tax rate of 40.3% in
2007, compared to $10.9 million in 2006, representing an effective tax rate of
41.5% in 2006. The decrease in the effective tax rate is primarily attributable
to lower amounts of non-deductible permanent items in relation to pre-tax net
income. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Net income increased
$16.7 million, or 108%, to $32.2 million in 2007 compared to $15.4 million in
2006. The 2007 results include approximately $25.1 million in pre-tax
acquisition related charges resulting from the LM Capital Markets acquisition,
primarily stock-based compensation discussed previously, and $31.7 million in
connection with the Ryan Beck acquisition, principally consisting of $24.9
million of compensation and benefits expenses discussed previously, and
approximately $6.4 million of other non-compensation charges. The 2006 results
include approximately $41.4 million in pre-tax acquisition-related charges,
resulting from the LM Capital Markets acquisition discussed previously. The
2007 results also include a $3.8 million gain before certain expenses and taxes
on the extinguishment of $10.0 million of 6.78% Stifel Financial Capital Trust
IV Cumulative Preferred Securities in December 2007, while the 2006 results
include a $5.5 million pre-tax gain resulting from the sale of NYSE Group
shares and the subsequent market adjustment of remaining NYSE Group shares
related to our NYSE seat. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Segment Analysis</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our reportable segments
include the Private Client Group, Equity Capital Markets, Fixed Income Capital
Markets, Stifel Bank, and Other.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Private Client Group
segment includes branch offices and independent contractor offices of our broker-dealer
subsidiaries located throughout the U.S., primarily in the Midwest and
Mid-Atlantic regions with a growing presence in the Northeast, Southeast and Western United States. These branches provide securities brokerage services, including the
sale of equities, mutual funds, fixed income products, and insurance, as well
as offering banking products to their private clients through Stifel Bank.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Equity Capital
Markets segment includes corporate finance management and participation in
underwritings (exclusive of sales credits, which are included in the Private
Client Group segment), mergers and acquisitions, institutional sales, trading,
research, and market making.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Fixed Income Capital
Markets segment includes public finance, institutional sales and competitive
underwriting, and trading.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Stifel Bank segment
includes the results of operations beginning prospectively from the date of
acquisition on April 2, 2007 and includes residential, consumer, and commercial
lending activities, as well as FDIC-insured deposit accounts to customers of our
broker-dealer subsidiaries and to the general public.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Other segment
includes interest income from stock borrow activities, unallocated interest
expense, interest income and gains and losses from investments held, and all
unallocated overhead cost associated with the execution of orders; processing
of securities transactions; custody of client securities; receipt, identification,
and delivery of funds and securities; compliance with regulatory and legal
requirements; internal financial accounting and controls; acquisition charges
related to the LM Capital Markets and Ryan Beck acquisitions, and general
administration.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We evaluate the
performance of our segments and allocate resources to them based on various
factors, including prospects for growth, return on investment, and return on
revenues.</p>

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<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Private Client
Group</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Private Client Group segment for the years
indicated:</p>

<div align="center">
	<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='width:1022px;margin-left:-.05in;border-collapse:collapse'>
 <tr style='height:13.45pt'>
  <td valign=top style='width:323px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=8 valign=top style='width:671px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Years Ended</b></p>
  </td>
 </tr>
 <tr style='height:13.45pt'>
  <td valign=top style='width:323px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:171px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:60px;border-top:1.0pt solid windowtext;
  height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:155px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:55px;border-top:1.0pt solid windowtext;
  height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:175px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2006</b></p>
  </td>
 </tr>
 <tr style='height:22.45pt'>
  <td valign=top style='width:323px;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  <i>(in thousands</i>)</b></p>
  </td>
  <td valign=top style='width:90px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>%
  of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:74px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:55px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:93px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'><b>Revenues:</b></p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:60px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:55px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Commissions and
  principal transactions </p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 316,120</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 69%</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 12%</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 281,350</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 65%</p>
  </td>
  <td valign=top style='width:55px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 85%</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 152,059</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 66%</p>
  </td>
 </tr>
 <tr style='height:4.95pt'>
  <td valign=top style='width:323px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Investment banking</p>
  </td>
  <td valign=top style='width:90px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,515</p>
  </td>
  <td valign=top style='width:67px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='width:60px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (61)</p>
  </td>
  <td valign=top style='width:74px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40,071</p>
  </td>
  <td valign=top style='width:67px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
  <td valign=top style='width:55px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 201</p>
  </td>
  <td valign=top style='width:93px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,294</p>
  </td>
  <td valign=top style='width:67px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Asset management and
  service fees </p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 119,047</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 26</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 101,128</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 23</p>
  </td>
  <td valign=top style='width:55px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 75</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,657</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 25</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Interest</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,954</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (27)</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,241</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
  <td valign=top style='width:55px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 54</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,281</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (816)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; n/m</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,054</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:55px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 716</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 472,820</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 103</p>
  </td>
  <td valign=top style='width:60px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 454,844</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 104</p>
  </td>
  <td valign=top style='width:55px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 86</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 244,007</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 106</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Interest expense </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,389</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (41)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,133</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:55px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 51</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,643</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 461,431</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 435,711</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:55px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 88</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 231,364</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:60px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:55px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Employee compensation
  and benefits</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 285,641</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 62</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 274,115</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 63</p>
  </td>
  <td valign=top style='width:55px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 90</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 144,390</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 62</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Occupancy and equipment
  rental</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,172</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,625</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
  <td valign=top style='width:55px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 102</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,137</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Communication and
  office supplies </p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,913</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,781</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='width:55px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 97</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,014</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Commissions and floor
  brokerage</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,452</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6)</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,747</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
  <td valign=top style='width:55px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,643</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other operating
  expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,775</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,090</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:55px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 72</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,962</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 363,953</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 79</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 340,358</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 78</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:55px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 88</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 181,146</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 78</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:323px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 97,478</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 21%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 95,353</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 22%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:55px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 90%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 50,218</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 22%</p>
  </td>
 </tr>
</table>

</div>
<blockquote>
	<blockquote>
		<blockquote>
			<blockquote>
				<blockquote>
					<p class=MsoNormal style='margin-top:6.0pt'>nm - Not meaningful</p>
				</blockquote>
			</blockquote>
		</blockquote>
	</blockquote>
</blockquote>
<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:489.4pt;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:.15in'>
  <td width=261 valign=top style='width:195.4pt;padding:0in 5.4pt 0in 5.4pt;
  height:.15in'>

  </td>
  <td width=136 valign=top style='width:102.2pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:.15in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td width=128 valign=top style='width:96.2pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:.15in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
  <td width=127 valign=top style='width:95.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:.15in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2006</b></p>
  </td>
 </tr>
 <tr style='height:11.7pt'>
  <td width=261 valign=top style='width:195.4pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Branch
  offices (actual)</p>
  </td>
  <td width=136 valign=top style='width:102.2pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:32.05pt;margin-bottom:.0001pt;text-align:right;
  text-indent:-32.05pt'>196</p>
  </td>
  <td width=128 valign=top style='width:96.2pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:32.05pt;margin-bottom:.0001pt;text-align:right;
  text-indent:-32.05pt'>148</p>
  </td>
  <td width=127 valign=top style='width:95.6pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>111</p>
  </td>
 </tr>
 <tr>
  <td width=261 valign=top style='width:195.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Financial
  advisors (actual)</p>
  </td>
  <td width=136 valign=top style='width:102.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>1,142</p>
  </td>
  <td width=128 valign=top style='width:96.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>966</p>
  </td>
  <td width=127 valign=top style='width:95.6pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>556</p>
  </td>
 </tr>
 <tr>
  <td width=261 valign=top style='width:195.4pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Independent
  contractors (actual)</p>
  </td>
  <td width=136 valign=top style='width:102.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>173</p>
  </td>
  <td width=128 valign=top style='width:96.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>197</p>
  </td>
  <td width=127 valign=top style='width:95.6pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>179</p>
  </td>
 </tr>
 <tr>
  <td width=261 valign=top style='width:195.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoBodyText2 align=center style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:center'><u>&nbsp;</u></p>
  </td>
  <td width=136 valign=top style='width:102.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=128 valign=top style='width:96.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=127 valign=top style='width:95.6pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=261 valign=top style='width:195.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Assets
  in Fee-based Accounts</b></p>
  </td>
  <td width=136 valign=top style='width:102.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=128 valign=top style='width:96.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=127 valign=top style='width:95.6pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=261 valign=top style='width:195.4pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Value
  (in thousands)</p>
  </td>
  <td width=136 valign=top style='width:102.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:22.4pt;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 5,775,565</p>
  </td>
  <td width=128 valign=top style='width:96.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:23.7pt;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; 6,668,882</p>
  </td>
  <td width=127 valign=top style='width:95.6pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:26.5pt;margin-bottom:.0001pt;text-align:right'>$&nbsp; 3,692,655</p>
  </td>
 </tr>
 <tr style='height:.1in'>
  <td width=261 valign=top style='width:195.4pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoNormal>Number
  of accounts (actual)</p>
  </td>
  <td width=136 valign=top style='width:102.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>24,177</p>
  </td>
  <td width=128 valign=top style='width:96.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>21,803</p>
  </td>
  <td width=127 valign=top style='width:95.6pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>13,010</p>
  </td>
 </tr>
</table>

</div>

<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt'><b><i>2008 Compared To 2007 - Private Client
Group</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Private Client Group net
revenues increased 6% to a record $461.4 million in 2008, compared to $435.7
million in 2007 as a result of increases in commissions and principal
transactions and asset management and service fees, partially offset by a decrease
in investment banking revenues and other revenues. Commissions and principal
transactions increased primarily due to the increased number of branch
locations resulting from the Ryan Beck acquisition and the continued expansion
of the Private Client Group and an increase in the number of financial advisors
as indicated in the table above. Investment banking, which represents sales
credits for investment banking underwritings, decreased 61%, principally
reflecting a decline in industry-wide equity offerings. Asset management and
service fees increased principally due to increased distribution fees for money market
funds, principally FDIC insured accounts, attributable principally to the Ryan
Beck acquisition and the continued growth of the Private Client Group, offset
by a 13% decrease in the value of assets in fee-based accounts. Other revenues
decreased principally due to losses on investments to hedge financial advisors'
deferred compensation in 2008 compared to investment gains in 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenues for the
Private Client Group decreased 27% to $23.0 million in 2008 compared to $31.2
million in 2007, principally due to lower average interest rates on customer
margin borrowing to finance trading activity and lower average customer margin
balances. Interest expense decreased 41% to $11.4 million in 2008 compared to
$19.1 million for the prior year, principally as a result of decreased interest
rates charged by banks on decreased levels of borrowings to finance customer
borrowings. </p>

<p class=MsoFooter align=center style='text-align:center'>37</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b></p>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
increased 7% to $364.0 million in 2008 compared to $340.4 million 2007.
Employee compensation and benefits increased 4% principally as a result of
increased variable compensation, which increased in conjunction with increased
production, and increased fixed compensation as a result of the Ryan Beck
acquisition and the continued expansion of the Private Client Group. Employee
compensation and benefits includes transition pay of $27.0 million (6% of net
revenues) and $22.6 million (5% of net revenues) in 2008 and 2007,
respectively, principally in the form of upfront notes and accelerated payouts
in relation to our expansion efforts and retention awards issued in connection
with the Ryan Beck acquisition. As a percentage of net revenues, employee
compensation and benefits decreased to 62% in 2008 compared to 63% in 2007 as a
result of increased net revenues and the conversion of Ryan Beck financial
advisors to the Stifel Nicolaus lower payout schedule effective January 1,
2008. Other non-employee compensation and benefits expenses increased
principally due to the increase in new branch offices and financial advisors,
and the increased depreciation expense associated with the investment in
infrastructure, primarily communication and quote equipment, for the Ryan Beck
offices.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes for the Private Client Group increased 2% to $97.5 million in 2008
compared to $95.4 million in 2007 as a result of increased net revenues and the
scalability of increased production. </p>

<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt'><b><i>2007 Compared To 2006 - Private Client
Group</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Private Client Group net
revenues increased 88% to a record $435.7 million in 2007 compared to $231.4
million in 2006. Commissions and principal transactions increased primarily due
to the increased number of branch locations and financial advisors and an
increase in the average annual production per financial advisor. Average annual
production per financial advisor for financial advisors employed greater than
one year, excluding Ryan Beck financial advisors, increased 11% to $0.4 million.
Sales credits from Investment banking increased due to increased activity,
principally corporate finance as a result of the increased number of completed
transactions for equity underwritings. Asset management and service fees
increased principally due to increased wrap fees, resulting from an increase in
the number and value of managed accounts. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenues for
the Private Client Group increased as a result of increased rates charged to
customers for margin borrowings to finance trading activity. Interest expense
increased as a result of increased rates from banks to finance those customer
borrowings. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
increased 88% to $340.4 million compared to $181.1 million in 2006. Employee
compensation and benefits increased 90% principally as a result of increased
variable compensation, which increased in conjunction with increased production
and increased fixed compensation as a result of our continued expansion of the Private
Client Group. Employee compensation and benefits includes transition pay of
$22.6 million (5% of net revenues) and $11.7 million (5% of net revenues) in
2007 and 2006, respectively, principally in the form of upfront notes and
accelerated payouts in connection with our expansion efforts and retention
awards issued in connection with the Ryan Beck acquisition. As a percentage of
net revenues, employee compensation and benefits increased to approximately 63%
in 2007 compared to approximately 62% in 2006. Other non-employee compensation
and benefits expenses increased proportionately with the increase in net
revenues. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes for the Private Client Group increased 90% to $95.4 million in 2007
compared to $50.2 million in 2006 as a result of increased net revenues and the
leverage in increased production. </p>

<p class=MsoFooter align=center style='text-align:center'>38</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt' align="left"><b><i>Results of Operations - Equity Capital
Markets</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Equity Capital Markets segment for the years
indicated:</p>

<div align="center">
	<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='width:1027px;margin-left:-8.1pt;border-collapse:collapse'>
 <tr style='height:13.45pt'>
  <td valign=top style='width:303px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=10 valign=top style='width:696px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Years Ended</b></p>
  </td>
 </tr>
 <tr style='height:13.45pt'>
  <td valign=top style='width:303px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:220px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:54px;border-top:1.0pt solid windowtext;
  height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:154px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:56px;border-top:1.0pt solid windowtext;
  height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:156px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2006</b></p>
  </td>
 </tr>
 <tr style='height:22.45pt'>
  <td valign=top style='width:303px;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  <i>(in thousands</i>)</b></p>
  </td>
  <td colspan=2 valign=top style='width:139px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>%
  of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:54px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:73px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:75px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td colspan=2 valign=bottom style='width:56px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'><b>Revenues:</b></p>
  </td>
  <td colspan=2 valign=top style='width:139px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:54px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:73px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:56px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=2 valign=top style='width:56px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Commissions and
  principal transactions </p>
  </td>
  <td colspan=2 valign=top style='width:139px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 159,629</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 74%</p>
  </td>
  <td valign=top style='width:54px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 33%</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 120,204</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 50%</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31%</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 91,547</p>
  </td>
  <td colspan=2 valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 61%</p>
  </td>
 </tr>
 <tr style='height:4.95pt'>
  <td valign=top style='width:303px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Investment banking</p>
  </td>
  <td colspan=2 valign=top style='width:139px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 54,538</p>
  </td>
  <td valign=top style='width:67px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 25</p>
  </td>
  <td valign=top style='width:54px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (53)</p>
  </td>
  <td valign=top style='width:73px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 116,926</p>
  </td>
  <td valign=top style='width:67px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 49</p>
  </td>
  <td valign=top style='width:56px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 104</p>
  </td>
  <td valign=top style='width:75px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,233</p>
  </td>
  <td colspan=2 valign=top style='width:56px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 38</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:139px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,619</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:54px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,577</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,462</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td colspan=2 valign=top style='width:139px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 215,786</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='width:54px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (10)</p>
  </td>
  <td valign=top style='width:73px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 238,707</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='width:56px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59</p>
  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 150,242</p>
  </td>
  <td colspan=2 valign=top style='width:56px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Interest expense </p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:139px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 239</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:54px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (63)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 643</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 215</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 204</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:139px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 215,547</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:54px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (10)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 238,064</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 150,038</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td colspan=2 valign=top style='width:139px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:54px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:73px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:56px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td colspan=2 valign=top style='width:56px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Employee compensation
  and benefits</p>
  </td>
  <td colspan=2 valign=top style='width:139px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 135,520</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 63</p>
  </td>
  <td valign=top style='width:54px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6)</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 143,718</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 60</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 64</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 87,840</p>
  </td>
  <td colspan=2 valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 59</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Occupancy and equipment
  rental</p>
  </td>
  <td colspan=2 valign=top style='width:139px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,534</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5</p>
  </td>
  <td valign=top style='width:54px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,431</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,686</p>
  </td>
  <td colspan=2 valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Communication and office
  supplies </p>
  </td>
  <td colspan=2 valign=top style='width:139px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,330</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
  <td valign=top style='width:54px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (9)</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,739</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,888</p>
  </td>
  <td colspan=2 valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Commissions and floor
  brokerage</p>
  </td>
  <td colspan=2 valign=top style='width:139px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,397</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='width:54px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 178</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,023</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,655</p>
  </td>
  <td colspan=2 valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other operating
  expenses</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:139px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,308</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:54px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,495</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 29</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,010</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:139px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 186,089</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 86</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:54px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 185,406</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 78</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 118,079</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 79</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:303px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:139px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 29,458</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 14%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:54px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (44)%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 52,658</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 22%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 65%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 31,959</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 21%</p>
  </td>
 </tr>
 <tr style='height:13.45pt'>
  <td width=212 colspan=2 valign=top style='width:159.35pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.45pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=546 colspan=8 valign=top style='width:409.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.45pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=78><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr height=0>
  <td width=317 style='border:none'></td>
  <td width=48 style='border:none'></td>
  <td width=105 style='border:none'></td>
  <td width=81 style='border:none'></td>
  <td width=68 style='border:none'></td>
  <td width=87 style='border:none'></td>
  <td width=81 style='border:none'></td>
  <td width=70 style='border:none'></td>
  <td width=89 style='border:none'></td>
  <td width=3 style='border:none'></td>
  <td width=78 style='border:none'></td>
 </tr>
</table>

</div>

<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt'><b><i>2008 Compared to 2007 - Equity Capital
Markets</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Equity Capital Markets recorded
net revenues of $215.5 million in 2008, a decrease of 10% compared to $238.1
million in 2007, principally due to the decrease in investment banking activity
resulting from the industry-wide difficult capital market conditions, partially
offset by increased commissions and principal transactions, which increased 33%
to $159.6 million. Investment banking revenues decreased 53% to $54.5 million
in 2008, reflecting a 54% decrease in financial advisory fees to $32.7 million
and a 52% decrease in equity financing revenues to $21.9 million. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
increased $0.7 million to $186.1 million in 2008 compared to $185.4 million in
2007. Employee compensation and benefits as a percentage of net revenues
increased to 63% in 2008 compared to 60% in 2007, principally due to increased
fixed compensation and benefits associated with our expansion of the Equity
Capital Markets segment and decreased net revenues. Increases in occupancy and
equipment rental, commission and floor brokerage, and other operating expenses
can be attributed to our expansion of the Equity Capital Markets segment,
including the Ryan Beck acquisition, and increased expenses associated with the
new downtown Baltimore location for our capital markets operations, which was
occupied beginning in the fall of 2007. Additionally, with our change in a
third party vendor for services, $6.1 million previously recorded as
communication and office supplies are now being recorded as commission and
floor brokerage.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes decreased 44% to $29.5 million in 2008 compared to $52.7 million in 2007,
principally as a result of the increased costs attributable to the growth of
the segment and the decrease in investment banking revenues during 2008.</p>

<p class=MsoFooter align=center style='text-align:center'>39</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt'><b><i>2007 Compared to 2006 - Equity Capital
Markets</i></b></p>
</blockquote>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Equity Capital Markets
recorded record net revenues of $238.1 million in 2007, an increase of 59%
compared to the $150.0 million in 2006, principally due to increased
commissions and principal transactions which increased 31% to $120.2 million
and increased investment banking revenue which increased 104% to $116.9 million.
Investment banking revenue increased principally due to financial advisory fees
of $71.5 million, a 93% increase compared to 2006, and equity financing revenue
of $45.4 million, up 126% compared to 2006. During the second quarter of 2007, we
closed on a significant corporate finance investment banking transaction which
contributed approximately $24.7 million in revenue.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
increased 57% to $185.4 million in 2007 compared to $118.1 million in 2006
principally due to a 64% increase in employee compensation and benefits to
$143.7 million in 2007 compared to $87.8 million in 2006. The increase in
employee compensation and benefits is primarily due to an increase in variable
compensation associated with increased revenue. As a percentage of net
revenues, employee compensation and benefits was approximately 60% and 59% in
2007 and 2006, respectively. Increases in all non-compensation expense
categories can be attributed to the increased revenue and the acquisition of
Ryan Beck.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes increased 65% to $52.7 million in 2007 compared to $32.0 million in 2006
as a result of the 59% increase in net revenues and the leverage in increased
production. </p>

<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Fixed Income
Capital Markets</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Fixed Income Capital Markets segment for the years
indicated:</p>

<div align="center">
	<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 style='width:1106px;margin-left:-12.6pt;border-collapse:collapse'>
 <tr style='height:8.95pt'>
  <td colspan=12 valign=top style='height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align="center"><b>&nbsp;Years Ended</b></p>
  </td>
 </tr>
 <tr style='height:13.45pt'>
  <td valign=top style='width:250px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:196px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:85px;border-top:1.0pt solid windowtext;
  height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:209px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:82px;border-top:1.0pt solid windowtext;
  height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:204px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2006</b></p>
  </td>
 </tr>
 <tr style='height:22.45pt'>
  <td valign=top style='width:250px;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  <i>(in thousands</i>)</b></p>
  </td>
  <td colspan=3 valign=top style='width:96px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:85px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>%
  of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:102px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:93px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:106px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td colspan=2 valign=bottom style='width:84px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'><b>Revenues:</b></p>
  </td>
  <td colspan=3 valign=top style='width:96px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=2 valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'><a
  name="_Hlk221081315">Commissions
  and principal transactions </a></p>
  </td>
  <td colspan=3 valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 158,625</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 90%</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp; 198%</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 53,164</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 82%</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27%</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 41,816</p>
  </td>
  <td colspan=2 valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 78%</p>
  </td>
 </tr>
 <tr style='height:4.95pt'>
  <td valign=top style='width:250px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Investment banking</p>
  </td>
  <td colspan=3 valign=top style='width:96px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,658</p>
  </td>
  <td valign=top style='width:85px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='width:85px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='width:102px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,647</p>
  </td>
  <td valign=top style='width:93px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 19</p>
  </td>
  <td valign=top style='width:82px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='width:106px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,330</p>
  </td>
  <td colspan=2 valign=top style='width:84px;height:4.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 23</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Interest</p>
  </td>
  <td colspan=3 valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,871</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (56)</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,954</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 31</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,231</p>
  </td>
  <td colspan=2 valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 36</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other</p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 200</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td colspan=3 valign=top style='width:96px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 181,172</p>
  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 103</p>
  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 111</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 85,777</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 132</p>
  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17</p>
  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 73,381</p>
  </td>
  <td colspan=2 valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 137</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Interest expense </p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,992</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (71)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,910</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 32</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,811</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 37</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 175,180</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 170</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 64,867</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,570</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td colspan=3 valign=top style='width:96px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td colspan=2 valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Employee compensation
  and benefits</p>
  </td>
  <td colspan=3 valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,159</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 56</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 121</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 44,427</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 69</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,163</p>
  </td>
  <td colspan=2 valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 62</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Occupancy and equipment
  rental</p>
  </td>
  <td colspan=3 valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,660</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,373</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,304</p>
  </td>
  <td colspan=2 valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Communication and
  office supplies </p>
  </td>
  <td colspan=3 valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,757</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,140</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,461</p>
  </td>
  <td colspan=2 valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Commissions and floor
  brokerage</p>
  </td>
  <td colspan=3 valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 409</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 89</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 216</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 137</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 91</p>
  </td>
  <td colspan=2 valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other operating
  expenses</p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,760</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,520</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,931</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 112,745</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 64</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 99</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 56,676</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 87</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42,950</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 80</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:250px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 62,435</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 36%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,191</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 13%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (23)%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 10,620</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 20%</p>
  </td>
 </tr>
 <tr height=0>
  <td width=264 style='border:none'></td>
  <td width=1 style='border:none'></td>
  <td width=1 style='border:none'></td>
  <td width=105 style='border:none'></td>
  <td width=99 style='border:none'></td>
  <td width=99 style='border:none'></td>
  <td width=116 style='border:none'></td>
  <td width=107 style='border:none'></td>
  <td width=96 style='border:none'></td>
  <td width=120 style='border:none'></td>
  <td width=96 style='border:none'></td>
  <td width=2 style='border:none'></td>
 </tr>
</table>

</div>

<p class=MsoNormal>nm
- Not meaningful</p>

<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt'><b><i>2008 Compared to 2007- Fixed Income Capital
Markets</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Fixed Income Capital
Markets net revenues in 2008 increased 170% to a record $175.2 million compared
to net revenues of $64.9 million in 2007, principally due to an increase in
principal transactions, primarily corporate debt, municipal debt, and
mortgage-backed bonds due to turbulent markets and institutional customers
returning to traditional fixed income products. Interest revenues decreased 56%
to $8.9 million principally as a result of decreased fixed income inventory
held for sale to clients. Interest expense decreased 71% to $6.0 million as a
result of decreased interest expense incurred to carry the lower levels of such
inventory. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
increased $56.1 million or 99% to $112.7 million in 2008 principally due to a 121%
increase in employee compensation and benefits, which primarily increased as a
result of increased
productivity.
Employee
compensation and benefits as a percentage of net revenues decreased to 56% in
2008 from 69% in 2007, reflecting the increased production. Occupancy and equipment
rental, communications and office supplies, and other operating expenses
increased principally due to office expansion. </p>

<p class=MsoFooter align=center style='text-align:center'>40</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes increased $54.2 million to $62.4 million in 2008 from $8.2 million in
2007 as a result of the increased net revenues and the scalability of increased
production.</p>

<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>2007 Compared to
2006 - Fixed Income Capital Markets</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Fixed Income Capital
Markets net revenues in 2007 increased 21% to a record $64.9 million compared
to 2006 net revenues of $53.6 million, principally due to an increase in
commissions and principal transactions. For the year, investment banking
revenues were essentially flat; however, for the fourth quarter of 2007,
investment banking revenues decreased $3.6 million compared to the year-ago
quarter primarily due to the decrease in interest rates that began in the third
quarter and the resultant weaker bond market. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenue
increased $0.7 million principally as a result of increased interest received
on increased levels of fixed income inventory held for sale to clients for the
year. Interest expense increased $1.1 million as a result of increased interest
expense incurred to carry that inventory. As noted previously, we reduced our inventory
in fixed income products during the third quarter of 2007 due to trading losses
associated with the reduction in long-term interest rates and widening of
credit spreads.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
increased $13.7 million or 32% to $56.7 million primarily due to a 34% increase
in employee compensation and benefits which increased as a result of increased
transition pay for the institutional fixed income sales force, increased variable
compensation resulting from increased productivity, and increased fixed
compensation associated with an increase in number of offices and personnel. Employee compensation
and benefits as a percentage of net revenue increased to 69% in 2007 from 62%
in 2006 primarily due to increased transition pay and fixed compensation as a
result of office expansion. Occupancy and equipment rental, communications and office
supplies, and other operating expenses increased principally due to office
expansion. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes decreased 23% to $8.2 million from $10.6 million in 2006 principally as a
result of increased non-interest expenses due to office expansions.</p>

<blockquote>
	<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Stifel Bank</i></b></p>
</blockquote>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Stifel Bank segment for the years indicated. The
results of operations related to Stifel Bank, acquired on April 2, 2007, are
only included in the consolidated statements of operations beginning
prospectively from the date of acquisition.</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:770px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:8.95pt'>
  <td width=223 colspan=2 valign=top style='width:167.25pt;padding:0in 5.4pt 0in 5.4pt;
  height:8.95pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=490 colspan=6><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr style='height:13.45pt'>
  <td valign=top style='width:264px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:216px;border-bottom:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:
  1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:169px;border-bottom:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
 </tr>
 <tr style='height:22.45pt'>
  <td valign=top style='width:264px;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  <i>(in thousands</i>)</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:83px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>%
  of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'><b>Revenues:</b></p>
  </td>
  <td colspan=3 valign=top style='width:119px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:65px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:68px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Interest</p>
  </td>
  <td colspan=3 valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 15,253</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 159%</p>
  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 60%</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,449</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 197%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other</p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (358)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (4)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 797</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 16</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td colspan=3 valign=top style='width:119px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,895</p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 155</p>
  </td>
  <td valign=top style='width:65px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,246</p>
  </td>
  <td valign=top style='width:68px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 213</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Interest expense </p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,321</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 55</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,446</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 113</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,574</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 99</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,800</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td colspan=3 valign=top style='width:119px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:65px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:68px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Employee compensation
  and benefits</p>
  </td>
  <td colspan=3 valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,566</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 37</p>
  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 121</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,613</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 34</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Occupancy and equipment
  rental</p>
  </td>
  <td colspan=3 valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,028</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 11</p>
  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 152</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 408</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Communication and
  office supplies </p>
  </td>
  <td colspan=3 valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 428</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5</p>
  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 219</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 134</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Provision for loan
  losses</p>
  </td>
  <td colspan=3 valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,923</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 20</p>
  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 245</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 558</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 11</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other operating
  expenses</p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,010</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 21</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,097</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 23</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,955</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 94</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 135</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,810</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 79</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:264px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 619</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (38)%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 990</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 21%</p>
  </td>
 </tr>
 <tr style='height:13.45pt'>
  <td width=226 colspan=3 valign=top style='width:169.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.45pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=487 colspan=5><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr height=0>
  <td width=278 style='border:none'></td>
  <td width=1 style='border:none'></td>
  <td width=3 style='border:none'></td>
  <td width=129 style='border:none'></td>
  <td width=97 style='border:none'></td>
  <td width=79 style='border:none'></td>
  <td width=101 style='border:none'></td>
  <td width=82 style='border:none'></td>
 </tr>
</table>

</div>
<blockquote>
	<blockquote>
		<blockquote>
			<blockquote>
				<blockquote>
					<blockquote>
						<blockquote>
							<blockquote>
								<p class=MsoNormal style='text-align:justify'>nm - Not meaningful</p>
							</blockquote>
						</blockquote>
					</blockquote>
				</blockquote>
			</blockquote>
		</blockquote>
	</blockquote>
</blockquote>



<p class=MsoFooter align=center style='text-align:center'>41</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On March 14, 2007, the
Federal Reserve Bank of St. Louis approved our application to become a bank
holding company. As such, we are required to meet capital requirements as
defined. See Note 17 of the Notes to the Consolidated Financial Statements for
the calculation of our Federal Reserve Capital Amounts.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The growth in Stifel
Bank has been primarily driven by the growth in deposits associated with
deposits of brokerage customer's of Stifel Nicolaus. At December 31, 2008, the
balance of Stifel Nicolaus brokerage customer deposits at Stifel Bank was $228.7
million compared to Stifel Nicolaus brokerage customer deposits of $118.2 million
at December 31, 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenues of $15.3
million in 2008 were generated from weighted average interest-earning assets of
$273.9 million at a weighted average interest rate of 5.57%. Interest revenues
of $9.4 million in 2007 were generated from weighted average interest-earning
assets of $188.0 million at a weighted average interest rate of 6.67%.
Interest-earning assets principally consist of residential, consumer, and
commercial lending activities, securities, and federal funds sold.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Other revenues
principally reflect the gain on sale of mortgage loans, which increased due to
the growth in mortgage loans originated and sold. The increase was offset by an impairment charge of $2.4
million on $4.0 million of asset backed securities recorded during the fourth
quarter. The reclassification of an unrealized mark-to-market loss on these
securities to an other-than-temporary charge to earnings was based upon a
detailed impairment analysis of these securities. Our conclusion considered the
financial condition and near-term prospects of the issuers, and the likelihood
of the market value of these instruments increasing to our initial cost basis
within a reasonable period of time.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest expense
represents interest on customer money market and savings accounts, interest on
time deposits and other interest expense. The weighted average balance of
interest-bearing liabilities during 2008 was $229.2 million at a weighted
average interest rate of 2.37%. The weighted average balance of interest-bearing
liabilities during 2007 was $152.3 million at a weighted average interest rate
of 4.79%. See &quot;Distribution of Assets, Liabilities and Stockholders' Equity;
Interest Rates and Interest Rate Differential&quot; in this section for more
information regarding average balances, interest income and expense, and
average interest rate yields.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
includes employee compensation and benefits, occupancy and equipment rental,
and communication and office supplies primarily related to Stifel Bank's branch
location and leased executive office space, the provision for loan losses, and
other operating expenses, principally legal and accounting, data processing,
and other miscellaneous expenses, all of which increased as a result of the growth
of the bank. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>During 2008, the
provision for loan loss charged to operations was $1.9 million, with
charge-offs of $1.2 million during the period. During 2007, the provision for
loan loss charged to operations was $0.6 million with charge-offs of $2,000 (actual)
fully recovered. Included in the loan portfolio at December 31, 2008 are
impaired loans totaling $0.6 million for which there are specific loss
allowances of $0.2 million compared to impaired loans totaling $0.7 million at
December 31, 2007 for which there were specific loss allowances of $0.3 million.
There were no other non-accruing loans and there were no accruing loans delinquent
90 days or more at December 31, 2008 and December 31, 2007. Stifel Bank has no
exposure to sub-prime mortgages.</p>

<p class=MsoFooter align=center style='text-align:center'>42</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The information required
by Securities Act Guide 3 - <i>Statistical Disclosure by Bank Holding Company</i>
is presented below:</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>I.&nbsp;&nbsp;&nbsp; Distribution of Assets, Liabilities and
Stockholders' Equity; Interest Rates and Interest Rate Differential</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The following table sets
forth a summary of average balances and interest rates for the year ended
December 31, 2008 and the period April 2 through December 31, 2007:</p>

<p class=MsoNormal><b>&nbsp;</b></p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:934px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:11.2pt'>
  <td valign=top style='width:295px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:295px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Year Ended</b></p>
  </td>
  <td colspan=3 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:302px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Period</b></p>
  </td>
 </tr>
 <tr style='height:17.05pt'>
  <td valign=top style='width:295px;height:17.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='width:295px;border:medium none;
  height:17.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td colspan=3 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:302px;border-bottom:1.0pt solid windowtext;height:17.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>April 2 - December 31,
  2007 *</b></p>
  </td>
 </tr>
 <tr style='height:38.2pt'>
  <td valign=top style='width:295px;height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  <br>
  <br>
  <i>(in thousands, except rates) </i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:100px;border-top:1.0pt solid windowtext;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Balance</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:80px;border-top:1.0pt solid windowtext;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Interest Income/<br>
  Expense</b></p>
  </td>
  <td valign=bottom style='width:87px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average Interest Rate</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Balance</b></p>
  </td>
  <td valign=bottom style='width:98px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Interest Income/<br>
  Expense</b></p>
  </td>
  <td valign=bottom style='width:79px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average Interest Rate</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Assets:</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:100px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:80px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:97px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:98px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Federal funds sold</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,027</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 214</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.14 %</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,717</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 944</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.10 %</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>U.S. Government
  agencies</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,361</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 824</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.17</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,490</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 897</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.57</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>State and political
  subdivisions-taxable</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,240</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 375</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.05</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,238</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 231</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.88</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>State and political
  subdivisions-non taxable <sup>(1)</sup></p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,530</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 58</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.81</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,527</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.32</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Mortgage backed
  securities</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,916</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,731</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.26</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,473</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 902</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.18</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Corporate bonds</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 926</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.12</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 664</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.18</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Asset backed securities</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,060</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,519</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.57</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,465</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 517</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.28</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>FHLB and other capital
  stock</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 991</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.82</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 503</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.05</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Loans<sup> (2)</sup></p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 170,244</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,807</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.76</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 104,945</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,816</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.39</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Loans held for sale</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,598</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:80px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 640</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.38</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Total interest-earning assets</p>
  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 273,893</p>
  </td>
  <td valign=top style='width:80px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,253</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.57 %</p>
  </td>
  <td valign=top style='width:97px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 188,022</p>
  </td>
  <td valign=top style='width:98px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,400</p>
  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.67 %</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Cash and due from banks</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,444</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,696</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other non-interest-earning
  assets</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,350</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,746</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:295px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Total assets</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 300,687</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 206,464</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
</table>



</div>
<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:933px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Liabilities:
  </b></p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Deposits: </p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Demand deposits</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,755</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 44</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.60 %</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,623</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.27 %</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt'>Money market</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 178,198</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,491</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.96</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 92,915</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,290</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.69</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Savings</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 339</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.97</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 495</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.42</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt'>Time deposits</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,287</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,600</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.41</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,490</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,982</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.94</p>
  </td>
 </tr>
 <tr style='height:4.0pt'>
  <td valign=top style='width:292px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>FHLB advances</p>
  </td>
  <td valign=top style='width:102px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,739</p>
  </td>
  <td valign=top style='width:82px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 275</p>
  </td>
  <td valign=top style='width:88px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.56</p>
  </td>
  <td valign=top style='width:98px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,642</p>
  </td>
  <td valign=top style='width:96px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 145</p>
  </td>
  <td valign=top style='width:77px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.32</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Federal funds and
  repurchase agreements</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 887</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:88px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.41</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 119</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:77px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.33</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Total interest-bearing liabilities</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 229,205</p>
  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,434</p>
  </td>
  <td valign=top style='width:88px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.37 %</p>
  </td>
  <td valign=top style='width:98px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 152,284</p>
  </td>
  <td valign=top style='width:96px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,469</p>
  </td>
  <td valign=top style='width:77px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.79 %</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Non-interest-bearing
  deposits</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,293</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,442</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other
  non-interest-bearing liabilities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,480</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 850</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Total liabilities</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 245,978</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:98px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 162,576</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Shareholders' equity</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 54,709</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43,888</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Total liabilities and shareholders' equity</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 300,687</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 206,464</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:88px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:98px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:77px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:292px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  interest margin</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,819</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:88px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.58 %</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,931</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:77px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.51 %</p>
  </td>
 </tr>
</table>

</div>

<p class=Notes style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:103.7pt;margin-bottom:.0001pt;text-indent:-103.7pt'>* Stifel Bank was acquired on April 2, 2007.</p>

<p class=Notes style='margin-left:103.7pt;text-indent:-103.7pt'><sup>(1)</sup> Due to immaterial amount of income recognized on
tax-exempt securities, yields were not calculated on a tax equivalent basis.</p>

<p class=MsoNormal style='margin-left:117.0pt;text-indent:-117.0pt'><sup>(2)</sup> Loans on non-accrual
status are included in average balances.</p>

<p class=MsoFooter align=center style='text-align:center'>43</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b></p>



<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The following table sets
forth an analysis of the effect on net interest income of volume and rate
changes for fiscal 2008 compared to the period April 2 through December 31,
2007. </p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:669px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.1pt'>
  <td valign=top style='width:301px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=bottom style='width:340px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2008 Compared to 2007</b></p>
  </td>
 </tr>
 <tr style='height:12.1pt'>
  <td valign=top style='width:301px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:340px;border-bottom:1.0pt solid windowtext;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Increase (Decrease) Due
  To</b></p>
  </td>
 </tr>
 <tr style='height:12.1pt'>
  <td valign=top style='width:301px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>(in
  thousands) </i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:
  1.0pt solid windowtext;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Volume</b></p>
  </td>
  <td valign=bottom style='width:100px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Rate</b></p>
  </td>
  <td valign=bottom style='width:107px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Total</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Interest
  income:</b></p>
  </td>
  <td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Federal funds sold</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (528)</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (516)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; (1,044)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>U.S. Government agencies</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (490)</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 118</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (372)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>State and political subdivisions-taxable</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 183</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (116)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 67</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>State and political subdivisions-non taxable</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Mortgage backed securities</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 729</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (201)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 528</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Corporate bonds</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (8)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Asset backed securities</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 801</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 829</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>FHLB and other capital stock</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (14)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Loans</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,041</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,988)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,053</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Loans held for sale</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 320</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 320</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 640</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:301px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:94px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,090</p>
  </td>
  <td valign=top style='width:100px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; (2,369)</p>
  </td>
  <td valign=top style='width:107px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,721</p>
  </td>
 </tr>
</table>



</div>
<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:662px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Interest
  expense:</b></p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Deposits:</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Demand deposits</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (35)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (9)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Money market accounts</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,574</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3,439)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (865)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Savings</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3)</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (9)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Time deposits</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (782)</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (261)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,043)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>FHLB
  advances</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 223</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (141)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 82</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Federal
  funds and repurchase agreements</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:297px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:104px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,056</p>
  </td>
  <td valign=top style='width:104px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; (3,884)</p>
  </td>
  <td valign=top style='width:107px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; (1,828)</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Increases and decreases
in interest income and operating interest expense result from changes in
average balances (volume) of interest-earning bank assets and liabilities, as
well as changes in average interest rates. The effect of changes in volume is
determined by multiplying the change in volume by the previous year's average
yield/cost. Similarly, the effect of rate changes is calculated by multiplying
the change in average yield/cost by the previous year's volume. Changes
applicable to both volume and rate have been allocated proportionately.</p>

<p class=MsoFooter align=center style='text-align:center'>44</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b></p>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b>II.&nbsp; Investment
Portfolio</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following tables provide a summary of
the amortized cost and fair values of available-for-sale and held-to maturity securities
for Stifel Bank at December 31, 2008 and 2007:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:848px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:13.45pt'>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.45pt'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:454px;border-bottom:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>December 31, 2008</b></p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><br>
  <i>(in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Amortized Cost</b></p>
  </td>
  <td valign=top style='width:113px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Gains</b></p>
  </td>
  <td valign=top style='width:82px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Losses</b></p>
  </td>
  <td valign=top style='width:131px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  <br>
  Fair Value</b></p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'><b>Available-for-sale:
  </b></p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:131px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>U.S.&nbsp;Government
  agencies</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,447</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 144</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:131px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,591</p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>State and political subdivisions</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,513</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1)</p>
  </td>
  <td valign=top style='width:131px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-agency collateralized</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,821</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (391)</p>
  </td>
  <td valign=top style='width:131px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-non-agency collateralized</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,091</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (5,669)</p>
  </td>
  <td valign=top style='width:131px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,422</p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,400</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (977)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:131px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,272</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 163</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (7,038)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:131px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:131px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'><b>Held-to-maturity:</b></p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:131px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=376 valign=top style='width:282.35pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:131px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
 </tr>
</table>



</div>
<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:845px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:13.45pt'>
  <td valign=top style='width:367px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:450px;border-bottom:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>December 31, 2007</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><br>
  <i>(in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Amortized Cost</b></p>
  </td>
  <td valign=top style='width:107px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Gains</b></p>
  </td>
  <td valign=top style='width:85px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Losses</b></p>
  </td>
  <td valign=top style='width:130px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  <br>
  Fair Value</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>Available-for-sale:
  </b></p>
  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:130px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>U.S. Government agencies</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,485</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 278</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1)</p>
  </td>
  <td valign=top style='width:130px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,762</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>State and political subdivisions</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,121</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:130px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,126</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-agency collateralized</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,465</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (10)</p>
  </td>
  <td valign=top style='width:130px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,455</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed securities-non-agency
  collateralized</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,444</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 232</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:130px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,676</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Corporate
  bonds</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,993</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (23)</p>
  </td>
  <td valign=top style='width:130px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,970</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,699</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,581)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:130px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,118</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 88,207</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 515</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,615)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:130px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 87,107</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:367px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:130px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The maturities and related
weighted-average yields of available-for-sale and held-to-maturity securities at
Stifel Bank at December 31, 2008 are as follows:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:891px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:19.3pt'>
  <td valign=top style='width:332px;height:19.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><i>(in thousands, except rates)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  height:19.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>Within 1 Year</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:78px;border-bottom:1.0pt solid windowtext;
  height:19.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  1-5 Years</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  height:19.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  5-10 Years</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.0pt solid windowtext;
  height:19.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>After 10 Years</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  height:19.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Total</b></p>
  </td>
 </tr>
 <tr style='height:13.9pt'>
  <td valign=top style='width:332px;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'><b>Available-for-sale*:</b></p>
  </td>
  <td valign=top style='width:92px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:78px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:91px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>U.S. Government agencies </p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:78px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,051</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,540</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,591</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>State and political subdivisions</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:78px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Mortgage-backed securities-agency collateralized</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:78px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Mortgage-backed securities-non-agency collateralized</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:78px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,502</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,920</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,422</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Asset-backed securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,012</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:78px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,411</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,012</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:78px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,993</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,042</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,350</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:78px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:91px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>Held-to-maturity:</b></p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:78px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:78px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:78px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:332px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Weighted-average yield</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.03%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:78px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.77%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.80%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.92%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.51%</p>
  </td>
 </tr>
</table>

</div>

<p class=Notes style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:9.0pt;margin-bottom:.0001pt;text-indent:0in'>*&nbsp; Due to immaterial amount of income recognized on
tax-exempt securities, yields were not calculated on a tax equivalent basis.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank did not hold
securities from any single issuer that exceeded ten percent of our company's
equity at December 31, 2008.</p>

<p class=MsoFooter align=center style='text-align:center'>45</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b></p>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b>III. </b><b>Loan Portfolio</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table provides a summary of
Stifel Bank's loan portfolio at December 31, 2008 and 2007:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:765px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.6pt'>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.6pt'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:201px;border-bottom:1.0pt solid windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>December 31, 2008</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:206px;border-bottom:1.0pt solid windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>December 31, 2007</b></p>
  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.6pt'>
  <p class=Notes style='text-indent:0in'><b><i>(in
  thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Balance</b></p>
  </td>
  <td valign=top style='width:86px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>%</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Balance</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>%</b></p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Commercial
  real estate</p>
  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 41,563</p>
  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22%</p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39,184</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30%</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Construction
  and land</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,968</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8%</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,447</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19%</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Commercial
  </p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,538</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15%</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,526</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25%</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Residential
  real estate</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,661</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30%</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,628</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21%</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Home
  equity lines of credit</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,612</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15%</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,524</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1%</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Consumer</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,628</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10%</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,474</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3%</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Other</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 570</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1%</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 187,004</p>
  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 128,353</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Unamortized
  loan origination costs, net of loan fees</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,038</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Loans in
  process</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3,878)</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Allowance
  for loan losses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2,448)</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,685)</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'><b>Bank
  loans, net</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 181,716</p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 126,668</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The maturities of the Stifel Bank loan
portfolio at December 31, 2008 are as follows:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=342 valign=top style='width:256.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><i>(in thousands)</i></b></p>
  </td>
  <td width=81 valign=top style='width:60.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>Within 1 Year</b></p>
  </td>
  <td width=88 valign=top style='width:66.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  <a name="OLE_LINK5">1-5 Years</a></b></p>
  </td>
  <td width=88 valign=top style='width:66.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Over 5 Years</b></p>
  </td>
  <td width=91 valign=top style='width:68.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='margin-right:.05in;text-align:center;
  text-indent:0in'><b><br>
  Total</b></p>
  </td>
 </tr>
 <tr style='height:13.9pt'>
  <td width=342 valign=top style='width:256.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.9pt'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Bank loans</p>
  </td>
  <td width=81 valign=top style='width:60.7pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;height:13.9pt'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 54,765</p>
  </td>
  <td width=88 valign=top style='width:66.1pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;height:13.9pt'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 102,711</p>
  </td>
  <td width=88 valign=top style='width:66.1pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;height:13.9pt'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 29,528</p>
  </td>
  <td width=91 valign=top style='width:68.1pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;height:13.9pt'>
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 187,004</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The sensitivity of loans with maturities
in excess of one year at December 31, 2008 is as follows:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.6pt'>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.6pt'>
  <p class=Notes style='text-indent:0in'><b><i>(in
  thousands)</i></b></p>
  </td>
  <td width=86 valign=top style='width:64.15pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.6pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>1-5 Years</b></p>
  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.6pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Over 5 years</b></p>
  </td>
  <td width=83 valign=top style='width:62.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.6pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Total</b></p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Loans
  with pre-determined interest rates</p>
  </td>
  <td width=86 valign=top style='width:64.15pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp; 87,455</p>
  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 4,317</p>
  </td>
  <td width=83 valign=top style='width:62.6pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp; 91,772</p>
  </td>
 </tr>
 <tr>
  <td width=327 valign=top style='width:245.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Loans
  with floating or adjustable interest rates</p>
  </td>
  <td width=86 valign=top style='width:64.15pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp; 15,256</p>
  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp; 25,211</p>
  </td>
  <td width=83 valign=top style='width:62.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp; 40,467</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Included in the loan
portfolio at December 31, 2008 and 2007 are impaired loans totaling $0.6
million and $0.7 million, respectively, for which there are specific loss
allowances of $0.2 million and $0.3 million, respectively. There were no other
non-accruing loans and there were no accruing loans delinquent 90 days or more
at December 31, 2008 and 2007. The gross interest income related to impaired
and non-accruing loans, which would have been recorded had these loans been
current in accordance with their original terms, and the interest income
recognized on these loans during the year were immaterial to the consolidated
financial statements. There were no troubled debt restructurings during the
years ended December 31, 2008 and 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>See the section entitled
&quot;Critical Accounting Policies and Estimates&quot; herein regarding Stifel Bank's
policies for establishing loan loss reserves, including placing loans on
non-accrual status.</p>

<p class=MsoFooter align=center style='text-align:center'>46</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b></p>



<p class=MsoNormal style='margin-top:6.0pt'><b>VI. Summary of Loan Loss Experience</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>Changes in the allowance for loan losses
at Stifel Bank for the year ended December 31, 2008 and the period April 2,
2007 to December 31, 2007 are as follows:</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:818px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:127px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Period</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i><br>
  <br>
  (in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:127px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  </i>December 31, 2008</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>April 2 to December 31, 2007</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Allowance
  for loan losses, beginning of period</p>
  </td>
  <td valign=top style='width:127px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,685</p>
  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-right:-5.4pt;text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Acquisition
  of Stifel Bank &amp; Trust</p>
  </td>
  <td valign=top style='width:127px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,127</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Provision
  for loan loss charged to operations</p>
  </td>
  <td valign=top style='width:127px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,923</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 558</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Charge-offs:</p>
  </td>
  <td valign=top style='width:127px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:8.1pt'>Commercial
  real estate</p>
  </td>
  <td valign=top style='width:127px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (253)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:8.1pt'>Real
  estate construction loans</p>
  </td>
  <td valign=top style='width:127px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (414)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:8.1pt'>Construction
  and land</p>
  </td>
  <td valign=top style='width:127px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (493)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Recoveries:</p>
  </td>
  <td valign=top style='width:127px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:8.1pt'>Commercial</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:127px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Net
  charge-offs</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:127px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,160)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Allowances
  for loan losses, end of period</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:127px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,448</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,685</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:536px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Ratio of
  net charge-offs during the period to average loans outstanding during the
  period</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:127px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.64 %</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.00 %</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>The provision for loan
loss charged to operations was increased during the current year to account for
the growth in the loan portfolio, recent loss history, the current economic
environment, and the addition of new lending products (stock secured loans).</p>



<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>A breakdown of the allowance for loan losses at December 31,
2008 and 2007 is as follows:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=326 valign=top style='width:3.4in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=163 colspan=2 valign=top style='width:1.7in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>December 31, 2008</b></p>
  </td>
  <td width=163 colspan=2 valign=top style='width:1.7in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>December 31, 2007</b></p>
  </td>
 </tr>
 <tr>
  <td width=326 valign=top style='width:3.4in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'><br>
  <br>
  <b><i>($'s in thousands)</i></b></p>
  </td>
  <td width=79 valign=top style='width:58.95pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><br>
  <br>
  <b>Amount</b></p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Percentage of loans to total loans</b></p>
  </td>
  <td width=73 valign=top style='width:54.4pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  <br>
  Amount</b></p>
  </td>
  <td width=91 valign=top style='width:68.0pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Percentage of loans to total loans</b></p>
  </td>
 </tr>
 <tr>
  <td width=326 valign=top style='width:3.4in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Commercial
  real estate</p>
  </td>
  <td width=79 valign=top style='width:58.95pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,192</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30%</p>
  </td>
  <td width=73 valign=top style='width:54.4pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 972</p>
  </td>
  <td width=91 valign=top style='width:68.0pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50%</p>
  </td>
 </tr>
 <tr>
  <td width=326 valign=top style='width:3.4in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Commercial
  </p>
  </td>
  <td width=79 valign=top style='width:58.95pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 646</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15%</p>
  </td>
  <td width=73 valign=top style='width:54.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 56</p>
  </td>
  <td width=91 valign=top style='width:68.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25%</p>
  </td>
 </tr>
 <tr>
  <td width=326 valign=top style='width:3.4in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Residential
  real estate</p>
  </td>
  <td width=79 valign=top style='width:58.95pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 584</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45%</p>
  </td>
  <td width=73 valign=top style='width:54.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100</p>
  </td>
  <td width=91 valign=top style='width:68.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22%</p>
  </td>
 </tr>
 <tr>
  <td width=326 valign=top style='width:3.4in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Consumer</p>
  </td>
  <td width=79 valign=top style='width:58.95pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10%</p>
  </td>
  <td width=73 valign=top style='width:54.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8</p>
  </td>
  <td width=91 valign=top style='width:68.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3%</p>
  </td>
 </tr>
 <tr>
  <td width=326 valign=top style='width:3.4in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Unallocated</p>
  </td>
  <td width=79 valign=top style='width:58.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; n/a</p>
  </td>
  <td width=73 valign=top style='width:54.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 549</p>
  </td>
  <td width=91 valign=top style='width:68.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; n/a</p>
  </td>
 </tr>
 <tr>
  <td width=326 valign=top style='width:3.4in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=79 valign=top style='width:58.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,448</p>
  </td>
  <td width=85 valign=top style='width:63.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</p>
  </td>
  <td width=73 valign=top style='width:54.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,685</p>
  </td>
  <td width=91 valign=top style='width:68.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'><b>V.&nbsp;&nbsp; Deposits</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>The average balances of deposits at Stifel Bank and the
associated weighted-average interest rates are as follows:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:670px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=288 valign=top style='width:215.8pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:199px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Year Ended</b></p>
  </td>
  <td colspan=2 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:181px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Period</b></p>
  </td>
 </tr>
 <tr style='height:9.85pt'>
  <td width=288 valign=top style='width:215.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:9.85pt'>

  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:199px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td colspan=2 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:181px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>April 2 - December 31,
  2007</b></p>
  </td>
 </tr>
 <tr>
  <td width=288 valign=top style='width:215.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><br>
  ($'s
  <i>in thousands</i>)
  </b></p>
  </td>
  <td width=91 valign=bottom style='width:68.25pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Balance</b></p>
  </td>
  <td valign=bottom style='width:98px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average Interest Rate</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Balance</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average Interest Rate</b></p>
  </td>
 </tr>
 <tr>
  <td width=288 valign=top style='width:215.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Deposits:
  </p>
  </td>
  <td width=91 valign=top style='width:68.25pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
 </tr>
 <tr>
  <td width=288 valign=top style='width:215.8pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Non-interest
  bearing demand deposits</p>
  </td>
  <td width=91 valign=top style='width:68.25pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,293</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; n/a</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,442</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; n/a</p>
  </td>
 </tr>
 <tr>
  <td width=288 valign=top style='width:215.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Interest bearing
  demand deposits</p>
  </td>
  <td width=91 valign=top style='width:68.25pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 180,953</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.95%</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 94,538
  </p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.23%</p>
  </td>
 </tr>
 <tr>
  <td width=288 valign=top style='width:215.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Savings</p>
  </td>
  <td width=91 valign=top style='width:68.25pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 339</p>
  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; 0.97%</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 495</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.42%</p>
  </td>
 </tr>
 <tr>
  <td width=288 valign=top style='width:215.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Time deposits</p>
  </td>
  <td width=91 valign=top style='width:68.25pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,287
  </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.41%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,490
  </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.94%</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoFooter align=center style='text-align:center'>47</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b></p>



<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>The following table presents the deposits greater than
$100,000 by maturity at December 31, 2008:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=552 valign=top style='width:5.75in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'><b><i>(in
  thousands)</i></b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>2008</b></p>
  </td>
 </tr>
 <tr>
  <td width=552 valign=top style='width:5.75in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>0-3
  months </p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,845</p>
  </td>
 </tr>
 <tr>
  <td width=552 valign=top style='width:5.75in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>3-6
  months</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,443</p>
  </td>
 </tr>
 <tr>
  <td width=552 valign=top style='width:5.75in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>6-12
  months</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,167</p>
  </td>
 </tr>
 <tr>
  <td width=552 valign=top style='width:5.75in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Over 12 months</p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,211</p>
  </td>
 </tr>
 <tr>
  <td width=552 valign=top style='width:5.75in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,666</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'><b>VI.&nbsp;&nbsp;&nbsp; Return on Equity and Assets</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The information for Stifel Financial
Corp. as of and for the year ended December 31, 2008 and 2007 and the period
April 2 through December 31, 2007 is as follows:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=180 colspan=2 valign=top style='width:135.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Period</b></p>
  </td>
 </tr>
 <tr>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>2008</b></p>
  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>2007</b></p>
  </td>
 </tr>
 <tr>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Return
  on assets <sup>(1)</sup></p>
  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>3.32%</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>2.12%</p>
  </td>
 </tr>
 <tr>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Return
  on equity <sup>(2)</sup></p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>11.10%</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>8.24%</p>
  </td>
 </tr>
 <tr>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Dividend
  payout ratio</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-right:8.5pt;text-align:right;
  text-indent:0in'>n/a</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-right:9.0pt;text-align:right;
  text-indent:0in'>n/a</p>
  </td>
 </tr>
 <tr>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Equity
  to assets ratio <sup>(3)</sup></p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>29.90%</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>25.70%</p>
  </td>
 </tr>
 <tr>
  <td width=468 valign=top style='width:351.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-left:9.35pt'><sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp; Based on net income as a percentage of
average total assets.</p>

<p class=MsoNormal style='margin-left:9.35pt'><sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp; Based on net income as a percentage of
average total shareholders' equity.</p>

<p class=MsoNormal style='margin-left:9.35pt'><sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp; Based on average shareholders' equity as a
percentage of average total assets.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in'><b>VII.&nbsp;&nbsp; Short-Term
Borrowings</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>The following table sets forth a summary of Stifel Bank's
short-term borrowings as of December 31, 2008 and 2007:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:38.2pt'>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:38.2pt'>
  <p class=MsoNormal><b><br>
  <br>
  <i>($'s in thousands) </i></b></p>
  </td>
  <td width=111 valign=bottom style='width:83.3pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:38.2pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Stifel Nicolaus
  short-term borrowings</b></p>
  </td>
  <td width=96 valign=bottom style='width:72.25pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:38.2pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Stifel Nicolaus stock
  loan</b></p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Short-term
  borrowings:</b></p>
  </td>
  <td width=111 valign=top style='width:83.3pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=96 valign=top style='width:72.25pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:11.55pt;text-indent:-11.55pt'><b>2008:</b></p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:11.55pt;text-indent:-11.55pt'>Amounts outstanding at
  December 31, 2008</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,987</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:15.15pt'>Weighted average interest rate thereon</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --%</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.52%</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal></p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal></p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Maximum
  amount of borrowings outstanding at any month-end</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 265,300</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 162,888</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal></p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal></p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Average
  amounts outstanding</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 132,660</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 105,424</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:15.15pt'>Weighted-average interest rate thereon</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.28 %</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.47 %</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=111 valign=top style='width:83.3pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:72.25pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>2007:</b></p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:11.55pt;text-indent:-11.55pt'>Amounts outstanding at
  December 31, 2007</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 127,850</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 138,475</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:15.15pt'>Weighted average interest rate thereon</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.53 %</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.12 %</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Maximum
  amount of borrowings outstanding at any month-end</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 362,050</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 186,164</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Average
  amounts outstanding</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 156,778</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 119,590</p>
  </td>
 </tr>
 <tr>
  <td width=417 valign=top style='width:312.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:15.15pt'>Weighted-average interest rate thereon</p>
  </td>
  <td width=111 valign=top style='width:83.3pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.86 %</p>
  </td>
  <td width=96 valign=top style='width:72.25pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.82 %</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>48</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Other Segment</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Other segment for the periods presented:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:954px;margin-left:-.3in;border-collapse:collapse'>
 <tr style='height:8.95pt'>
  <td width=209 colspan=2 valign=top style='width:156.95pt;padding:0in 5.4pt 0in 5.4pt;
  height:8.95pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=9 valign=top style='width:677px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Years Ended</b></p>
  </td>
  <td style='border:none;border-bottom:solid windowtext 1.0pt' width=7><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr style='height:13.45pt'>
  <td valign=top style='width:241px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:178px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:52px;border-top:1.0pt solid windowtext;
  height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:163px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:60px;border-top:1.0pt solid windowtext;
  height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:176px;border-top:1.0pt solid windowtext;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2006</b></p>
  </td>
 </tr>
 <tr style='height:22.45pt'>
  <td valign=top style='width:241px;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  <i>(in thousands</i>)</b></p>
  </td>
  <td colspan=3 valign=top style='width:96px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:68px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>%
  of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:52px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:82px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:
  1.0pt solid windowtext;height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>% Incr. (Decr.</i></b><i>)</i></p>
  </td>
  <td valign=top style='width:95px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td colspan=2 valign=bottom style='width:65px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:22.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:241px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Net
  revenues</b></p>
  </td>
  <td colspan=3 valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,606</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 100%</p>
  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (56)%</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 19,623</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 100%</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 17%</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 16,835</p>
  </td>
  <td colspan=2 valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 100%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:241px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:96px;border-top:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:68px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:52px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:82px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:67px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:60px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:95px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:65px;border-top:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:241px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Employee compensation
  and benefits</p>
  </td>
  <td colspan=3 valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59,892</p>
  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (24)</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 79,148</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 64,310</p>
  </td>
  <td colspan=2 valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:241px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other operating
  expenses</p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46,934</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:52px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43,821</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 131</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,953</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:241px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 106,826</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:52px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (13)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 122,969</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 48</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83,263</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:241px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ (98,220)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:52px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (5)%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$(103,346)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 56%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ (66,428)</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; nm</p>
  </td>
 </tr>
 <tr style='height:13.45pt'>
  <td width=212 colspan=3 valign=top style='width:159.35pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.45pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=8 valign=top style='width:674px;height:13.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=7><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr height=0>
  <td width=255 style='border:none'></td>
  <td width=1 style='border:none'></td>
  <td width=3 style='border:none'></td>
  <td width=106 style='border:none'></td>
  <td width=82 style='border:none'></td>
  <td width=66 style='border:none'></td>
  <td width=96 style='border:none'></td>
  <td width=81 style='border:none'></td>
  <td width=74 style='border:none'></td>
  <td width=109 style='border:none'></td>
  <td width=74 style='border:none'></td>
  <td width=7 style='border:none'></td>
 </tr>
</table>

</div>

<p class=MsoNormal>nm
- not meaningful</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>2008 Compared to 2007 - Other Segment</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Net revenues decreased 56%
to $8.6 million in 2008 compared to $19.6 million in 2007, principally as a
result of losses on investments of $9.0 million in 2008 as a result of the
downturn in the equity markets, a write-down of investments due to a decline in
value and a
$6.5 million decrease in net interest revenues to $7.3 million in 2008 as a
result of decreased interest charged for short-term borrowings. In November
2008, we recorded a $6.7
million gain before certain expenses and taxes on the extinguishment of $12.5
million of 6.78% Stifel Financial Capital Trust IV Cumulative Preferred
Securities.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Employee compensation
and benefits decreased 24% to $59.9 million in 2008 compared to $79.1 million
in 2007. Included in employee compensation and benefits in 2007 are
acquisition-related charges of $24.9 million principally for the amendment and
acceleration of vesting of the Ryan Beck deferred compensation plan. Excluding
the 2007 acquisition-related charges, overall compensation and benefits
increased primarily as a result of a 13% increase in support personnel for
overall company growth. Additionally, included in employee compensation and
benefits are acquisition-related expenses associated with the LM Capital
Markets acquisition consisting principally of compensation charges of $25.6
million and $24.2 million in 2008 and 2007, respectively, primarily for
amortization of units awarded to LM Capital Markets associates. These units
were fully amortized as of December 31, 2008. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Other operating expenses
increased 7% to $46.9 million in 2008 compared to $43.8 million in 2007.
Included in 2007 are $6.4 million of acquisition-related expenses associated
with Ryan Beck. Excluding the impact of the 2007 acquisition related charges, other
operating expenses increased as a result of our continued growth.
In
addition, in the fourth quarter of 2008 we recorded a contingency charge of $5.3
million related to the previously announced voluntary partial repurchase plan
for certain ARS.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>2007 Compared to 2006 - Other Segment</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Net revenues increased
17% to $19.6 million in 2007 compared to $16.8 million in 2006, principally as
a result of an increase in net interest of 57%, or $5.0 million, to $13.8
million, partially offset by a decrease in gains on investments of $3.1
million. In 2007 we recorded a gain of approximately $3.8 million on the extinguishment of
$10.0 million of 6.78% Stifel Financial Capital Trust IV Cumulative Preferred
Securities in December 2007. Included in gains on investments in 2006 is a gain of $5.5
million on our NYSE membership seat. Interest expense represents interest
charged by banks and interest accrued on the debenture securities less internal
allocations for use of capital. </p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Employee compensation
and benefits increased $14.8 million, or 23%, to $79.1 million in 2007 compared
to $64.3 million in 2006, principally due to increased acquisition related
expenses and increased support personnel to support the growth. Included in
2007 are acquisition-related expenses associated with the Ryan Beck and LM
Capital Markets acquisitions consisting of: 1) $24.9 million in connection with
the Ryan Beck acquisition, primarily arising from the amendment of the Ryan
Beck deferred compensation plans; and 2) compensation charges of approximately
$24.2 million for amortization of units awarded to LM Capital Markets
associates, severance, and contractually based compensation above standard
performance based compensation. For the year ended December 31, 2006,
compensation and benefits includes $39.8 million consisting of: 1) compensation
charges of $30.0 million for amortization of units awarded to LM Capital
Markets associates, severance, and contractually based compensation above
standard performance based compensation; and 2) a compensation charge of
approximately $9.8 million for the difference between the $16.67 per share
offering price and the grant date fair value of $22.85 per share for the
private placement of its common stock to key associates of the LM Capital
Markets business. Other increases are attributed to a 22% increase in
unallocated support personnel to support the growth in the business. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Other operating expenses
increased $24.9 million, or 131%, to $43.8 million in 2007 compared to $19.0
million in 2006 due principally to acquisition related charges of $6.4 million
related to Ryan Beck as well as increases in travel and promotion, occupancy
and equipment rental and other operating expenses associated with our continued
growth, payments to Ryan Beck's clearing agent for trade processing, as well as
the expense in 2007 associated with the warrants issued in the acquisition of
Ryan Beck. For the period February 28, 2007 to June 22, 2007, the Company recorded
a charge of $0.5 million in other operating expenses for the change in fair
value of the warrant. See Note 1 of the Notes to Consolidated Financial
Statements for additional information regarding the warrants.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Analysis of Financial Condition</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our company's statement
of financial condition consists primarily of cash and cash equivalents,
receivables, trading inventory, bank loans, investments, goodwill, loans and
advances to financial advisors and payables. Total assets of $1.6 billion at
December 31, 2008 were up approximately 4% over December 31, 2007. Most of this
increase is due to the growth of Stifel Bank, with the increased loan balances
being funded by increased deposits. Stifel Bank loan balances increased
significantly as we took advantage of originating quality loans at attractive
prices resulting from a desire for liquidity in the markets in response to the
credit crisis. Significant decreases in assets were in customer receivables and
receivables from broker and dealers. The broker-dealer gross assets and
liabilities, including trading inventory, stock loan/borrow, receivables and
payables from/to brokers, dealers and clearing organizations and clients,
fluctuate with our business levels and overall market conditions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of December 31, 2008,
our liabilities were comprised primarily of deposits of $284.8 million at
Stifel Bank and brokerage client payables of $156.5 million at our
broker-dealer subsidiaries, as well as accounts payable and accrued expenses of
$230.5 million. To meet our obligations to clients and operating needs, we have
approximately $239.7 million in cash. We also have client brokerage receivables
of $280.1 million and $181.7 million in loans at Stifel Bank.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Liquidity and Capital Resources</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Liquidity is essential
to our business. We regularly monitor our liquidity position, including our
cash and net capital positions, and we have implemented a liquidity strategy
designed to enable our business to continue to operate even under adverse
circumstances, although there can be no assurance that our strategy will be
successful under all circumstances.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our assets, consisting
mainly of cash or assets readily convertible into cash, are our principle
source of liquidity. The liquid nature of these assets provides for flexibility
in managing and financing the projected operating needs of the business. These
assets are financed primarily by our equity capital, debentures to trusts,
client credit balances, short-term bank loans, proceeds from securities
lending, and other payables. We currently finance our client accounts and firm
trading positions through ordinary course borrowings at floating interest rates
from various banks on a demand basis and securities lending, with company-owned
and client securities pledged as collateral. Changes in securities market
volumes, related client borrowing demands, underwriting activity, and levels of
securities inventory affect the amount of our financing requirements.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our bank assets consist
principally of retained loans, available-for-sale securities, and cash and cash
equivalents. Stifel Bank's current liquidity needs are generally met through
deposits from bank clients and equity capital. We monitor the liquidity of
Stifel Bank daily to ensure its ability to meet customer deposit withdrawals,
maintain reserve requirements and support asset growth.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We rely exclusively on
financing activities and distributions from our subsidiaries for funds to
implement our business and growth strategies, and repurchase shares of our
common stock. Net capital rules, restrictions under our long-term debt, or the
borrowing arrangements of our subsidiaries, as well as the earnings, financial
condition, and cash requirements of our subsidiaries, may each limit
distributions to us from our subsidiaries.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have an ongoing
authorization, as amended, from the Board of Directors to repurchase our common
stock in the open market or in negotiated transactions. In May 2005, our Board
of Directors authorized the repurchase of an additional 3,000,000 shares, for a
total authorization to repurchase up to 4,500,000 shares (as adjusted for the
three-for-two stock split in June 2008). The share repurchase program will
manage our equity capital relative to the growth of our business and help to
meet obligations under our employee benefit plans. During 2008, we repurchased
567,953 of our shares of common stock under this authorization at an average
price of $27.96.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We currently do not pay
cash dividends on our common stock.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We believe our existing
assets, most of which are liquid in nature, together with the funds from
operations, available informal short-term credit arrangements, long-term
borrowings, and our ability to raise additional capital will provide sufficient
resources to meet our present and anticipated financing needs.</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>Cash Flow</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Cash and cash
equivalents increased $191.7 million to $239.7 million at December 31, 2008
from $48.0 million at December 31, 2007. Operating activities provided cash of
$350.3 million due to cash received from earnings, a reduction in operating
assets and the net effect of non-cash expenses. Investing activities used $86.5
million of cash for bank customer loan originations, and fixed asset purchases,
offset by net proceeds from the sale of our available-for-sale securities and
proprietary investments and bank customer loan repayments. During 2008, we
purchased $21.7 million in fixed assets, consisting primarily of information
technology equipment, leasehold improvements and furniture and fixtures.
Financing activities used $72.1 million of cash due to an increase in
securities loaned, net, pay down of our short-term borrowings and purchases of
our common stock, offset by an increase in bank deposits due to the growth of
the bank and proceeds from the public offering of 1,495,000 shares of our
common stock during the third quarter of 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>Funding Sources</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our short-term financing
is generally obtained through the use of bank loans and securities lending
arrangements. We borrow from various banks on a demand basis with company-owned
and customer securities pledged as collateral. The value of the customer-owned
securities is not reflected in the consolidated statements of financial
condition. Available ongoing credit arrangements with banks totaled $600.0
million at December 31, 2008, all of which was unused. There are no
compensating balance requirements under these arrangements. At December 31,
2008, there were no short-term borrowings from banks. At December 31, 2007,
short-term borrowings from banks were $127.8 million at an average rate of
4.53%, which were collateralized by company-owned securities valued at $151.7
million. The average bank borrowing was $132.7 million, $156.8 million, and
$148.7 million in 2008, 2007, and 2006, respectively, at weighted average daily
interest rates of 2.28%, 4.86%, and 5.36%, respectively. At December 31, 2008
and December 31, 2007, Stifel Nicolaus had a stock loan balance of $17.0
million and $138.5 million, respectively, at weighted average daily interest
rates of 0.52% and 4.12%, respectively. The average outstanding securities
lending arrangements utilized in financing activities were $105.4 million, $119.6
million, and $114.9 million during 2008, 2007, and 2006, respectively, at
weighted average daily effective interest rates of 2.47%, 4.82%, and 4.85%,
respectively. Customer owned securities were utilized in these arrangements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The impact of the
tightened credit markets has resulted in decreased financing through stock loan
as our counterparties sought liquidity. As a result, bank loan financing used
to finance trading inventories increased at lower interest rates charged by
banks.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank has net
borrowing capacity with the Federal Home Loan Bank of $91.5 million at December
31, 2008 and an $18.1 million federal funds agreement for the purpose of
purchasing short-term funds should additional liquidity be needed. Stifel Bank
receives overnight funds from excess cash held in Stifel Nicolaus brokerage
accounts, which are deposited into a money market account. These balances
totaled $228.7 million at December 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our liquidity
requirements may change in the event we need to raise more funds than
anticipated to increase inventory positions, support more rapid expansion,
develop new or enhanced services and products, acquire technologies, or respond
to other unanticipated liquidity requirements. We rely exclusively on financing
activities and distributions from our subsidiaries for funds to implement our
business and growth strategies, and repurchase our shares. Net capital rules,
restrictions under our long-term debt, or the borrowing arrangements of our
subsidiaries, as well as the earnings, financial condition, and cash
requirements of our subsidiaries, may each limit distributions to us from our
subsidiaries.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the event existing
internal and external financial resources do not satisfy our needs, we may have
to seek additional outside financing. The availability of outside financing
will depend on a variety of factors, such as market conditions, the general
availability of credit, the volume of trading activities, the overall
availability of credit to the financial services industry, credit ratings, and
credit capacity, as well as the possibility that lenders could develop a
negative perception of our long-term or short-term financial prospects if we
incurred large trading losses or if the level of our business activity
decreased due to a market downturn or otherwise. We currently do not have a credit rating, which could adversely affect
our liquidity and competitive position by increasing our borrowing costs and
limiting access to sources of liquidity that require a credit rating as a
condition to providing funds.</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>Capital Resources</i></p>

<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
In
connection with ARS, our broker-dealer subsidiaries have been subject to ongoing
investigations, which include inquiries from the SEC, FINRA and several state
regulatory agencies, with which we are cooperating fully. We are also named in a
class action lawsuit similar to that filed against a number of brokerage firms
alleging various securities law violations, which we are vigorously defending.
As of February 20, 2009,
our clients held approximately $243.0 million of ARS. We are, in conjunction with other
industry participants actively seeking a solution to ARS' illiquidity. If we
were to redeem these securities from certain of our clients in order to resolve
pending claims, inquiries, or investigations, it would have a material adverse
effect on our financial condition and cash flows, and we would be required to
assess whether we had sufficient regulatory capital or borrowing capacity to do
so. See Item 3, &quot;Legal Proceedings&quot; of this report for a discussion of our legal
matters (including ARS).</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have contingent
earn-out consideration related to our acquisition of the LM Capital Markets
business from Citigroup Inc. on December 1, 2005. The contingent earn-out
payment to Citigroup Inc. is based on the performance of the combined capital
markets business of both our pre-closing Fixed Income and Equity Capital
Markets business and LM Capital Markets over the three year period beginning
January 1, 2006, up to a maximum $30.0 million of additional purchase
consideration. For calendar years 2008, 2007, and 2006, our company recorded an
earn-out liability of $16.3 million, $9.9 million, and $0.4 million,
respectively, which was accounted for as additional purchase price. Any payment
to Citigroup Inc for these contingent earn-out payments would be payable in
early 2009.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On February 28, 2007, we
closed on the acquisition of Ryan Beck from BankAtlantic Bancorp, Inc. A
contingent earn-out payment is payable based on defined revenues attributable
to specified individuals in Ryan Beck's existing private client division over
the two-year period following closing. This earn-out is capped at $40.0
million. A second contingent payment is payable based on defined revenues
attributable to specified individuals in Ryan Beck's existing investment
banking division. The investment banking earn-out is equal to 25% of the amount
of investment banking fees over $25.0 million for each successive year in the
two year period following closing. We paid the first year investment banking
contingent earn-out payment of $1.8 million in 57,059 shares of our common
stock in May 2008. Based upon the provisions of the agreements for the
contingent earn-outs, an earn-out payment will not be due for the second year
investment banking contingent earn-out, but we estimate that $21.0 million
could be payable under the private client division contingent earn out payment
arrangement. On August 14, 2008, we agreed to prepay $9.6 million of
BankAtlantic's pro-rata share of the estimated private client division
contingent earn-out payment in exchange for a $10.0 million permanent reduction
of BankAtlantic's pro-rata share of the private client contingent payment. We
elected to make such pre-payment using 233,500 shares of our common stock at an
agreed upon per share price of $41.05. In the event that BankAtlantic's
pro-rata portion of the private client contingent payment is less than $10.0
million, BankAtlantic has agreed to reimburse the shortfall. We have recorded a
liability for the remaining estimated contingent earn-out of $5.5 million at
December 31, 2008. The contingent payment is reflected as additional purchase
consideration and reflected in goodwill. We have the ability to pay any future
contingent consideration in cash or stock at our election.</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>Net Capital Requirements</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We operate in a highly
regulated environment and are subject to net capital requirements, which may
limit distributions to our company from our broker-dealer subsidiaries. As
previously discussed in Item 1 &quot;Regulations&quot; in this report, distributions from
our broker-dealer subsidiaries are subject to net capital rules. These
subsidiaries have historically operated in excess of minimum net capital
requirements. However, if distributions were to be limited in the future due to
the subsidiaries failure to comply with the net capital rules or a change in
the net capital rules, it could have a material and adverse affect to our
company by limiting our operations that require intensive use of capital, such
as underwriting or trading activities, or limit our ability to implement our business
and growth strategies, pay interest on and repay the principal of our debt,
and/or repurchase our common stock. Our non broker-dealer subsidiary, Stifel
Bank is also subject to various regulatory capital requirements administered by
the federal banking agencies.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008,
Stifel Nicolaus had net capital of $188.8 million, which was 58.0% of its
aggregate debit items, and $178.7 million in excess of its minimum required net
capital; CSA had net capital of $2.1 million, which was $1.9 million in excess
of its minimum required net capital; Butler Wick had net capital of $3.0 million
which was $2.8 million in excess of its minimum required net capital. At
December 31, 2008, SN Ltd had capital and reserves of $7.3 million, which was $7.0
million in excess of the financial resources requirement under the rules of the
FSA. At December 31, 2008, Stifel Bank was considered well capitalized under
the regulatory framework for prompt corrective action. See Note 17 of the Notes
to Consolidated Financial Statements for details of our regulatory capital
requirements.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Critical Accounting Policies and Estimates</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In preparing our
consolidated financial statements in accordance with generally accepted accounting
principles and pursuant to the rules and regulations of the SEC, we make
assumptions, judgments and estimates that affect the reported amounts of
assets, liabilities, revenue and expenses, and related disclosures of
contingent assets and liabilities. We base our assumptions, judgments and
estimates on historical experience and various other factors that we believe to
be reasonable under the circumstances. Actual results could differ materially
from these estimates under different assumptions or conditions. On a regular
basis, we evaluate our assumptions, judgments and estimates. We also discuss
our critical accounting policies and estimates with the Audit Committee of the
Board of Directors.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We believe that the
assumptions, judgments and estimates involved in the accounting policies
described below have the greatest potential impact on our consolidated
financial statements. These areas are key components of our results of
operations and are based on complex rules that require us to make assumptions, judgments
and estimates, so we consider these to be our critical accounting policies.
Historically, our assumptions, judgments and estimates relative to our critical
accounting policies and estimates have not differed materially from actual
results. For a full description of these and other accounting policies, see
Note 1 of the Notes to Consolidated Financial Statements.</p>

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<p class=MsoNormal style='margin-top:6.0pt'><b><i>Valuation of Financial Instruments</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Trading securities owned
and pledged, available-for-sale securities, certain other investments, and
trading securities sold, but not yet purchased, on our consolidated statements
of financial condition are recorded at fair value. Unrealized gains and losses
related to these financial instruments are reflected on our consolidated
statements of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We adopted SFAS No. 157,
&quot;Fair Value Measurements&quot; (&quot;SFAS 157&quot;) during the first quarter of 2008. SFAS
157 defines
fair value, establishes guidelines for measuring fair value and expands disclosures
regarding fair value measurements. During the fourth quarter of 2008, both the
Financial Accounting Standards Board (&quot;FASB&quot;) and the staff of the SEC
re-emphasized the importance of sound fair value measurement in financial
reporting. In October 2008, the FASB issued FASB Staff Position No. FAS 157-3
(&quot;FSP FAS 157-3&quot;), &quot;Determining Fair Value of a Financial Asset When the Market
for That Asset is Not Active.&quot; This statement clarifies that determining fair
value in an inactive market or dislocated market depends on facts and
circumstances and requires significant judgment. This statement specifies that
it is acceptable to use inputs based on management estimates or assumptions, or
for management to make adjustments to observable inputs to determine fair value
when markets are not active and relevant observable inputs are not available.
Our fair value measurement policies are consistent with the guidance in FSP FAS
157-3.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>SFAS 157 defines &quot;fair value&quot; as the price that would
be received to sell an asset or paid to transfer a liability in an orderly
transaction between market participants at the measurement date, or an exit
price. The degree of judgment used in measuring the fair value of financial
instruments generally correlates to the level of pricing observability.
Financial instruments with readily available active quoted prices or for which
fair value can be measured from actively quoted prices in active markets
generally have more pricing observability and less judgment used in measuring
fair value. Conversely, financial instruments rarely traded or not quoted have
less pricing observability and are measured at fair value using valuation
models that require more judgment. Pricing observability is impacted by a
number of factors, including the type of financial instrument, whether the
financial instrument is new to the market and not yet established, the
characteristics specific to the transaction, and overall market conditions
generally. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>When available, we use observable market prices,
observable market parameters, or broker or dealer prices (bid and ask prices)
to derive the fair value of financial instruments. In the case of financial
instruments transacted on recognized exchanges, the observable market prices
represent quotations for completed transactions from the exchange on which the
financial instrument is principally traded.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A substantial percentage of the fair value of our trading
securities and other investments owned, trading securities pledged as
collateral, and trading securities sold, but not yet purchased, are based on
observable market prices, observable market parameters, or derived from broker
or dealer prices. The availability of observable market prices and pricing
parameters can vary from product to product. Where available, observable market
prices and pricing or market parameters in a product may be used to derive a
price without requiring significant judgment. In certain markets, observable
market prices or market parameters are not available for all products, and fair
value is determined using techniques appropriate for each particular product.
These techniques involve some degree of judgment. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>For investments in illiquid or privately held
securities that do not have readily determinable fair values, the determination
of fair value requires us to estimate the value of the securities using the
best information available. Among the factors we consider in determining the fair value
of investments are the cost of the investment, terms and liquidity,
developments since the acquisition of the investment, the sales price of
recently issued securities, the financial condition and operating results of
the issuer, earnings trends and consistency of operating cash flows, the
long-term business potential of the issuer, the quoted market price of
securities with similar quality and yield that are publicly traded, and other
factors generally pertinent to the valuation of investments. In instances where a security is subject to transfer
restrictions, the value of the security is based primarily on the quoted price
of a similar security without restriction but may be reduced by an amount
estimated to reflect such restrictions. The fair value of these investments is subject
to a high degree of volatility and may be susceptible to significant fluctuation
in the near term and the differences could be material.</p>

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<p class=MsoHeader align=center style='text-align:center'><b>&nbsp;</b>We utilize an outside
valuation firm to assist in the valuation of our asset-backed securities held
in our available-for-sale portfolio. The outside valuation firm utilizes
comprehensive models to price the securities in a way that is consistent with
the values that the market has for other debt securities on a relative or
spread connected basis. The models may include the following methodologies, as
appropriate, for each individual security: determine market value of each asset
in portfolio; calculate default rates for each asset individually, create
correlation structure for portfolio, simulate portfolio future (Monte-Carlo)
numerous times; run samples through waterfall; diagram net present value of
cash flows to tranches in different scenarios; and determine the value of the tranches.
We validate the inputs and other information utilized, where possible, in
valuations provided by third parties. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have categorized our financial instruments measured
at fair value into a three-level classification in accordance with SFAS 157.
Fair value measurements of financial instruments that use quoted prices in
active markets for identical assets or liabilities are generally categorized as
Level I, and fair value measurements of financial instruments that have no
direct observable levels are generally categorized as Level III, all other fair
value measurements of financial instruments that do not fall within the Level I
or Level III classification are considered Level II. The lowest level input
that is significant to the fair value measurement of a financial instrument is
used to categorize the instrument and reflects the judgment of management.
Financial assets and liabilities presented as fair value in our consolidated
statements of financial condition generally are categorized as follows: </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level I - Quoted prices (unadjusted) are available in
active markets for identical assets or liabilities as of the measurement date.
A quoted price for an identical asset or liability in an active market provides
the most reliable fair value measurement because it is directly observable to
the market. The type of financial instruments included in Level I are highly
liquid instruments with quoted prices such as equities listed in active markets
and certain U.S. Treasury bonds and other government obligations. </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level II - Pricing inputs are other than quoted prices
in active markets, which are either directly or indirectly observable as of the
measurement date. The nature of these financial instruments include instruments
for which quoted prices are available but traded less frequently, derivative
instruments whose fair value have been derived using a model where inputs to
the model are directly observable in the market, or can be derived principally
from or corroborated by observable market data, and instruments that are fair
valued using other financial instruments, the parameters of which can be
directly observed. Instruments which are generally included in this category
are equity
securities not actively traded, corporate obligations infrequently traded, certain
government and municipal obligations, certain bank notes, interest rate swaps,
certain asset-backed securities consisting of collateral loan obligation
securities, and certain mortgage-backed securities. </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level III - Instruments that have little to no pricing
observability as of the measurement date. These financial instruments do not
have two-way markets and are measured using management's best estimate of fair
value, where the inputs into the determination of fair value require
significant management judgment or estimation. Instruments included in this
category generally include equity securities with unobservable inputs, certain corporate
obligations with unobservable pricing inputs, auction rate securities, certain
airplane trust certificates, limited partnerships, and other company
investments.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our investments in auction
rate securities are backed by state municipal student loan bonds and closed-end
mutual fund owned corporate stocks and bonds. These auction rate securities
have been deemed to be illiquid, and, as a result, have been valued using
unobservable inputs.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008, Level III assets for which we bear
economic exposure were $38.3 million, or 10% of the total assets measured at
fair value. During 2008, we recorded net sales of $1.7 million of Level III
assets. Our valuation adjustments (realized and unrealized) reduced the value
of our Level III assets by $9.5 million. Additionally, there were $30.3 million
of net transfers into the Level III category during 2008. The increase in net
transfers is primarily attributable to reduced price transparency on some of
our preferred and municipal auction rate securities.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008, Level III assets included the
following: $18.5 million of auction rate securities, of which the auctions have
failed, $10.4 million of asset-backed securities, and $9.4 million of private
equity and other fixed income securities.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Contingencies</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are involved in various pending and potential legal
proceedings related to our business, including litigation, arbitration and
regulatory proceedings. Some of these matters involve claims for substantial
amounts, including claims for punitive damages. We have, after consultation with
outside legal counsel and consideration of facts currently known by management,
recorded estimated losses in accordance with SFAS No. 5, &quot;Accounting for
Contingencies,&quot; (&quot;SFAS 5&quot;) to the extent that claims are probable of loss and
the amount of the loss can be reasonably estimated. The determination of these
reserve amounts requires significant judgment on the part of management and our
final liabilities may ultimately be materially different.
This determination
is inherently subjective, as it requires estimates that are subject to
potentially significant revision as more information becomes available and due to
subsequent events. In making these
determinations, we consider many factors, including, but not limited to, the
loss and damages sought by the plaintiff or claimant, the basis and validity of
the claim, the likelihood of a successful defense against the claim, and the
potential for, and magnitude of, damages or settlements from such pending and
potential litigation and arbitration proceedings, and fines and penalties or
orders from regulatory agencies. See Item 3, &quot;Legal Proceedings,&quot; in Part I of this
report for information on our legal, regulatory and arbitration proceedings.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Allowance for
Doubtful Receivables from Former Employees</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We offer transition pay,
principally in the form of upfront loans, to financial advisors and certain key
revenue producers as part of our overall growth strategy. These loans are
generally forgiven over a five- to ten-year period if the individual satisfies
certain conditions, usually based on continued employment and certain
performance standards. If the individual leaves before the term of the loan
expires or fails to meet certain performance standards, the individual is
required to repay the balance. In determining the allowance for doubtful
receivables from former employees, we consider the facts and circumstances
surrounding each receivable, including the amount of the unforgiven balance,
the reasons for the terminated employment relationship, and the former
employees' overall financial position. The loan balance from former employees
at December 31, 2008 and 2007 was $2.4 million and $2.5 million, respectively,
with associated loss allowances of $1.2 million and $0.7 million, respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Allowance for Loan Losses</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We regularly review the
loan portfolio of Stifel Bank and have established an allowance for loan losses
in accordance with SFAS 5. The allowance for loan losses is established as
losses are estimated to have occurred through a provision for loan losses
charged to income. In providing for the allowance for loan losses, we consider
historical loss experience, the nature and volume of the loan portfolio,
adverse situations that may affect the borrower's ability to repay, estimated
value of any underlying collateral and prevailing economic conditions. This
evaluation is inherently subjective as it requires estimates that are
susceptible to significant revision as more information becomes available. Large
groups of smaller balance homogenous loans are collectively evaluated for
impairment. Accordingly, we do not separately identify individual consumer and
residential loans for impairment measurements. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, impairment
is measured on a loan-by loan basis for commercial and construction loans and a
specific allowance established for individual loans determined to be impaired
in accordance with SFAS No. 114, &quot;Accounting by Creditors for Impairment of a
Loan.&quot; Impairment is measured using the present value of the impaired loan's
expected cash flow discounted at the loan's effective interest rate, the loan's
observable market price, or the fair value of the collateral if the loan is
collateral dependent. </p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A loan is considered
impaired when, based on current information and events, it is probable that the
scheduled payments of principal or interest when due according to the
contractual terms of the loan agreement will not be collectible. Factors
considered in determining impairment include payment status, collateral value
and the probability of collecting scheduled principal and interest payments
when due. Loans that experience insignificant payment delays and payment
shortfalls generally are not classified as impaired. We determine the
significance of payment delays and payment shortfalls on a case-by-case basis,
taking into consideration all of the circumstances surrounding the loan and the
borrower, including the length of the delay, the reasons for the delay, the
borrower's prior payment record and the amount of the shortfall in relation to
the principal and interest owed. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Once a loan is
determined to be impaired, usually when principal or interest becomes 90 days
past due or when collection becomes uncertain, the accrual of interest and
amortization of deferred loan origination fees is discontinued (&quot;non-accrual
status&quot;), and any accrued and unpaid interest income is written off. Loans
placed on non-accrual status are returned to accrual status when all delinquent
principal and interest payments are collected and the collectibility of future
principal and interest payments is reasonably assured. Loan losses are charged
against the allowance when we believe the uncollectibility of a loan balance is
confirmed. Subsequent recoveries, if any, are credited to the allowance.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Income Taxes</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The provision for income
taxes and related tax reserves is based on our consideration of known
liabilities and tax contingencies for multiple taxing authorities. Known
liabilities are amounts that will appear on current tax returns, amounts that
have been agreed to in revenue agent revisions as the result of examinations by
the taxing authorities and amounts that will follow from such examinations but
affect years other than those being examined. Tax contingencies are liabilities
that might arise from a successful challenge by the taxing authorities taking a
contrary position or interpretation regarding the application of tax law to our
tax return filings. Factors considered in estimating our liability are results
of tax audits, historical experience, and consultation with tax attorneys and
other experts.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>FASB Interpretation No. 48
(&quot;FIN 48&quot;) &quot;Accounting for Uncertainty in Income Taxes-An interpretation of FAS
Statement No. 109,&quot; clarified the accounting for uncertainty in income taxes
recognized in an entity's financial statements in accordance with SFAS No. 109
and prescribed recognition threshold and measurement attributes for financial
statement disclosure of tax positions taken or expected to be taken on a tax
return. Under FIN 48, the impact of an uncertain income tax position on the
income tax return must be recognized at the largest amount that is
more-likely-than-not to be sustained upon audit by the relevant taxing
authority. An uncertain income tax position will not be recognized if it has
less than a 50% likelihood of being sustained. Additionally, FIN 48 provided
guidance on derecognition, classification, interest and penalties, accounting
in interim periods, disclosure and transition. See Note 22 of the Notes to
Consolidated Financial Statements for a further discussion on income taxes.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Goodwill and Intangible Assets</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We record all assets and liabilities acquired in
purchase acquisitions, including goodwill and other intangible assets, at fair
value as required by SFAS No. 141, &quot;Business Combinations.&quot; Determining the
fair value of assets and liabilities requires certain estimates. At December
31, 2008, we had goodwill of $128.3 million and intangible assets of $16.0
million. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In accordance with SFAS No. 142, &quot;Goodwill and Other
Intangible Assets,&quot; indefinite-life intangible assets and goodwill are not
amortized. Rather, they are subject to impairment testing on an annual basis,
or more often if events or circumstances indicate there may be impairment. This
test involves assigning tangible assets and liabilities, identified intangible
assets and goodwill to reporting units and comparing the fair value of each
reporting unit to its carrying amount. If the fair value is less than the
carrying amount, a further test is required to measure the amount of the
impairment. We have elected to test for goodwill impairment in the third
quarter of each calendar year. The results of the impairment test performed
during the third quarter did not indicate any impairment.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The goodwill impairment test is a two-step process,
which requires us to make judgments in determining what assumptions to use in
the calculation. Assumptions, judgments and estimates about future cash flows
and discount rates are complex and often subjective. They can be affected by a
variety of factors, including, among others, economic trends and market
conditions, changes in revenue growth trends or business strategies,
unanticipated competition, discount rates, technology, or government
regulations. In assessing the fair value of our reporting units, the volatile
nature of the securities markets and industry requires us to consider the
business and market cycle and assess the stage of the cycle in estimating the
timing and extent of future cash flows. In addition to discounted cash flows,
we consider other information such as public market comparables and multiples
of recent mergers and acquisitions of similar businesses. Although we believe
the assumptions, judgments and estimates we have made in the past have been
reasonable and appropriate, different assumptions, judgments and estimates
could materially affect our reported financial results.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Recent Accounting Pronouncements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>See Note 2 of the Notes
to Consolidated Financial Statements for information regarding the effect of
new accounting pronouncements on our consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Dilution</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of December 31, 2008,
there were 1,282,133 shares of our common stock issuable on outstanding
options, with an average weighted exercise price of $7.00, and 6,065,904 outstanding
stock unit grants, with each unit representing the right to receive shares of
our common stock at a designated time in the future. The restricted stock units
vest on an annual basis over the next three to eight years, and are
distributable, if vested, at future specified dates. Of the outstanding
restricted stock unit awards, 1,637,930 shares are currently vested and 4,427,974
are unvested. Assuming vesting requirements are met, the Company anticipates that
790,646 shares under these awards will be distributed in 2009, 1,097,170 will
be distributed in 2010, 1,190,264 will be distributed in 2011, and the balance
of 2,987,824 will be distributed thereafter. An employee will realize income as
a result of an award of stock units at the time shares are distributed in an
amount
equal to the fair market value of such shares at that time, and we are entitled
to a corresponding tax deduction in the year of such issuance. Unless an
employee elects to satisfy such withholding in another manner, such as by paying
the amount in cash or by delivering shares of Stifel Financial Corp. common
stock already owned by such person and held by such person for at least six
months, we may satisfy tax withholding obligations on income associated with
such grants by reducing the number of shares otherwise deliverable in
connection with such awards, such reduction to be calculated based on a current
market price of our common stock. Based on current tax law, we anticipate that
the shares issued when the awards are paid to the employees will be reduced by
approximately 35% to satisfy such withholding obligations, so that
approximately 65% of the total restricted stock units that are distributable in
any particular year will be converted into issued and outstanding shares.</p>

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<p class=MsoNormal style='margin-top:6.0pt'><b><i>Off-balance Sheet Arrangements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>See Note 20 of the Notes
to Consolidated Financial Statements for off-balance sheet arrangements.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Contractual Obligations</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table sets forth our
contractual obligations to make future payments as of December 31, 2008:</p>
<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>&nbsp;</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:995px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>(In
  thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Total</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2010</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:88px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2011</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2012</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2013</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:80px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Thereafter</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Debenture
  to Stifel Financial Capital Trust II <sup>(1)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp; 35,000</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp; 35,000</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Interest
  on debenture <sup>(1)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 59,733</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,233</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,233</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,233</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,233</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,233</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 48,568</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Debenture
  to Stifel Financial Capital Trust III <sup>(2)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 35,000</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 35,000</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Interest
  on debenture <sup>(2)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 67,136</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,377</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,377</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,377</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,377</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,377</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,251</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Debenture
  to Stifel Financial Capital Trust IV <sup>(3)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 12,500</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 12,500</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Interest
  on debenture <sup>(3)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'><b>48,298</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,695</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,695</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,695</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,695</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,695</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39,823</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Stifel
  CAPCO LLC non-interest bearing notes <sup>(4)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 19,998</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 10,600</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,398</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Liabilities
  subordinated to general creditors</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,156</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,300</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,391</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,474</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,698</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,293</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Operating
  leases</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp; 139,821</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 29,560</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 24,495</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 20,189</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 15,828</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 13,210</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,539</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'>Communication and quote
  minimum commitments</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 23,305</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 12,540</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,466</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,416</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 704</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 159</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><a name="_Hlk221684992">Certificates of deposit</a></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 24,102</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 15,980</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,253</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,258</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,621</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 990</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'>Commitment to fund
  partnership interests</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 891</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'>Contingent earn-out
  payment to Citigroup, Inc. related to LM Capital Markets acquisition</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b><br>
&nbsp;&nbsp;&nbsp; 26,555</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b><br>
  </b>&nbsp;&nbsp;&nbsp; 26,555</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b><br>
  </b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b><br>
  </b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b><br>
  </b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b><br>
  </b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b><br>
  </b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Commitments
  to extend credit-Stifel Bank<sup>(5)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp; 104,894</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Long-term
  debt-Stifel Bank <sup>(6)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,000</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,000</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,000</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Uncertain
  tax positions<sup>(7)</sup></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:80px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:305px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Total</b></p>
  </td>
  <td valign=top style='width:101px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$ 611,389</b></p>
  </td>
  <td valign=top style='width:66px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$ 106,840</b></p>
  </td>
  <td valign=top style='width:82px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp; 89,308</b></p>
  </td>
  <td valign=top style='width:88px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp; 32,642</b></p>
  </td>
  <td valign=top style='width:85px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp; 73,656</b></p>
  </td>
  <td valign=top style='width:76px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp; 22,957</b></p>
  </td>
  <td valign=top style='width:80px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp;&nbsp;&nbsp; 180,201</b></p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent:
-.25in'><sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp; Debenture to Stifel
Financial Capital Trust II is callable at par no earlier than September 30,
2010, but no later than September 30, 2035. The interest is payable at a fixed interest rate
equal to 6.38% per annum from the issue date to September 30, 2010 and then
will be payable at a floating interest rate equal to three-month London Interbank
Offered Rate (&quot;LIBOR&quot;) plus 1.70% per annum. Thereafter interest rate assumes
no increase. </p>

<p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent:
-.25in'><sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp; Debenture to Stifel
Financial Capital Trust III is callable at par no earlier than June 6, 2012,
but no later than June 6, 2037. The
interest is payable, in arrears, at a fixed interest rate equal to 6.79% per
annum from the issue date to June 6, 2012 and then will be payable at a
floating interest rate equal to three-month LIBOR plus 1.85% per annum.
Thereafter interest rate assumes no increase.</p>

<p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent:
-.25in'><sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp; Debenture to Stifel
Financial Capital Trust IV is callable at par no earlier than September 6,
2012, but no later than September 6, 2037. The interest is payable, in arrears, at a fixed
interest rate equal to 6.78% per annum from the issue date to September 6, 2012
and then will be payable at a floating interest rate equal to three-month LIBOR
plus 1.85% per annum. Thereafter interest rate assumes no increase.</p>

<p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent:
-.25in'><sup>(4)</sup>&nbsp;&nbsp;&nbsp;&nbsp; The Company
invested in zero coupon U.S. Government securities in the amount sufficient to
accrete to the repayment amount of the notes and are placed in an irrevocable
trust. At December 31, 2008, these securities had a carrying value of $18,338
and are included under the caption &quot;Investments&quot; on the consolidated statements
of financial condition.</p>

<p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent:
-.25in'><sup>(5)</sup>&nbsp;&nbsp;&nbsp;&nbsp; Commitments to
extend credit include commitments to originate loans, outstanding standby
letters of credit and lines of credit which may expire without being funded and
as such do not represent estimates of future cash flow.</p>

<p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent:
-.25in'><sup>(6)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>Long-term debt consists
of advances from the Federal Home Loan Bank. </p>

<p class=MsoNormal style='margin-left:.25in;text-align:justify;text-indent:
-.25in'><sup>(7)</sup>&nbsp;&nbsp;&nbsp;&nbsp; The contractual
obligations table excludes our FIN 48 liabilities of $2,155 because we can not
make a reliable estimate of the timing of cash payments. </p>

<p class=MsoFooter align=center style='text-align:center'>59</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_7A.">ITEM 7A.</a>&nbsp; QUANTITATIVE
AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Risk Management</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Risks are an inherent
part of our business and activities. Management of these risks is critical to our
soundness and profitability. Risk management at our company is a multi-faceted
process that requires communication, judgment, and knowledge of financial
products and markets. Our senior management group takes an active role in the
risk management process and requires specific administrative and business
functions to assist in the identification, assessment, monitoring, and control
of various risks. The principal risks involved in our business activities are:
market (interest rates and equity prices), credit, operational, and regulatory
and legal.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Market Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The potential for
changes in the value of financial instruments owned by our company resulting
from changes in interest rates and equity prices is referred to as &quot;market risk.&quot;
Market risk is inherent to financial instruments, and accordingly, the scope of
our market risk management procedures includes all market risk-sensitive
financial instruments.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We trade tax-exempt and
taxable debt obligations, including U.S. Treasury bills, notes, and bonds; U.S.
Government agency and municipal notes and bonds; bank certificates of deposit;
mortgage-backed securities; and corporate obligations. We are also an active
market-maker in over-the-counter equity securities. In connection with these
activities, we may maintain inventories in order to ensure availability and to
facilitate customer transactions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Changes in value of our
financial instruments may result from fluctuations in interest rates, credit
ratings, equity prices, and the correlation among these factors, along with the
level of volatility.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We manage our trading
businesses by product and have established trading departments that have
responsibility for each product. The trading inventories are managed with a
view toward facilitating client transactions, considering the risk and
profitability of each inventory position. Position limits in trading inventory
accounts are established and monitored on a daily basis. We monitor inventory
levels and results of the trading departments, as well as inventory aging,
pricing, concentration, and securities ratings. The following table primarily
represents trading inventory associated with our customer facilitation and
market-making activities and includes net long and short fair values, which is
consistent with the way risk exposure is managed.</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=646
 style='width:484.2pt;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=232 valign=top style='width:174.15pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=208 colspan=2 valign=top style='width:156.2pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td width=205 colspan=2 valign=top style='width:153.85pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
 </tr>
 <tr style='height:26.75pt'>
  <td width=232 valign=top style='width:174.15pt;padding:0in 5.4pt 0in 5.4pt;
  height:26.75pt'>
  <p class=MsoHeading8 style='margin-left:0in'><b><br>
  <br>
  (in
  thousands)</b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:26.75pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  <br>
  Owned</b></p>
  </td>
  <td width=106 valign=bottom style='width:79.7pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt;height:26.75pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Sold, But Not<br>
  Yet Purchased</b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:26.75pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  <br>
  Owned</b></p>
  </td>
  <td width=103 valign=bottom style='width:77.35pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:26.75pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Sold, But Not<br>
  Yet Purchased</b></p>
  </td>
 </tr>
 <tr>
  <td width=232 valign=top style='width:174.15pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Securities,
  at Fair Value</b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=106 valign=top style='width:79.7pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=103 valign=top style='width:77.35pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=232 valign=top style='width:174.15pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>U.S.
  Government obligations</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;40,401</p>
  </td>
  <td width=106 valign=top style='width:79.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,279</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,086</p>
  </td>
  <td width=103 valign=top style='width:77.35pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,582</p>
  </td>
 </tr>
 <tr>
  <td width=232 valign=top style='width:174.15pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>State
  and municipal bonds</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;32,093</p>
  </td>
  <td width=106 valign=top style='width:79.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 154</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 52,257</p>
  </td>
  <td width=103 valign=top style='width:77.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 68</p>
  </td>
 </tr>
 <tr>
  <td width=232 valign=top style='width:174.15pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Corporate
  obligations</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;43,131</p>
  </td>
  <td width=106 valign=top style='width:79.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 62,012</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,150</p>
  </td>
  <td width=103 valign=top style='width:77.35pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,856</p>
  </td>
 </tr>
 <tr>
  <td width=232 valign=top style='width:174.15pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Corporate
  stocks</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;25,460</p>
  </td>
  <td width=106 valign=top style='width:79.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,489</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,565</p>
  </td>
  <td width=103 valign=top style='width:77.35pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,107</p>
  </td>
 </tr>
 <tr>
  <td width=232 valign=top style='width:174.15pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;141,085</p>
  </td>
  <td width=106 valign=top style='width:79.7pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,934</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 137,058</p>
  </td>
  <td width=103 valign=top style='width:77.35pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,613</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>We are also exposed to
market risk based on our other investing activities. These investments consist
of investments in private equity partnerships, start up companies, venture
capital investments and zero coupon U.S. Government securities and are included
under the caption &quot;Investments&quot; on the consolidated statements of financial condition.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Interest Rate Risk</i></b></p>

<p class=MsoFooter align=center style='text-align:center'>60</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are exposed to
interest rate risk as a result of maintaining inventories of interest
rate-sensitive financial instruments and from changes in the interest rates on our
interest-earning assets (including client loans, stock borrow activities,
investments, and inventories) and our funding sources (including client cash
balances, stock lending activities, bank borrowings, and resale agreements),
which finance these assets. The collateral underlying financial instruments at
the broker-dealer is repriced daily, thus requiring collateral to be delivered
as necessary. Interest rates on client balances and stock borrow and lending
produce a positive spread to our company, with the rates generally fluctuating
in parallel.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We manage our inventory
exposure to interest rate risk by setting and monitoring limits and, where
feasible, hedging with offsetting positions in securities with similar interest
rate risk characteristics. While a significant portion of our securities
inventories have contractual maturities in excess of five years, these
inventories, on average, turn over several times per year.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, we
monitor, on a daily basis, the Value-at-Risk (&quot;VaR&quot;) in our institutional Fixed
Income Capital Markets trading portfolios using daily market data for the
previous twelve months and report VaR at a 95% confidence level. VaR is a
statistical technique used to estimate the probability of portfolio losses
based on the statistical analysis of historical price trends and volatility.
This model assumes that historical changes in market conditions are
representative of future changes, and trading losses on any given day could
exceed the reported VaR by significant amounts in unusual volatile markets.
Further, the model involves a number of assumptions and inputs. While we believe
that the assumptions and inputs we use in our risk model are reasonable,
different assumptions and inputs could produce materially different VaR
estimates. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table sets
forth the high, low, and daily average VaR for our institutional Fixed Income
Capital Markets trading portfolios during the twelve months ended December 31,
2008 and the daily VaR at December 31, 2008 and 2007:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:812px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:10.3pt'>
  <td valign=top style='width:220px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=3 valign=top style='width:300px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Twelve Months Ended
  December 31, 2008</b></p>
  </td>
  <td colspan=2 valign=top style='width:250px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>VaR calculation at</b></p>
  </td>
 </tr>
 <tr style='height:16.6pt'>
  <td valign=top style='width:220px;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoHeading8 style='margin-left:0in'><br>
  <b>($'s
  in thousands)</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:92px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  High</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:79px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Low</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:101px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Daily Average</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:117px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:119px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2007</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Daily
  VaR</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:92px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,256</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:79px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 164</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:101px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 670</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:117px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 467</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:119px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 865</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Related
  portfolio value</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46,980</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 31,307</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 41,462</p>
  </td>
  <td valign=top style='width:117px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,157</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 86,084</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:220px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'>VaR as a percent of
  portfolio value</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;6.93%</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.52 %</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.61 %</p>
  </td>
  <td valign=top style='width:117px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.44 %</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.00 %</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank's interest
rate risk is principally associated with changes in market interest rates
related to residential, consumer, and commercial lending activities, as well as
FDIC-insured deposit accounts to customers of our broker-dealer subsidiaries
and to the general public. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our primary emphasis in
interest rate risk management for Stifel Bank is the matching of assets and
liabilities of similar cash flow and re-pricing time frames. This matching of
assets and liabilities reduces exposure to interest rate movements and aids in
stabilizing positive interest spreads. Stifel Bank has established limits for
acceptable interest rate risk and acceptable portfolio value risk. To ensure that
Stifel Bank is within the limits established for net interest margin, an
analysis of net interest margin based on various shifts in interest rates is
prepared each quarter and presented to Stifel Bank's Board of Directors for the
three month period ending the month before the end of our fiscal quarter.
Stifel Bank utilizes a third party vendor to analyze the available data. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table
illustrates the estimated change in net interest margin at November 30, 2008
based on shifts in interest rates of positive 200 basis points and negative 200
basis points: </p>

<p class=MsoFooter align=center style='text-align:center'>61</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="49%"
 style='width:49.6%'>
 <tr>
  <td width=172 nowrap valign=bottom style='width:128.75pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 0in 0in 0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Hypothetical&nbsp;Change&nbsp;in&nbsp;<br>
  Interest&nbsp;Rates</b></p>
  </td>
  <td width=24 valign=bottom style='width:.25in;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 0in 0in 0in'>

  </td>
  <td width=142 nowrap valign=bottom style='width:106.8pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 0in 0in 0in'>
  <p class=MsoNormal style='margin-right:4.9pt;'><b>Projected&nbsp;Change&nbsp;in<br>
	Net&nbsp;Interest&nbsp;Margin</b></p>
  </td>
 </tr>
 <tr>
  <td width=172 valign=top style='width:128.75pt;padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=center style='text-align:center'>+200</p>
  </td>
  <td width=24 valign=bottom style='width:.25in;padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;</p>
  </td>
  <td width=142 nowrap valign=bottom style='width:106.8pt;padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='margin-right:30.0pt;text-align:right'>n/a</p>
  </td>
 </tr>
 <tr>
  <td width=172 valign=top style='width:128.75pt;padding:0in 0in 0in 0in'>
  <p class=MsoNormal align=center style='text-align:center'>+100</p>
  </td>
  <td width=24 valign=bottom style='width:.25in;padding:0in 0in 0in 0in'>
  <p class=MsoNormal>&nbsp;&nbsp;</p>
  </td>
  <td width=142 nowrap valign=bottom style='width:106.8pt;padding:0in 0in 0in 0in'>
  <p class=MsoNormal align=right style='margin-right:30.0pt;text-align:right'>n/a</p>
  </td>
 </tr>
 <tr>
  <td width=172 valign=top style='width:128.75pt;padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=center style='text-align:center'>0</p>
  </td>
  <td width=24 valign=bottom style='width:.25in;padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;</p>
  </td>
  <td width=142 nowrap valign=bottom style='width:106.8pt;padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='margin-right:20.4pt;text-align:right'>(0.03)%</p>
  </td>
 </tr>
 <tr>
  <td width=172 valign=top style='width:128.75pt;padding:0in 0in 0in 0in'>
  <p class=MsoNormal align=center style='text-align:center'>-100</p>
  </td>
  <td width=24 valign=bottom style='width:.25in;padding:0in 0in 0in 0in'>
  <p class=MsoNormal>&nbsp;&nbsp;</p>
  </td>
  <td width=142 nowrap valign=bottom style='width:106.8pt;padding:0in 0in 0in 0in'>
  <p class=MsoNormal align=right style='margin-right:20.4pt;text-align:right'>(9.88)%</p>
  </td>
 </tr>
 <tr>
  <td width=172 valign=top style='width:128.75pt;border:none;border-bottom:
  double windowtext 1.5pt;padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=center style='text-align:center'>-200</p>
  </td>
  <td width=24 valign=bottom style='width:.25in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;</p>
  </td>
  <td width=142 nowrap valign=bottom style='width:106.8pt;border:none;
  border-bottom:double windowtext 1.5pt;padding:0in 0in 0in 0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='margin-right:20.4pt;text-align:right'>(12.83)%</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following GAP Analysis table
indicates Stifel Bank's interest rate sensitivity position at November 30, 2008:
</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:842px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td colspan=8 valign=top style='width:572px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Repricing
  Opportunities</b></p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>(in thousands)</i></b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin-bottom:.0001pt;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>0-6 Months</b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:112px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>7-12 Months</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:21px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:92px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>1-5 Years</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:27px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:104px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin-bottom:.0001pt;text-align:center; margin-left:0in; margin-right:0in; margin-top:0in'><b>5+ Years</b></p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Interest Earning
  Assets:</b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:112px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:92px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:104px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Loans</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=89 valign=top style='width:66.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp; 152,861</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,925</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 32,359</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,040</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Securities and FHLB
  stock</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=89 valign=top style='width:66.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,892</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,090</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,757</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,761</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Fed funds sold</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,555</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:
  15.3pt'><b>Total
  Interest Earning Assets</b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp; 198,308</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,015</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 61,116</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,801</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Interest Bearing Liabilities:</b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='width:112px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Transaction accounts
  and savings</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=89 valign=top style='width:66.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp; 214,805</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,658</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,549</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,457</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Certificates of
  deposit</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=89 valign=top style='width:66.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,241</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,585</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,248</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Borrowings</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:
  15.3pt'><b>Total
  Interest Bearing Liabilities</b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp; 225,048</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,243</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 18,797</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,457</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>GAP</b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp; (26,740)</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:112px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,772</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 42,319</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 10,344</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Cumulative GAP</b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=89 valign=top style='width:66.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp; (26,740)</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (13,968)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:21px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 28,351</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:27px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p style='margin:0in;margin-bottom:.0001pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 38,695</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal><b><i>&nbsp;Equity Price Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are exposed to equity
price risk as a consequence of making markets in equity securities. We attempt
to reduce the risk of loss inherent in our inventory of equity securities by
monitoring those security positions constantly throughout each day.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our equity securities
inventories are repriced on a regular basis, and there are no unrecorded gains
or losses. Our activities as a dealer are client-driven, with the objective of
meeting clients' needs while earning a positive spread.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Credit Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are engaged in
various trading and brokerage activities, with the counterparties primarily
being broker-dealers. In the event counterparties do not fulfill their
obligations, we may be exposed to risk. The risk of default depends on the
creditworthiness of the counterparty or issuer of the instrument. We manage
this risk by imposing and monitoring position limits for each counterparty,
monitoring trading counterparties, conducting regular credit reviews of
financial counterparties, reviewing security concentrations, holding and
marking to market collateral on certain transactions, and conducting business
through clearing organizations, which guarantee performance.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our client activities
involve the execution, settlement, and financing of various transactions on
behalf of our clients. Client activities are transacted on either a cash or
margin basis. Credit exposure associated with our private client business
consists primarily of customer margin accounts, which are monitored daily and
are collateralized. We monitor exposure to industry sectors and individual
securities and perform analyses on a regular basis in connection with our margin
lending activities. We adjust our margin requirements if we believe our risk
exposure is not appropriate based on market conditions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>We
have accepted collateral in connection with resale agreements, securities
borrowed transactions, and customer margin loans. Under many agreements, we are
permitted to sell or repledge these securities held as collateral and use these
securities to enter into securities lending arrangements or to deliver to
counterparties to cover short positions. At December 31, 2008, the fair value
of securities accepted as collateral where we are permitted to sell or repledge
the securities was $432.8 million, and the fair value of the collateral that
had been sold or repledged was $123.4 million.</p>

<p class=MsoFooter align=center style='text-align:center'>62</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank extends
credit to individual and commercial borrowers through a variety of loan
products, including residential and commercial mortgage loans, home equity
loans, construction loans and non-real-estate commercial and consumer loans.
Bank loans are generally collateralized by real estate, real property, or other
assets of the borrower. Stifel Bank's loan policy includes criteria to
adequately underwrite, document, monitor, and manage credit risk. Underwriting
requires reviewing and documenting the fundamental characteristics of credit
including character, capacity to service the debt, capital, conditions, and
collateral. Benchmark capital and coverage ratios are utilized which include
liquidity, debt service coverage, credit, working capital, and capital to asset
ratios. Lending limits are established to include individual, collective,
committee, and board authority. Monitoring credit risk is accomplished through
defined loan review procedures including frequency and scope. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are subject to
concentration risk if we hold large positions, extend large loans to, or have large
commitments with a single counterparty, borrower, or group of similar
counterparties or borrowers (i.e., in the same industry). Securities purchased
under agreements to resell consist of securities issued by the U.S. Government or
its agencies. Receivables from and payables to clients and stock borrow and
lending activities are both with a large number of clients and counterparties,
and any potential concentration is carefully monitored. Stock borrow and
lending activities are executed under master netting agreements, which gives our
company right of offset in the event of counterparty default. Inventory and
investment positions taken and commitments made, including underwritings, may
involve exposure to individual issuers and businesses. We seek to limit this
risk through careful review of counterparties and borrowers and the use of
limits established by our senior management group, taking into consideration
factors including the financial strength of the counterparty, the size of the
position or commitment, the expected duration of the position or commitment,
and other positions or commitments outstanding. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Operational Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Operational risk
generally refers to the risk of loss resulting from our operations, including,
but not limited to, improper or unauthorized execution and processing of
transactions, deficiencies in our technology or financial operating systems,
and inadequacies or breaches in our control processes. We operate different
businesses in diverse markets and are reliant on the ability of our employees
and systems to process a large number of transactions. These risks are less
direct than credit and market risk, but managing them is critical, particularly
in a rapidly changing environment with increasing transaction volumes. In the
event of a breakdown or improper operation of systems or improper action by
employees, we could suffer financial loss, regulatory sanctions, and damage to our
reputation. In order to mitigate and control operational risk, we have
developed and continue to enhance specific policies and procedures that are
designed to identify and manage operational risk at appropriate levels
throughout the organization and within such departments as Accounting,
Operations, Information Technology, Legal, Compliance, and Internal Audit.
These control mechanisms attempt to ensure that operational policies and
procedures are being followed and that our various businesses are operating
within established corporate policies and limits. Business continuity plans
exist for critical systems, and redundancies are built into the systems as
deemed appropriate.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Regulatory and Legal Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Legal risk includes the
risk of large numbers of Private Client Group customer claims for sales
practice violations. While these claims may not be the result of any
wrongdoing, we do, at a minimum, incur costs associated with investigating and
defending against such claims. See further discussion on our legal reserves
policy under &quot;Critical Accounting Policies and Estimates&quot; in Item 7 and &quot;Legal
Proceedings&quot; in Item 3 of this report. In addition, we are subject to
potentially sizable adverse legal judgments or arbitration awards, and fines,
penalties, and other sanctions for non-compliance with applicable legal and
regulatory requirements. We are generally subject to extensive regulation by
the SEC, FINRA, and state securities regulators in the different jurisdictions
in which we conduct business. We have comprehensive procedures addressing
issues such as regulatory capital requirements, sales and trading practices,
use of and safekeeping of customer funds, the extension of credit, including
margin loans, collection activities, money laundering, and record keeping. We
act as an underwriter or selling group member in both equity and fixed income
product offerings. Particularly when acting as lead or co-lead manager, we have
potential legal exposure to claims relating to these securities offerings. To
manage this exposure, a committee of senior executives review proposed
underwriting commitments to assess the quality of the offering and the adequacy
of due diligence investigation.</p>

<p class=MsoFooter align=center style='text-align:center'>63</p>

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<p class=MsoNormal style='margin-top:6.0pt'><b><i>Effects of Inflation</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our assets are primarily
monetary, consisting of cash, securities inventory, and receivables from
customers and brokers and dealers. These monetary assets are generally liquid
and turn over rapidly, and consequently, are not significantly affected by
inflation. However, the rate of inflation affects various expenses of our company,
such as employee compensation and benefits, communications and office supplies,
and occupancy and equipment rental, which may not be readily recoverable in the
price of services we offer to our clients. Further, to the extent inflation
results in rising interest rates and has other adverse effects upon the
securities markets, it may adversely affect our financial position and results
of operations.</p>

<p class=MsoFooter align=center style='text-align:center'>64</p>

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<p class=MsoHeader align=center style='text-align:left'><b>&nbsp;<i><a name="ITEM_8.">ITEM 8.</a>&nbsp; FINANCIAL
STATEMENTS AND SUPPLEMENTARY DATA</i></b></p>



<p class=MsoNormal>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</p>

<p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>

<p class=MsoNormal style='text-align:justify'>To the Board of Directors and Stockholders of</p>

<p class=MsoNormal style='text-align:justify'>Stifel Financial Corp.</p>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>We have audited the
accompanying consolidated statement of financial condition of Stifel Financial
Corp. and subsidiaries (the &quot;Company&quot;) as of December 31, 2008, and the related
consolidated statements of operations, comprehensive income, stockholders'
equity, and cash flows for year then ended. Our audit also included the
financial statement schedule listed in the Index at Item 15. These financial
statements and schedule are the responsibility of the Company's management. Our
responsibility is to express an opinion on these financial statements based on
our audit.</p>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>We conducted our audit
in accordance with the standards of the Public Company Accounting Oversight
Board (United States). Those standards require that we plan and perform the
audit to obtain reasonable assurance about whether the financial statements are
free of material misstatement. An audit includes examining, on a test basis,
evidence supporting the amounts and disclosures in the financial statements. An
audit also includes assessing the accounting principles used and significant
estimates made by management, as well as evaluating the overall financial
statement presentation. We believe that our audit provides a reasonable basis
for our opinion.</p>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>In our opinion, the
financial statements referred to above present fairly, in all material
respects, the consolidated financial position of Stifel Financial Corp. and
subsidiaries at December 31, 2008, and the consolidated results of their operations
and their cash flows for the year then ended, in conformity with U.S. generally
accepted accounting principles. Also, in our opinion, such financial statement
schedule, when considered in relation to the basic consolidated financial
statements taken as a whole, presents fairly, in all material respects, the
information set forth therein.</p>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>We have also audited, in
accordance with the standards of the Public Company Accounting Oversight Board
(United States), the Company's internal control over financial reporting as of
December 31, 2008, based on the criteria established in <i>Internal Control -
Integrated Framework</i> issued by the Committee of Sponsoring Organizations of
the Treadway Commission and our report dated February 26, 2009 expressed an
unqualified opinion thereon.</p>



<p class=MsoNormal style='margin-left:346.5pt'>/s/ Ernst &amp; Young LLP</p>



<p class=MsoNormal>Chicago, Illinois</p>

<p class=MsoNormal>February
26, 2009</p>

<p class=MsoFooter align=center style='text-align:center'>65</p>

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<p class=MsoNormal>REPORT OF
INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</p>

<p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>

<p class=MsoNormal style='text-align:justify'>To the Board of Directors and Stockholders of</p>

<p class=MsoNormal style='text-align:justify'>Stifel Financial Corp.</p>

<p class=MsoNormal style='text-align:justify'>St. Louis, Missouri</p>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>We have audited the
accompanying consolidated statements of financial condition of Stifel Financial
Corp. and subsidiaries (the &quot;Company&quot;) as of December 31, 2007, and the related
consolidated statements of operations, comprehensive income, stockholders'
equity, and cash flows for the years ended December 31, 2007 and 2006. Our
audits also included the financial statement schedule listed in the Index at
Item 15. These financial statements and financial statement schedule are the
responsibility of the Company's management. Our responsibility is to express an
opinion on these financial statements based on our audits.</p>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>We conducted our audits
in accordance with the standards of the Public Company Accounting Oversight
Board (United States). Those standards require that we plan and perform the
audit to obtain reasonable assurance about whether the financial statements are
free of material misstatement. An audit includes examining, on a test basis,
evidence supporting the amounts and disclosures in the financial statements. An
audit also includes assessing the accounting principles used and significant
estimates made by management, as well as evaluating the overall financial
statement presentation. We believe that our audits provide a reasonable basis
for our opinion.</p>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>In our opinion, such
consolidated financial statements present fairly, in all material respects, the
financial position of Stifel Financial Corp. and subsidiaries as of December
31, 2007, and the results of their operations and their cash flows for the
years ended December 31, 2007 and 2006, in conformity with accounting
principles generally accepted in the United States of America. Also, in our
opinion, such financial statement schedule, when considered in relation to the
basic consolidated financial statements taken as a whole, presents fairly, in
all material respects, the information set forth therein.</p>





<p class=MsoNormal>/s/
Deloitte &amp; Touche LLP</p>



<p class=MsoNormal>St.
  Louis, Missouri</p>

<p class=MsoNormal>February
28, 2008</p>

<p class=MsoNormalIndent style='margin-left:0in'><i>&nbsp;</i></p>

<p class=MsoFooter align=center style='text-align:center'>66</p>

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<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
Consolidated Statements
of Financial Condition</b></p>
<div align="center">



<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:746px;margin-left:.1in;border-collapse:collapse;border:medium none; '>
 <tr style='height:14.35pt'>
  <td valign=top style='width:447px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  <b><i>(in
  thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:126px;border-bottom:1.0pt solid windowtext;
  height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:128px;border-bottom:1.0pt solid windowtext;
  height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td style='height:14.35pt;border:none' width=0 height=19></td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Assets</b></p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Cash
  and cash equivalents</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 239,725</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47,963</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Cash
  segregated under federal and other regulations </p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Securities
  purchased under agreements to resell</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,723</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,245</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Receivable
  from brokers and dealers:</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Securities
  failed to deliver </p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,837</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,342</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deposits
  paid for securities borrowed </p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 49,784</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45,144</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Clearing
  organizations </p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,793</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 115,964</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr style='height:12.75pt'>
  <td rowspan=2 valign=top style='width:447px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Receivable from
  brokerage customers, net of allowance for doubtful receivables of $582 and
  $290, respectively </p>
  </td>
  <td rowspan=2 valign=top style='width:126px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 280,143</p>
  </td>
  <td rowspan=2 valign=top style='width:128px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 495,289</p>
  </td>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr style='height:12.75pt'>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Securities:</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Trading
  securities owned and pledged, at fair value </p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 141,085</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 137,058</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Available-for-sale
  securities, at fair value</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 87,107</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.5in;text-indent:-.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Held-to-maturity
  securities, at amortized cost </p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Mortgages held for
  sale</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,799</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:24.3pt;text-indent:-24.3pt'>Bank loans, net of
  allowance for loan losses of $2,448 and $1,685, respectively </p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 181,716</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 126,668</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:24.3pt;text-indent:-24.3pt'>Bank foreclosed assets
  held for sale, net of estimated cost to sell</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,326</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 757</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Investments</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 74,898</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 72,482</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr style='height:12.75pt'>
  <td rowspan=3 valign=top style='width:447px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:24.3pt;text-indent:-24.3pt'>Office equipment and
  leasehold improvements, at cost, <br>
  net of accumulated depreciation and amortization of $54,075 and $41,127,
  respectively </p>
  </td>
  <td rowspan=3 valign=top style='width:126px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47,765</p>
  </td>
  <td rowspan=3 valign=top style='width:128px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40,661</p>
  </td>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr style='height:12.75pt'>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr style='height:12.75pt'>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Goodwill</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 128,278</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 91,886</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr style='height:25.35pt'>
  <td valign=top style='width:447px;border:medium none;height:25.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:24.3pt;text-indent:-24.3pt'>Intangible assets, net
  of accumulated amortization of $8,290 and $5,209, respectively</p>
  </td>
  <td valign=top style='width:126px;border:medium none;height:25.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,984</p>
  </td>
  <td valign=top style='width:128px;border:medium none;height:25.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,715</p>
  </td>
  <td style='height:25.35pt;border:none' width=0 height=34></td>
 </tr>
 <tr style='height:12.75pt'>
  <td rowspan=3 valign=top style='width:447px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:24.3pt;text-indent:-24.3pt'>Loans and advances to
  financial advisors and other employees, net of allowance for doubtful
  receivables from former employees of $1,186 and $737, respectively</p>
  </td>
  <td rowspan=3 valign=bottom style='width:126px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 105,767</p>
  </td>
  <td rowspan=3 valign=bottom style='width:128px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 70,407</p>
  </td>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr style='height:12.75pt'>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr style='height:12.75pt'>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Deferred
  tax assets, net</p>
  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47,337</p>
  </td>
  <td valign=top style='width:128px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,632</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Other
  assets </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:126px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 77,174</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:128px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 81,101</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:447px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Total
  assets </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:126px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,558,145</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:128px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,499,440</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
</table>



</div>



<p class=MsoNormal>See
accompanying Notes to Consolidated Financial Statements.</p>

<p class=MsoFooter align=center style='text-align:center'>67</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br
clear=all style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
Consolidated Statements
of Financial Condition (continued)</b></p>

<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:764px;margin-left:.1in;border-collapse:collapse;border:medium none; '>
 <tr style='height:14.8pt'>
  <td valign=top style='width:387px;border:medium none;height:14.8pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  <b><i>(in
  thousands, except share amounts)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:163px;border-bottom:1.0pt solid windowtext;
  height:14.8pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:168px;border-bottom:1.0pt solid windowtext;
  height:14.8pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td style='height:14.8pt;border:none' width=0 height=20></td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Liabilities
  and stockholders' equity</b></p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Short-term
  borrowings from banks</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 127,850</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Drafts
  payable</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 49,401</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 51,482</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Securities
  sold under agreements to repurchase</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,216</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=bottom style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Payable
  to brokers and dealers:</p>
  </td>
  <td valign=bottom style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
  <td valign=bottom style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Securities
  failed to receive</p>
  </td>
  <td valign=bottom style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,811</p>
  </td>
  <td valign=bottom style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,588</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Deposits
  received from securities loaned</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,987</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 138,475</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Clearing
  organizations</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,893</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,436</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Payable
  to customers</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 156,495</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 159,740</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Bank
  deposits</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 284,798</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 192,481</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Federal
  Home Loan Bank advances and other secured &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; financing</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,000</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Trading
  securities sold, but not yet purchased, at fair value</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,934</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,613</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Accrued
  employee compensation </p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 130,037</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 147,161</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Accounts
  payable and accrued expenses</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100,528</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 72,735</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Debenture
  to Stifel Financial Capital Trust II</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,000</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,000</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Debenture
  to Stifel Financial Capital Trust III</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,000</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,000</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Debenture
  to Stifel Financial Capital Trust IV</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,500</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,000</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Other</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:163px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,998</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:168px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,598</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 960,598</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,070,159</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  Liabilities
  subordinated to claims of general creditors</p>
  </td>
  <td valign=bottom style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,362</p>
  </td>
  <td valign=bottom style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,644</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Stockholders'
  equity*</b></p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Preferred
  stock - $1 par value; authorized 3,000,000 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; shares; none issued</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr style='height:38.25pt'>
  <td valign=top style='width:387px;border:medium none;height:38.25pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Common
  stock - $.15 par value; authorized<br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,000,000 shares; issued 26,300,135 and<br>
	&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,319,876 shares,
  respectively
  </p>
  </td>
  <td valign=bottom style='width:163px;border:medium none;height:38.25pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,945</p>
  </td>
  <td valign=bottom style='width:168px;border:medium none;height:38.25pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,498</p>
  </td>
  <td style='height:38.25pt;border:none' width=0 height=51></td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Additional
  paid-in capital</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 427,480</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 298,092</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Retained
  earnings</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 168,993</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 125,303</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Accumulated
  other comprehensive loss</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:163px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6,295)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:168px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (660)</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 594,123</p>
  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 426,233</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Less:</p>
  </td>
  <td valign=top style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align="left">Treasury
  stock, at cost, 0 and 13,879 shares, respectively </p>
  </td>
  <td valign=bottom style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 450</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr style='height:25.5pt'>
  <td valign=top style='width:387px;border:medium none;height:25.5pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.9pt;text-indent:-.9pt'>Unearned employee
  stock ownership plan shares, at cost, 146,421 and 178,958 shares,
  respectively</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:163px;border-bottom:
  1.0pt solid windowtext;height:25.5pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 938</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:168px;border-bottom:
  1.0pt solid windowtext;height:25.5pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,146</p>
  </td>
  <td style='height:25.5pt;border:none' width=0 height=34></td>
 </tr>
 <tr style='height:12.75pt'>
  <td rowspan=2 valign=top style='width:387px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td rowspan=2 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:163px;border-bottom:1.0pt solid windowtext;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 593,185</p>
  </td>
  <td rowspan=2 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:168px;border-bottom:1.0pt solid windowtext;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 424,637</p>
  </td>
  <td style='height:12.75pt;border:none' width=0 height=17></td>
 </tr>
 <tr style='height:12.75pt'>

  <td style='height:12.75pt;border:none' width=0 height=17></td>

 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.75pt;text-indent:-19.75pt'>Total liabilities and
  stockholders' equity</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:163px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,558,145</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:168px;border-bottom:
  1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,499,440</p>
  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:387px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=bottom style='width:163px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=bottom style='width:168px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td style='border:none' width=0><p class='MsoNormal'>&nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'><i>* </i><i>Common stock shares, common stock amount,
additional paid-in capital, employee stock ownership plan shares and treasury
shares reflect the three-for-two stock split distributed in June 2008.</i></p>

<p class=Notes style='margin-top:6.0pt;text-indent:0in'><i>&nbsp;</i></p>

<p class=MsoNormal style='margin-top:6.0pt'>See accompanying Notes to Consolidated Financial
Statements.</p>

<p class=MsoFooter align=center style='text-align:center'>68</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br
clear=all style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
Consolidated Statements
of Operations</b></p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=661
 style='width:495.75pt;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=309 colspan=3 valign=top style='width:232.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><br>
  <b><i>(in thousands, except per share amounts)</i></b></p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Revenues:</b></p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Commissions</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 341,090</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 315,514</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 199,056</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'>
  <p class=MsoNormal style='text-indent:.15in'>Principal transactions</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 293,285</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 139,248</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 86,365</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Investment banking</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83,710</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 169,413</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 82,856</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'>
  <p class=MsoNormal style='text-indent:.15in'>Asset management and service fees</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 119,926</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 101,610</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,713</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Interest</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,148</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 59,071</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,804</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Other</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 688</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,234</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,594</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:24.3pt'>Total revenues </p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 888,847</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 793,090</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 471,388</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Interest expense </p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,510</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,025</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,581</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:24.3pt'>Net revenues</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 870,337</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 763,065</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 451,807</p>
  </td>
 </tr>
 <tr style='height:12.1pt'>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.1pt'>
  <p class=MsoNormal><b>Non-interest
  expenses:</b></p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:12.1pt' align="right">

  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:12.1pt' align="right">

  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:12.1pt' align="right">

  </td>
 </tr>
 <tr style='height:12.1pt' style='height:12.1pt !msorm'>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.1pt'>
  <p class=MsoNormal style='text-indent:.15in'>Employee compensation and benefits </p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.1pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 582,778</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.1pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 543,021</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.1pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 329,703</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Occupancy and equipment rental </p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 67,984</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,796</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,751</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'>
  <p class=MsoNormal style='text-indent:.15in'>Communications and office supplies</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45,621</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42,355</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,666</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Commissions and floor brokerage</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,287</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,921</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,388</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Other operating expenses </p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 68,898</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 56,126</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,930</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:24.3pt'>Total non-interest expenses </p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 778,568</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 709,219</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 425,438</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Income
  before income taxes</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 91,769</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,846</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,369</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Provision
  for income taxes</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,267</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,676</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,938</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:24.3pt'><b>Net income</b></p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp; 55,502</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp; 32,170</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp; 15,431</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  income per share - basic*</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.31</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.48</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.89</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Net
  income per share - diluted*</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.98</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.25</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:24.3pt;text-indent:-22.5pt'>Weighted average
  common shares<br>
  outstanding - basic*</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,069</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,754</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,269</p>
  </td>
 </tr>
 <tr>
  <td width=352 valign=top style='width:263.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'>
  <p class=MsoNormal style='margin-left:24.3pt;text-indent:-22.5pt'>Weighted average
  common and common<br>
  equivalent shares outstanding - diluted*</p>
  </td>
  <td width=106 valign=top style='width:79.65pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:solid windowtext 1.0pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,073</p>
  </td>
  <td width=104 valign=top style='width:77.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:solid windowtext 1.0pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,723</p>
  </td>
  <td width=99 valign=top style='width:74.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:solid windowtext 1.0pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,863</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'><i>* All share and earnings per share amounts have
been adjusted for the June 12, 2008 three-for-two stock split.</i></p>

<p class=MsoNormal style='margin-top:6.0pt'>See accompanying Notes to Consolidated Financial
Statements.</p>

<p class=MsoFooter align=center style='text-align:center'>69</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br
clear=all style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
Consolidated Statements
of Comprehensive Income</b></p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:710px;margin-left:.9pt;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:332px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  <b><i>(in
  thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td valign=top style='width:94px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td valign=top style='width:102px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  income</p>
  </td>
  <td valign=top style='width:111px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp; 55,502</p>
  </td>
  <td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 32,170</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 15,431</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Other
  comprehensive loss:</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.5in;text-indent:-.25in'>Unrealized loss on
  available-for-sale securities<br>
  net of tax effect of ($3,757) in 2008, <br>
  ($440) in 2007, and $0 in 2006</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6,634)</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (660)</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:35.1pt;text-indent:-.25in'>Reclassification adjustment
  for losses included in net income, net of tax of $1,166, $0 and $0</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 999</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-indent:17.1pt'>Other comprehensive loss</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (5,635)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (660)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Comprehensive
  income</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp; 49,867</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 31,510</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 15,431</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal>See
accompanying Notes to Consolidated Financial Statements.</p>

<p class=MsoFooter align=center style='text-align:center'>70</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br
clear=all style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
Consolidated Statements
of Stockholders' Equity&nbsp;</b></p>
<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:1215px;margin-left:-.3in;border-collapse:collapse;border:medium none; '>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Accumulated</i></b></p>
  </td>
  <td colspan=2 valign=top style='width:197px;border:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Treasury Stock and</i></b></p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Additional</i></b></p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Other</i></b></p>
  </td>
  <td colspan=2 valign=top style='width:197px;border:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Unearned Employee</i></b></p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>(in
  thousands,</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:193px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Common Stock</i></b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Paid-in</i></b></p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Retained</i></b></p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>Comprehensive</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:197px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Stock Ownership Plan</i></b></p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>except
  share amounts)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Shares</i></b></p>
  </td>
  <td valign=top style='width:87px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Amount</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Capital</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Earnings</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Loss</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Shares</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Amount</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Total</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Balance
  at December 31, 2005 </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>15,444,418</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 1,741</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 74,645</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 80,279</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> (250,498)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp; (1,572)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ 155,093</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Purchase
  of treasury shares</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal> (788,356)</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (17,096)</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(17,096)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Employee
  stock ownership plan </p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 590</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,532</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 208</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 798</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Employee
  benefit plans <sup>(a)</sup></p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>844,773</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 702</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; (32,149)</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (239)</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 695,475</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,543</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(16,143)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Stock
  options exercised </p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>170,585</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,352</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (820)</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 99,355</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,562</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,120</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Units
  amortization </p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,583</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 32,583</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Private
  Placement</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,578,330</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 237</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,820</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 36,057</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Excess
  tax benefit</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,422</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 11,422</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  income for the year </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,431</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 15,431</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Balance
  at December 31, 2006 </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>18,038,106</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,706</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 124,263</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 94,651</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal> (211,492)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,355)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 220,265</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Cumulative effect to
  prior year retained earnings related to the adoption of FIN 48</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
  --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Net unrealized loss on
  available for sale securities <sup>(b)</sup></p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (660)</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (660)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Ryan Beck-issue shares</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,701,400</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 555</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 101,974</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 102,529</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Ryan Beck-accelerate
  deferred<br>
  compensation</p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,673</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 16,673</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Purchase of treasury
  shares</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> (126,530)</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (4,165)</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (4,165)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Employee stock
  ownership plan </p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 882</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,535</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 208</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,090</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Employee benefit plans <sup>(a)</sup></p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,161,674</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 174</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (13,916)</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (79)</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,979</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 450</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(13,371)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Stock options exercised
  </p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>406,696</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 61</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,196</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,507)</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 96,375</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,220</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,970</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Issue warrants</p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,895</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 16,895</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Warrant exercise </p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (15)</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (15)</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,296</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Units amortization </p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38,101</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 38,101</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Private Placement</p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>12,000</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 198</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 200</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Excess tax benefit</p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,841</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 11,841</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Net income for the year
  </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,170</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 32,170</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Balance
  at December 31, 2007 </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>23,319,876</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,498</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 298,092</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 125,303</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (660)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> (192,837)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,596)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 424,637</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Net unrealized loss on
  available for sale securities <sup>(b)</sup></p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (5,635)</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (5,635)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Purchase of treasury
  shares</p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> (430,350)</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (12,141)</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(12,141)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Employee stock
  ownership plan </p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,004</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,536</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 208</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,212</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Employee benefit plans <sup>(a)</sup></p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>811,164</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 122</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (21,480)</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (9,951)</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 344,295</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,874</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(21,435)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Stock options exercised
  </p>
  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>243,383</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 37</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,062</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,861)</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 97,580</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,657</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,895</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Warrant exercise </p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (4)</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 297</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Units amortization </p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 52,593</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 52,593</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Public offering of
  common stock</p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,495,000</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 224</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 64,145</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 64,369</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Ryan Beck contingent<br>
  earn-out</p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>288,516</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,277</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,058</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 56</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 11,376</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Extinguishment of
  Stifel Financial Capital Trust IV</p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>142,196</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,951</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,972</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:347px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Excess tax benefit</p>
  </td>
  <td valign=bottom style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,840</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 14,840</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:13.5pt;text-indent:-13.5pt'>Net income for the year
  </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,502</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 55,502</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Balance
  at December 31, 2008 </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>26,300,135</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 3,945</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp; 427,480</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp; 168,993</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6,295)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal> (146,421)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (938)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$ 593,185</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-left:0in;text-align:justify;text-indent:0in'><sup>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>Represents the issuance of stock for
employee benefit plans, net of tax withholdings. <sup><br>
(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>Net of tax</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>Common stock shares, common stock amount,
additional paid-in capital, employee stock ownership plan shares and treasury
shares reflect the three-for-two stock split distributed in June 2008.</i></p>

<p class=MsoNormal style='margin-top:6.0pt'>See accompanying Notes to Consolidated Financial
Statements.</p>

<p class=MsoFooter align=center style='text-align:center'>71</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
Consolidated Statements
of Cash Flows</b></p>
<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:830px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:365px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  <b><i>(in thousands</i>)</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:116px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td valign=top style='width:113px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td valign=top style='width:108px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Cash
  Flows from Operating Activities:</b></p>
  </td>
  <td valign=top style='width:116px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  income</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 55,502</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 32,170</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 15,431</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-13.5pt'>Adjustments to
  reconcile net income to net cash provided by (used in) operating activities:</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:12.6pt'>Depreciation and amortization</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 17,027</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 15,663</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,257</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-indent:12.6pt'>Loans and advances amortization</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 15,203</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 16,578</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,806</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:12.6pt'>Accretion of discounts on available-for-sale
  securities</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (593)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:24.35pt;text-indent:-11.75pt'>Provision for loan
  losses and allowances for loans and advances to financial advisors and other
  employees</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,801</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,275</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:12.6pt'>Deferred taxes and other</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (6,168)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (22,070)</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 642</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:12.6pt'>Excess tax benefit associated with stock based
  awards</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; (14,840)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; (11,841)</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; (11,422)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>Warrant valuation adjustment</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 455</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:12.6pt'>Compensation related to the private placement</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,751</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>Gain on extinguishment of debt</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (6,662)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (3,750)</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:12.6pt'>Stock based compensation</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 54,356</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 56,381</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,932</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:12.6pt'>(Gains) losses on investments </p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 10,843</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (1,225)</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (8,696)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-indent:12.6pt'>Loss on sale of bank foreclosed assets</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 254</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Decrease
  (increase) in assets:</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Operating receivables</p>
  </td>
  <td valign=bottom style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 285,182</p>
  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> (266,248)</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (59,132)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Cash segregated under
  federal and other regulations</p>
  </td>
  <td valign=bottom style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (21)</p>
  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 97</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (12)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Securities purchased
  under agreements to resell</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (4,478)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 142,900</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (90,546)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Loans originated as
  mortgages held for sale</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal> (322,809)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; (20,279)</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Proceeds from
  mortgages held for sale</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 293,544</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 17,173</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Trading securities
  owned, including those pledged </p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,624</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 285,546</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; (90,294)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Loans and advancements
  to financial advisors and other employees</p>
  </td>
  <td valign=bottom style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (49,065)</p>
  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (45,072)</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (11,218)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Other assets</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,496</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 15,822</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,985</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Increase
  (decrease) in liabilities:</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Operating payables</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (24,839)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 36,175</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 63,261</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Trading securities
  sold, but not yet purchased </p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 61,616</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal> (226,627)</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 56,462</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Other liabilities</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:116px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (26,680)</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 49,585</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; (10,885)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:437px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  Cash Provided by (Used in) Operating Activities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:116px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp; 350,293</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 72,754</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$ (54,678)</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal>See
accompanying Notes to Consolidated Financial Statements.</p>

<p class=MsoFooter align=center style='text-align:center'>72</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br
clear=all style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
CONSOLIDATED STATEMENTS
OF CASH FLOWS (continued)</b></p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:826px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:364px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  <b><i>(in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:116px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td valign=top style='width:114px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td valign=top style='width:106px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Cash
  Flows from Investing Activities:</b></p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Proceeds
  from sale or maturity of investments</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 63,428</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 64,065</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 74,444</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:12.1pt;text-indent:-12.1pt'>Proceeds from
  maturities, calls, and principal paydowns on available-for-sale securities</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp; 43,950</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Proceeds
  from sale of property</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 766</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,131</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Proceeds
  from bank customer loan repayments</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 153,983</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 40,947</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Proceeds
  from sale of bank foreclosed assets held for sale</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,340</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 691</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-13.5pt'>Excess of cash
  acquired over cash disbursed in Ryan Beck acquisition</p>
  </td>
  <td valign=bottom style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,545</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Payments
  for:</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Bank customer loan
  originations</p>
  </td>
  <td valign=bottom style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> (214,297)</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(68,050)</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Purchase of First
  Service, net of cash acquired</p>
  </td>
  <td valign=bottom style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(33,219)</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Purchase of Miller Johnson
  Steichen Kinnard </p>
  </td>
  <td valign=bottom style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (110)</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (8,220)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Purchase of LM Capital
  Markets business, net of cash acquired</p>
  </td>
  <td valign=bottom style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (1,023)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Purchase of Butler
  Wick, net of cash</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(10,589)</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr style='height:12.65pt'>
  <td valign=top style='width:434px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Purchase of
  available-for-sale securities</p>
  </td>
  <td valign=top style='width:116px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(24,909)</p>
  </td>
  <td valign=top style='width:114px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(70,541)</p>
  </td>
  <td valign=top style='width:106px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr style='height:12.65pt'>
  <td valign=top style='width:434px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Purchase of bank
  foreclosed assets held for sale </p>
  </td>
  <td valign=top style='width:116px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (2,093)</p>
  </td>
  <td valign=top style='width:114px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (123)</p>
  </td>
  <td valign=top style='width:106px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr style='height:12.65pt'>
  <td valign=top style='width:434px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Office equipment and leasehold
  improvements</p>
  </td>
  <td valign=top style='width:116px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(21,647)</p>
  </td>
  <td valign=top style='width:114px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(25,607)</p>
  </td>
  <td valign=top style='width:106px;height:12.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (7,572)</p>
  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:434px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Purchase of
  investments </p>
  </td>
  <td valign=top style='width:116px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(76,396)</p>
  </td>
  <td valign=top style='width:114px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(63,441)</p>
  </td>
  <td valign=top style='width:106px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(68,620)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  Cash Used in Investing Activities </p>
  </td>
  <td valign=top style='width:116px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(86,464)</p>
  </td>
  <td valign=top style='width:114px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal> (150,712)</p>
  </td>
  <td valign=top style='width:106px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(10,991)</p>
  </td>
 </tr>
 <tr style='height:14.35pt'>
  <td valign=top style='width:434px;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Cash
  Flows from Financing Activities:</b></p>
  </td>
  <td valign=top style='width:116px;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr style='height:14.35pt'>
  <td valign=top style='width:434px;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Increase
  in bank deposits, net</p>
  </td>
  <td valign=top style='width:116px;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 92,317</p>
  </td>
  <td valign=top style='width:114px;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 97,215</p>
  </td>
  <td valign=top style='width:106px;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr style='height:25.85pt'>
  <td valign=top style='width:434px;height:21px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:12.1pt;text-indent:-12.1pt'>Net proceeds
  (payments) for short-term borrowings from banks</p>
  </td>
  <td valign=top style='width:116px;height:21px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>(127,850)</p>
  </td>
  <td valign=top style='width:114px;height:21px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp; (67,750)</p>
  </td>
  <td valign=top style='width:106px;height:21px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 54,600</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Securities
  loaned, net</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> (114,211)</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 47,619</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (1,902)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Securities
  sold under agreement to repurchase</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,216</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.3in'>Reissuance of treasury
  stock</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 727</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 628</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 576</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Issuance
  of stock</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,580</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,856</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 995</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.25pt'>Issuance of debentures to Stifel Financial
  Capital Trust III</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 35,000</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.25pt'>Issuance of debentures to Stifel Financial
  Capital Trust IV</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 35,000</p>
  </td>
  <td valign=bottom style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Excess
  tax benefits associated with stock-based awards</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 14,840</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 11,841</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 11,422</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:12.1pt;text-indent:-12.1pt'>Proceeds from public
  offering of common stock, net</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 64,369</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.1pt;text-indent:-12.1pt'>Proceeds from Federal
  Home Loan Bank and other secured financing</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,000</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Proceeds
  from private placement</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 200</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 26,306</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Payments
  for:</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Advances from the
  Federal Home Loan Bank</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(11,035)</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Purchases of stock for
  treasury</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(12,141)</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (4,165)</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(17,096)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Calling of Stifel
  Financial Capital Trust I</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;(34,500)</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Extinguishment of debt</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; (6,250)</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-9.0pt'>Reduction of
  subordinated debt</p>
  </td>
  <td valign=top style='width:116px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (914)</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (720)</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (779)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  Cash Provided by (Used in) Financing Activities</p>
  </td>
  <td valign=top style='width:116px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;(72,067)</p>
  </td>
  <td valign=top style='width:114px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 104,939</p>
  </td>
  <td valign=top style='width:106px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 74,122</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Increase
  in cash and cash equivalents </p>
  </td>
  <td valign=top style='width:116px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; 191,762</p>
  </td>
  <td valign=top style='width:114px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 26,981</p>
  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,453</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Cash
  and cash equivalents at beginning of year</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:116px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 47,963</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 20,982</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 12,529</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:434px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Cash
  and cash equivalents at end of year </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:116px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ 239,725</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 47,963</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 20,982</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal>See
accompanying Notes to Consolidated Financial Statements.</p>

<p class=MsoFooter align=center style='text-align:center'>73</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>






</p>






<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
CONSOLIDATED STATEMENTS
OF CASH FLOWS (continued)</b></p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:877px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:397px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Year Ended</i></b></p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  <b><i>(in thousands)</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:149px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td valign=top style='width:111px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td valign=top style='width:109px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Supplemental
  disclosures of cash flow information:</b></p>
  </td>
  <td colspan=2 valign=top style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Interest payments</p>
  </td>
  <td colspan=2 valign=top style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 19,375</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 29,316</p>
  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 18,729</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt'>Income tax payments</p>
  </td>
  <td colspan=2 valign=top style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 31,966</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 21,031</p>
  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,554</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-13.5pt'><b>Schedule of Noncash
  Investing and Financing Activities:</b></p>
  </td>
  <td colspan=2 valign=top style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal></p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Units, net of forfeitures</p>
  </td>
  <td colspan=2 valign=top style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 65,609</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 73,267</p>
  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 88,091</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt'>Employee stock ownership shares</p>
  </td>
  <td colspan=2 valign=top style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 208</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 208</p>
  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 208</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Liabilities subordinated to claims of general
  creditors</p>
  </td>
  <td colspan=2 valign=bottom style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,050</p>
  </td>
  <td valign=bottom style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,474</p>
  </td>
  <td valign=bottom style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt'>Stock and warrant issued for Ryan Beck
  acquisition</p>
  </td>
  <td colspan=2 valign=bottom style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; 118,969</p>
  </td>
  <td valign=bottom style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.4in;text-indent:-13.5pt'>Exchange of Ryan Beck
  appreciation units for Company restricted stock units</p>
  </td>
  <td colspan=2 valign=bottom style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp; 16,895</p>
  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.4in;text-indent:-13.5pt'>Extinguishment of
  debenture to Stifel Capital Trust IV</p>
  </td>
  <td colspan=2 valign=bottom style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,975</p>
  </td>
  <td valign=bottom style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td colspan=2 valign=top style='width:448px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.4in;text-indent:-13.5pt'>Payment of Ryan Beck contingent
  earn-out</p>
  </td>
  <td colspan=2 valign=bottom style='width:149px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 11,375</p>
  </td>
  <td valign=bottom style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=4><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr height=0>
  <td width=26 style='border:none'></td>
  <td width=423 style='border:none'></td>
  <td width=0 style='border:none'></td>
  <td width=164 style='border:none'></td>
  <td width=125 style='border:none'></td>
  <td width=123 style='border:none'></td>
  <td width=4 style='border:none'></td>
 </tr>
</table>



</div>



<p class=MsoNormal>See
accompanying Notes to Consolidated Financial Statements.</p>

<p class=MsoFooter align=center style='text-align:center'>74</p>

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<p align="center">





<b><br
clear=all style='page-break-before:always'>
</b>
<a href="#TABLE_OF_CONTENTS">Table of Contents</a></p>







<p class=MsoHeader align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
Notes to Consolidated
Financial Statements (in thousands except share and per share amounts)</b></p>

<p class=MsoNormal><b><i>&nbsp;NOTE
1 - Summary of Significant Accounting and Reporting Policies</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Nature of Operations</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Financial Corp.
(the &quot;Parent&quot; or the &quot;Company&quot;), through its wholly-owned subsidiaries,
principally Stifel, Nicolaus &amp; Company, Incorporated (&quot;Stifel Nicolaus&quot;), Century
Securities Associates, Inc. (&quot;CSA&quot;), Stifel Nicolaus Limited (&quot;SN Ltd&quot;), Butler
Wick &amp; Company, Inc. (&quot;Butler Wick&quot;), and Stifel Bank &amp; Trust (&quot;Stifel
Bank&quot;), collectively referred to as the &quot;Company,&quot; is principally engaged in
retail brokerage, securities trading, investment banking, investment advisory,
retail, consumer and commercial banking and related financial services
throughout the United States. Although the Company has offices throughout the United States and three European cities, its major geographic area of concentration is in the
Midwest and Mid-Atlantic regions, with a growing presence in the Northeast,
Southeast and Western United States. The Company's principal customers are
individual investors, corporations, municipalities, and institutions.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Basis of Presentation</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The consolidated
financial statements include the accounts of the Parent and its wholly-owned
subsidiaries, principally Stifel Nicolaus. Stifel Nicolaus is a broker-dealer
registered under the Securities Exchange Act of 1934, as amended (the &quot;Exchange
Act&quot;). All material intercompany balances and transactions are eliminated in
consolidation.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On May 12, 2008, the
Board of Directors authorized a 50% stock dividend, which was made in the form
of a three-for-two stock split to shareholders of record on May 29, 2008 and
distributed on June 12, 2008. Cash was distributed in lieu of fractional
shares. All share and per share data (except par value) have been adjusted to
reflect the effect of the stock split for all periods presented. The number of
shares of common stock issuable upon exercise of outstanding stock options,
vesting of other stock awards, and the number of shares reserved for issuance
under various employee benefit plans were proportionately increased in
accordance with the terms of the respective plans.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Consolidation Policies</i></b></p>

<p class=MsoNormalIndent style='margin-top:6.0pt;margin-right:0in;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.25in'>The consolidated
financial statements include the accounts of Stifel Financial Corp. and its
subsidiaries. The Company also has investments or interests in other entities
for which it must evaluate whether to consolidate by determining whether it has
a controlling financial interest or is considered to be the primary
beneficiary. In determining whether to consolidate these entities or not, the Company
determines whether the entity is a voting interest entity, or a variable
interest entity (&quot;VIE&quot;).</p>

<p class=MsoNormalIndent style='margin-top:6.0pt;margin-right:0in;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.25in'><b><i>Voting Interest
Entity. </i></b>Voting
interest entities are entities that have (i) total equity investment at risk
sufficient to fund expected future operations independently; and (ii) equity
holders who have the obligation to absorb losses or receive residual returns
and the right to make decisions about the entity's activities. The Company
consolidates voting interest entities in accordance with Accounting Research
Bulletin (&quot;ARB&quot;) No. 51, &quot;Consolidated Financial Statements,&quot; when it
determines that it has a controlling financial interest, usually ownership of
all, or a majority of, the voting interest.</p>

<p class=MsoNormalIndent style='margin-top:6.0pt;margin-right:0in;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.25in'><b><i>Variable Interest
Entity. </i></b>VIEs
are entities that lack one or more of the characteristics of a voting interest
entity. The Company is required to consolidate VIEs in which it is deemed to be
the primary beneficiary in accordance with Financial Accounting Standards Board
(&quot;FASB&quot;) Interpretation No. 46(R) (&quot;FIN 46R&quot;), &quot;Consolidation of Variable
Interest Entities (revised December 2003) - an interpretation of ARB No. 51.&quot;
The primary beneficiary is defined as the entity that has a variable interest,
or a combination of variable interests, that will either: (i) absorb a majority
of the VIEs expected losses; (ii) receive a majority of the VIEs expected
returns; or (iii) both. </p>

<p class=MsoFooter align=center style='text-align:center'>&nbsp;75</p>

<div class=MsoNormalIndent align=center style='margin-left:0in;text-align:center'>

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</p>












<p class=MsoNormalIndent style='margin-top:6.0pt;margin-right:0in;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify'>The Company determines
whether it is the primary beneficiary of a VIE by first performing a
qualitative analysis of the VIE's expected losses and expected residual
returns. This analysis includes a review of, among other factors, the VIE's
capital structure, contractual terms, which interests create or absorb
variability, related party relationships and the design of the VIE. Where
qualitative analysis is not conclusive, the Company performs a quantitative
analysis. The Company reassesses its initial evaluation of an entity as a VIE
and its initial determination of whether the Company is the primary beneficiary
of a VIE upon the occurrence of certain reconsideration events as defined in
FIN 46R.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><b><i>Other. </i></b>The Company has formed
several non-consolidated investment funds with third-party investors that are
typically organized as limited liability companies or limited partnerships. For
those funds where the Company acts as the general partner, the Company economic
interest is generally limited to management fee arrangements as stipulated by
the Operating Agreements. The Company has generally provided the third-party
investors with rights to terminate the funds or to remove the Company as the
general partner. If FIN 46R does not apply, the Company considers Emerging
Issues Task Force (&quot;EITF&quot;) Issue No. 04-5 (&quot;EITF 04-5&quot;), &quot;Determining Whether a
General Partner, or the General Partners as a Group, Controls a Limited
Partnership or Similar Entity When the Limited Partners Have Certain Rights,&quot;
which provides guidance in determining whether a general partner controls a
limited partnership. EITF 04-5 states that the general partner in a limited
partnership is presumed to control that limited partnership. The presumption
may be overcome if the limited partners have either (1) the substantive ability
to dissolve the limited partnership or otherwise remove the general partner
without cause or (2) substantive participating rights, which provide the
limited partners with the ability to effectively participate in significant
decisions that would be expected to be made in the ordinary course of the
limited partnership's business and thereby preclude the general partner from
exercising unilateral control over the partnership. If the criteria in EITF
04-5 are met, the consolidation of the partnership or limited liability company
is required. Based on the Company's initial evaluation of these entities under
the provisions of FIN 46R and EITF 04-5, it was determined that these entities
were not variable interest entities of the Company and do not require
consolidation pursuant to EITF 04-5.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Use of Estimates</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The preparation of
financial statements in conformity with U.S. generally accepted accounting
principles requires management to make estimates and assumptions that affect
the reported amounts of assets and liabilities and disclosure of contingent
assets and liabilities at the date of the financial statements and the reported
amounts of revenues and expenses during the reporting period. Actual results
could differ from those estimates. Management considers its significant
estimates, which are most susceptible to change and impacted significantly by
judgments, assumptions and estimates, to be: the fair value of investments; the
accrual for litigation; the allowance for doubtful receivables from loans and
advances to financial advisors and other employees; the allowance for loan
losses, the fair value of goodwill and intangible assets; the provision for
income taxes and related tax reserves; and the estimation of forfeitures
associated with stock-based compensation. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Cash and Cash Equivalents</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Cash and cash
equivalents are short-term, highly liquid investments with original maturities
of 90 days or less including money market mutual funds, other than those held
for sale in the ordinary course of business.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Cash Segregated Under Federal and Other
Regulations </i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>In accordance with Rule
15c3-3 of the Securities Exchange Act of 1934, Stifel Nicolaus, Butler Wick, and
CSA, as broker-dealers carrying client accounts, are subject to requirements
related to maintaining cash or qualified securities in a segregated reserve
account for the exclusive benefit of their clients.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Repurchase Agreements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Securities purchased
under agreements to resell (&quot;Resale Agreements&quot;) and securities sold under
agreements to repurchase (&quot;Repurchase Agreements&quot;) are recorded at the
contractual amounts that the securities will be resold/repurchased, including
accrued interest. The Company's policy is to obtain possession or control of
securities purchased under Resale Agreements and to obtain additional
collateral when necessary to minimize the risk associated with this activity.
All resale and repurchase agreement activity is concentrated with one
counterparty.</p>

<p class=MsoFooter align=center style='text-align:center'>76</p>

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</p>










<p class=MsoNormal style='margin-top:6.0pt'><b><i>Securities Borrowing and Lending Activities</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Securities borrowed and
securities loaned are recorded at the amount of cash collateral advanced or
received. Securities borrowed transactions require the Company to deposit cash
with the lender generally in excess of the market value of securities borrowed.
With respect to securities loaned, the Company receives collateral in the form
of cash in an amount generally in excess of the market value of securities
loaned. The Company monitors the market value of securities borrowed and loaned
generally on a daily basis, with additional collateral obtained or refunded as
necessary. Substantially all of these transactions are executed under master
netting agreements, which give the Company right of offset in the event of
counterparty default; however, such receivables and payables with the same
counterparty are not set-off in the Company's consolidated statements of financial
condition.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Brokerage Client Receivables
and Allowance for Doubtful Accounts</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Brokerage client
receivables include receivables of the Company's broker-dealer subsidiaries,
which represent amounts due on cash and margin transactions and are generally
collateralized by securities owned by clients. The receivables are reported at
their outstanding principal balance, adjusted for any allowance for doubtful
accounts. When a broker-dealer receivable is considered to be impaired, the
amount of the impairment is generally measured based on the fair value of the
securities acting as collateral, which is measured based on current prices from
independent sources such as listed market prices or broker-dealer price
quotations. Securities owned by customers, including those that collateralize
margin or other similar transactions, are not reflected in the consolidated statements
of financial condition.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Financial Instruments</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Trading securities owned
and pledged, available-for-sale securities, certain investments, and trading
securities sold, but not yet purchased, on our consolidated statements of
financial condition are recorded at fair value. Securities owned, and securities sold,
but not yet purchased are valued using quoted market or dealer prices. Brokerage
client receivables, primarily consisting of floating-rate loans collateralized
by customer-owned securities, are charged interest at rates similar to other
such loans made throughout the industry. Other than those separately discussed
in the notes to consolidated financial statements, the Company's remaining
financial instruments are generally short-term in nature and their carrying
values approximate fair value. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Fair Value Hierarchy</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On January 1, 2008, the
Company adopted SFAS No. 157, &quot;Fair Value Measurements&quot; (&quot;SFAS 157&quot;), which defines
fair value, establishes guidelines for measuring fair value and expands
disclosures regarding fair value measurements. SFAS 157 maximizes the use of
observable inputs and minimizes the use of unobservable inputs by requiring
that the observable inputs be used when available. Observable inputs are inputs
that market participants would use in pricing the asset or liability based on
market data obtained from independent sources. Unobservable inputs reflect our
assumptions that market participants would use in pricing the asset or
liability developed based on the best information available in the
circumstances. The hierarchy is broken down into three levels based on the
transparency of inputs as follows:</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level I - Quoted prices (unadjusted) are available in
active markets for identical assets or liabilities as of the measurement date.
A quoted price for an identical asset or liability in an active market provides
the most reliable fair value measurement because it is directly observable to
the market. The type of financial instruments included in Level I are highly
liquid instruments with quoted prices such as equities listed in active markets
and certain U.S. Treasury bonds and other government obligations. </p>

<p class=MsoFooter align=center style='text-align:center'>77</p>

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</p>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level II - Pricing inputs are other than quoted prices
in active markets, which are either directly or indirectly observable as of the
measurement date. The nature of these financial instruments include instruments
for which quoted prices are available but traded less frequently, derivative
instruments whose fair value have been derived using a model where inputs to
the model are directly observable in the market, or can be derived principally
from or corroborated by observable market data, and instruments that are fair
valued using other financial instruments, the parameters of which can be directly
observed. Instruments which are generally included in this category are equity securities not
actively traded, corporate obligations infrequently traded, certain government
and municipal obligations, certain bank notes, interest rate swaps, certain
asset-backed securities consisting of collateral loan obligation securities,
and certain mortgage-backed securities. </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level III - Instruments that have little to no pricing
observability as of the measurement date. These financial instruments do not
have two-way markets and are measured using management's best estimate of fair
value, where the inputs into the determination of fair value require
significant management judgment or estimation. Instruments included in this
category generally include equity securities with unobservable inputs, certain corporate
obligations with unobservable pricing inputs, auction rate securities, certain
airplane trust certificates, limited partnerships, and other Company
investments.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Valuation of Financial Instruments</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>When available, we use observable market prices,
observable market parameters, or broker or dealer prices (bid and ask prices)
to derive the fair value of financial instruments. In the case of financial
instruments transacted on recognized exchanges, the observable market prices
represent quotations for completed transactions from the exchange on which the
financial instrument is principally traded.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A substantial percentage of the fair value of our trading
securities and other investments owned, trading securities pledged as
collateral, and trading securities sold, but not yet purchased, are based on
observable market prices, observable market parameters, or derived from broker
or dealer prices. The availability of observable market prices and pricing
parameters can vary from product to product. Where available, observable market
prices and pricing or market parameters in a product may be used to derive a
price without requiring significant judgment. In certain markets, observable
market prices or market parameters are not available for all products, and fair
value is determined using techniques appropriate for each particular product.
These techniques involve some degree of judgment. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>For investments in illiquid or privately held
securities that do not have readily determinable fair values, the determination
of fair value requires us to estimate the value of the securities using the
best information available. Among the factors we consider in determining the fair value
of investments are the cost of the investment, terms and liquidity,
developments since the acquisition of the investment, the sales price of
recently issued securities, the financial condition and operating results of
the issuer, earnings trends and consistency of operating cash flows, the
long-term business potential of the issuer, the quoted market price of
securities with similar quality and yield that are publicly traded, and other
factors generally pertinent to the valuation of investments. In instances where a security is subject to transfer
restrictions, the value of the security is based primarily on the quoted price
of a similar security without restriction but may be reduced by an amount
estimated to reflect such restrictions. The fair value of these investments is subject
to a high degree of volatility and may be susceptible to significant
fluctuation in the near term and the differences could be material.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We utilize an outside
valuation firm to assist in the valuation of our asset-backed securities held
in our available-for-sale portfolio. The outside valuation firm utilizes
comprehensive models to price the securities in a way that is consistent with
the values that the market has for other debt securities on a relative or
spread connected basis. The models may include the following methodologies, as
appropriate, for each individual security: determine market value of each asset
in portfolio; calculate default rates for each asset individually, create
correlation structure for portfolio, simulate portfolio future (Monte-Carlo)
numerous times; run samples through waterfall; diagram net present value of
cash flows to tranches in different scenarios; and determine the value of the tranches.
We validate the inputs and other information utilized, where possible, in
valuations provided by the outside valuation firm. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Available-for-Sale and Held-to-Maturity Securities</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Available-for-sale securities are securities for which
the Company has no immediate plan to sell but which may be sold in the future
and are held by Stifel Bank. Securities are classified as available-for-sale
when, in management's judgment, they may be sold in response to, or in
anticipation of, changes in market conditions. Securities classified as
available-for-sale are reported at fair value, as discussed above.</p>

<p class=Notes style='margin-top:6.0pt'>Held-to-maturity
securities are investments in asset-backed securities, consisting of
collateralized debt obligation securities, that Stifel Bank has the positive
intent and ability to hold until maturity. Held-to-maturity securities are
recorded at amortized cost. </p>

<p class=MsoFooter align=center style='text-align:center'>78</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Unrealized gains and losses related to
available-for-sale securities are reported as other comprehensive income until
realized, net of deferred taxes. Amortization of premiums and accretion of
discounts are recorded as interest income using the interest method. Net realized
gains and losses are determined on the basis of specific identification and recorded
in &quot;Other revenues&quot; on the consolidated statements of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Changes in the fair value of an available-for-sale are
recognized in other comprehensive income on the Company's consolidated statements
of financial condition unless the change in value is considered to be an
other-than-temporary impairment. The change in the fair value of an
available-for-sale or held-to-maturity investment that loses value is evaluated
to determine whether the impairment is either temporary or
other-than-temporary. A temporary impairment for an available-for-sale
investment is recorded as a charge to other comprehensive income on the
Company's consolidated statements of financial condition and an
other-than-temporary impairment for both an available-for-sale or
held-to-maturity investment is recorded as a charge to &quot;Other revenues&quot; in the
Company's consolidated statements of operations. Factors the Company considers
in determining whether an impairment is other-than-temporary are the length of
time and extent of the impairment, the credit rating of the securities and the
issuer, whether the issuer continues to make the contractual cash payments,
whether the Company believes the issuer will be able to continue to make the
contractual payments until the value recovers or the securities mature and the
Company's ability and intent to hold the investment until its value recovers or
the securities mature. The Company may determine that the decline in fair value
of an investment is other-than-temporary if its analysis of these factors
indicates that the Company does not believe it will recover its investment in
the securities.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Mortgages Held for Sale</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Residential mortgages
that are originated and held for sale are recorded at the lower of cost or
market. Declines in market value below cost and any gains or losses on the sale
of these assets are recognized in &quot;Other revenues&quot; on the consolidated statements
of operations. Market value is determined based on prevailing market prices for
loans with similar characteristics or on sale contract prices. Deferred fees
and costs related to these loans are not amortized but are recognized as part
of the cost basis of the loan at the time it is sold.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Bank Loans and Allowance
for Loan Losses</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Bank loans consist of
commercial and residential mortgage loans, home equity loans, stock secured
loans, construction loans and non-real-estate commercial and consumer loans
originated by Stifel Bank. Bank loans that management has the intent and
ability to hold are recorded at outstanding principal adjusted for any charge-offs,
allowance for loan losses, and deferred origination fees and costs. Loan
origination costs, net of fees, are deferred and recognized over the
contractual life of the loan as an adjustment of yield using the interest
method. Bank loans are generally collateralized by real estate, real property,
marketable securities, or other assets of the borrower. Interest income is
recognized in the period using the effective interest rate method, which is
based upon the respective interest rates and the average daily asset balance.
Stifel Bank does not maintain any mortgage servicing rights on mortgages that
are sold. Stifel Bank's loan portfolio does not have any investments in
sub-prime mortgages.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company regularly
reviews the loan portfolio and has established an allowance for loan losses in
accordance with SFAS No. 5, (&quot;SFAS 5&quot;) &quot;Accounting for Contingencies.&quot; The
allowance for loan losses is established as losses are estimated to have
occurred through a provision for loan losses charged to income. In providing
for the allowance for loan losses, management considers historical loss
experience, the nature and volume of the loan portfolio, adverse situations
that may affect the borrower's ability to repay, estimated value of any
underlying collateral and prevailing economic conditions. This evaluation is
inherently subjective as it requires estimates that are susceptible to
significant revision as more information becomes available. Large groups of
smaller balance homogenous loans are collectively evaluated for impairment.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, impairment
is measured on a loan-by-loan basis for commercial and construction loans and a
specific allowance is established for individual loans determined to be
impaired in accordance with SFAS No. 114, &quot;Accounting by Creditors for
Impairment of a Loan.&quot; Impairment is measured using the present value of the
impaired loan's expected cash flow discounted at the loan's effective interest
rate, the loan's observable market price, or the fair value of the collateral
if the loan is collateral dependent. </p>

<p class=MsoFooter align=center style='text-align:center'>79</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A loan is considered
impaired when, based on current information and events, it is probable that the
scheduled payments of principal or interest when due according to the
contractual terms of the loan agreement will not be collectible. Factors
considered in determining impairment include payment status, collateral value
and the probability of collecting scheduled principal and interest payments when
due. Loans that experience insignificant payment delays and payment shortfalls
generally are not classified as impaired. The Company determines the
significance of payment delays and payment shortfalls on a case-by-case basis,
taking into consideration all of the circumstances surrounding the loan and the
borrower, including the length of the delay, the reasons for the delay, the
borrower's prior payment record and the amount of the shortfall in relation to
the principal and interest owed. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Once a loan is
determined to be impaired, usually when principal or interest becomes 90 days
past due or when collection becomes uncertain, the accrual of interest and
amortization of deferred loan origination fees is discontinued (&quot;non-accrual
status&quot;), and any accrued and unpaid interest income is written off. Loans
placed on non-accrual status are returned to accrual status when all delinquent
principal and interest payments are collected and the collectibility of future
principal and interest payments is reasonably assured. Loan losses are charged
against the allowance when management believes the uncollectibility of a loan
balance is confirmed. Subsequent recoveries, if any, are credited to the
allowance.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Bank Foreclosed Assets
Held for Sale</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Assets acquired through,
or in lieu of, loan foreclosure by Stifel Bank are held for sale and initially
recorded at fair value, less estimated cost to sell, at the date of
foreclosure, establishing a new cost basis. Subsequent to foreclosure,
valuations are periodically performed and the assets are carried at the lower
of carrying amount or fair value less cost to sell. Revenue and expense from
operations and changes in the valuation allowance are included in &quot;Other income&quot;
or &quot;Other operating expense&quot; in the consolidated statements of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Investments</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Investments on the consolidated
statements of financial condition contain investments in securities that are
marketable and securities that are not readily marketable. These investments
are not included in the Company's broker-dealer trading inventory or Stifel
Bank's available-for-sale or held-to-maturity portfolio and represent the
acquiring and disposing of debt or equity instruments for its benefit.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company's broker-dealer
subsidiaries report changes in fair value of marketable and non-marketable
securities through current period earnings based on guidance provided by the
AICPA Audit and Accounting Guide, &quot;Brokers and Dealers in Securities.&quot; The fair
value of these investments is based on either quoted market or dealer prices.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company's non
broker-dealer subsidiaries account for investments in marketable and
non-marketable securities pursuant to SFAS 115, &quot;Accounting for Certain
Investments in Debt and Equity Securities.&quot; The Company determines the
appropriate classification of investments at the time of purchase and
reevaluates such designation at each balance sheet date.</p>

<p class=MsoFooter align=center style='text-align:center'>80</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table
presents investments held by the Company's broker-dealer and non broker-dealer
subsidiaries at December 31, 2008 and 2007:</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:5.4pt;border-collapse:collapse'>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'><b><i>(in
  thousands)</i></b></p>
  </td>
  <td width=132 valign=top style='width:98.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>2008</b></p>
  </td>
  <td width=135 valign=top style='width:101.15pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='margin-right:.05in;text-align:center;
  text-indent:0in'><b>2007</b></p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Broker-dealer:</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=135 valign=top style='width:101.15pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:.15in'>Mutual
  funds (Note 19)</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,082</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='margin-left:20.0pt;text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,760</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:.15in'>U.S. government
  obligations</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,123</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,669</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:.15in'>Non-marketable investments</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,761</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,889</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:.15in'>Other</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,103</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,327</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=132 valign=top style='width:98.85pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,069</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45,645</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Non
  broker-dealer:</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=135 valign=top style='width:101.15pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:12.6pt'>Investments
  at accreted cost (Note 21)</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,338</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='margin-left:20.0pt;text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,772</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:12.6pt'>Non-marketable
  investments</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,816</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,212</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:12.6pt'>Other</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 675</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,853</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td width=132 valign=top style='width:98.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38,289</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,837</p>
  </td>
 </tr>
 <tr>
  <td width=357 valign=top style='width:268.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Total
  investments</p>
  </td>
  <td width=132 valign=top style='width:98.85pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 74,898</p>
  </td>
  <td width=135 valign=top style='width:101.15pt;border:none;border-bottom:
  double windowtext 1.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='margin-left:20.0pt;text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 72,482</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Mutual funds are purchased to economically hedge the
Company's liability for deferred compensation plans. See Note 19 for details on
the Company's deferred compensation plans. Non-marketable investments for both the
Company's broker-dealer and non broker-dealer subsidiaries consist of
investments in equity and fixed income securities of private companies, limited
liability company interests and limited partnership interests. See Note 27 for
details of the Company's investment in a convertible promissory note issued by
FSI Group LLC (&quot;FSI&quot;), which is recorded as a non-marketable investment held by
the Company. Investments at accreted cost and held to maturity consist of U.S.
Government securities used to fund the Company's venture capital activities in
qualified Missouri businesses. See Note 21 for details on the Company's venture
capital activities. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Office Equipment and
Leasehold Improvements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Office equipment and
leasehold improvements are stated at cost less accumulated depreciation and
amortization. Depreciation of office equipment is provided using the accelerated
method over the estimated useful lives of two to seven years. Leasehold
improvements are amortized using the straight-line method over the shorter of
the lease term or the estimated useful lives of the assets.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additions, improvements
and expenditures for repairs and maintenance that significantly extend the
useful life of an asset are capitalized. Other expenditures for repairs and
maintenance are charged to operations in the period incurred. Gains and losses
on disposals of property and equipment are reflected in income in the period
realized.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Goodwill and Intangible Assets</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Goodwill represents the
cost of acquired businesses in excess of the fair value of the related net
assets acquired. The Company does not amortize goodwill. In accordance with
SFAS No. 142 (&quot;SFAS 142&quot;), &quot;Goodwill and Other Intangible Assets,&quot; goodwill is
tested for impairment at least annually or whenever indications of impairment
exist. In testing for the potential impairment of goodwill, management
estimates the fair value of each of the Company's reporting units (generally
defined as the Company's businesses for which financial information is
available and reviewed regularly by management), and compares it to their
carrying value. If the estimated fair value of a reporting unit is less than
its carrying value, management is required to estimate the fair value of all
assets and liabilities of the reporting unit, including goodwill. If the
carrying value of the reporting unit's goodwill is greater than the estimated
fair value, an impairment charge is recognized for the excess. The Company has
elected July 31 as its annual impairment testing date. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Identifiable intangible
assets, which are amortized over their estimated useful lives, are tested for
potential impairment whenever events or changes in circumstances suggest that
the carrying value of an asset or asset group may not be fully recoverable in
accordance with SFAS 144, &quot;Accounting for the Impairment or Disposal of
Long-Lived Assets.&quot;</p>

<p class=MsoFooter align=center style='text-align:center'>81</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Loans and Advances</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company offers
transition pay, principally in the form of upfront loans, to financial advisors
and certain key revenue producers as part of the Company's overall growth
strategy. These loans are generally forgiven by a charge to &quot;Employee
compensation and benefits&quot; over a five- to ten-year period if the
individual satisfies certain conditions, usually based on continued employment
and certain performance standards. Management monitors and compares individual
financial advisor production to each loan issued to ensure future
recoverability. If the individual leaves before the term of the loan expires or
fails to meet certain performance standards, the individual is required to
repay the balance. In determining the allowance for doubtful receivables from
former employees, management considers the facts and circumstances surrounding
each receivable, including the amount of the unforgiven balance, the reasons
for the terminated employment relationship, and the former employees' overall
financial positions. The loan balance from former employees at December 31,
2008 and 2007 was $2,483 and $2,516, respectively, with associated loss
allowances of $1,186 and $737, respectively. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Federal Home Loan Bank Stocks</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Federal Home Loan Bank
stock of $616 and $206 at December 31, 2008 and 2007, respectively, included in
&quot;Other assets,&quot; is a required investment for institutions that are members of
the Federal Home Loan Bank system and is recorded at cost. The required
investment in the common stock is based on a predetermined formula. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Bank Deposits</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The fair value of demand
deposit accounts, interest bearing savings accounts with no stated maturity,
and certain money market deposits is equal to the amount payable on demand
(carrying value). The fair value of fixed maturity time deposits, such as
certificate of deposits, approximates carrying value at December 31, 2008 and
2007. The carrying amount of interest payable approximates its fair value. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Federal Home Loan Bank Advances and Other
Secured Financing</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Advances from the
Federal Home Loan Bank and federal funds purchased are recorded at outstanding
principal plus accrued interest, which approximates fair value. The advances
are secured by an assignment of certain loans held by Stifel Bank, as well as
certain bank owned securities, and the federal funds purchased are secured by
certain bank owned securities.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Legal Loss Allowances</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company records loss
allowances related to legal proceedings resulting from lawsuits and
arbitrations, which arise from its business activities. Some of these lawsuits
and arbitrations claim substantial amounts, including punitive damage claims.
Management has determined that it is likely that the ultimate resolution of
certain of these claims will result in losses to the Company. The Company has,
after consultation with outside legal counsel and consideration of facts currently
known by management, recorded estimated losses to the extent they believe
certain claims are probable of loss and the amount of the loss can be
reasonably estimated.
This determination
is inherently subjective, as it requires estimates that are subject to
potentially significant revision as more information become available and due to
subsequent events. Factors considered by management in estimating the
Company's liability are the loss and damages sought by the claimant/plaintiff,
the merits of the claim, the amount of loss in the client's account, the
possibility of wrongdoing on the part of the employee of the Company, the total
cost of defending the litigation, the likelihood of a successful defense
against the claim, and the potential for fines and penalties from regulatory
agencies. Results of litigation and arbitration are inherently uncertain, and
management's assessment of risk associated therewith is subject to change as
the proceedings evolve. After discussion with counsel, management, based on its
understanding of the facts, accrues what they consider appropriate to provide
loss allowances for certain claims, which is included in the consolidated statements
of financial condition under the caption &quot;Accounts payable and accrued
expenses.&quot;</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Common Stock Warrants</i></b></p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>From February 28, 2007,
the date the Company acquired Ryan Beck Holdings, Inc. and its wholly-owned
broker-dealer subsidiary Ryan Beck &amp; Company, Inc. (&quot;Ryan Beck&quot;), until
June 22, 2007, the date shareholder approval was obtained to issue 750,000
warrants as part of the purchase consideration, the Company accounted for the
stock warrants to be issued as a liability in accordance with the guidance
provided by EITF Issue No. 00-19, &quot;Accounting
for Derivative Financial Instruments Indexed to, and Potentially Settled in, a
Company's Own Stock,&quot; which requires equity-related financial instruments
within its scope to be classified as assets or liabilities if (1) they require
or may require net-cash settlement (including a requirement to net-cash settle
if an event occurs that is outside the control of the issuer), or (2) they give
the counterparty a choice of net-cash settlement or settlement in shares
(physical or net-share settlement). </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>If the Company had not
obtained shareholder approval by June 30, 2007, the Company would have been
required to pay $20,000 in cash in lieu of warrants. Accordingly, the
warrants were determined to be a liability recorded at fair value of $16,440 as
of the date of closing. Changes in the fair value from February 28 to June 22,
2007 of $455 are included in &quot;Other operating expenses&quot; in the Company's consolidated statements
of operations. Upon obtaining shareholder approval, the fair value of the
warrants at that date of $16,895 was reclassified to stockholders' equity and
is no longer required to be adjusted to fair value each reporting period. At
December 31, 2008 and 2007, there were 747,419 and 748,704 warrants
outstanding, respectively, to purchase shares of Company common stock at an
exercise price of $24.00. See Note 3 for further information regarding the
issuance of warrants in conjunction with the acquisition of Ryan Beck.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Revenue Recognition</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Customer security
transactions are recorded on a settlement date basis, with related commission
revenues and expenses recorded on a trade date basis. Commission revenues are
recorded at the amount charged to the customer, which, in certain cases, may
include varying discounts. Principal securities transactions are recorded on a
trade date basis. The Company distributes its proprietary equity research
products to its client base of institutional investors at no charge. These
proprietary equity research products are accounted for as a cost of doing
business. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Investment banking
revenues include advisory fees, management fees, underwriting fees, net of
reimbursable expenses, and sales credits earned in connection with the
distribution of the underwritten securities. Investment banking management fees
are recorded on the offering date, sales credits on the trade date, and
underwriting fees at the time the underwriting is completed and the income is
determinable. Revenues derived from contractual arrangements, typically
advisory fees, are recorded when payments are earned and contractually due.
Expenses associated with investment banking transactions are deferred until the
related revenue is recognized or the engagement is otherwise concluded. For the
periods presented, there were no significant expenses recognized for incomplete
transactions. The Company has not recognized any incentive income that is
subject to contingent repayments.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Asset management and
service fees are recorded based on the month-end assets in the accounts when
earned and consist of customer account service fees, per account fees (such as
IRA fees), and wrap fees on managed accounts.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Stock-Based Compensation</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On January 1, 2006, the
Company adopted the provisions of SFAS No. 123 (revised 2004) (&quot;SFAS 123R&quot;), &quot;Share-Based
Payment,&quot; using the modified prospective application method, which requires the
measurement and recognition of compensation expense for all share-based payment
awards made to employees and directors based on estimated fair values. Under
this method, SFAS 123R applies to new awards and to awards outstanding on the
effective date as well as those that are subsequently modified or cancelled.
Compensation expense for outstanding awards for which the requisite service had
not been rendered as of the effective date will be recognized over the remaining
service period using the compensation cost calculated for pro forma disclosure
purposes under SFAS No. 123, &quot;Accounting for Stock-Based Compensation.&quot;
Accordingly, prior period amounts have not been restated to reflect the impact
of SFAS 123R. Additionally, SFAS 123R amends SFAS No. 95, &quot;Statement of Cash
Flows,&quot; to require the excess tax benefits to be reported as a financing cash
inflow rather than a reduction of taxes paid, which is included within
operating cash flows. See Note 19 for a further discussion of stock-based
compensation.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Derivative Financial
Instruments</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company accounts for
derivative financial instruments and hedging activities in accordance with SFAS
No. 133 (&quot;SFAS 133&quot;), Accounting for Derivative Instruments and Hedging Activities,&quot;
as subsequently amended by SFAS No. 137, &quot;Accounting for Derivative Instruments
and Hedging Activities - Deferral of the Effective Date of FASB Statements No.
133,&quot; SFAS No. 138, &quot;Accounting for Certain Derivative Instruments and Certain
Hedging Activities,&quot; and SFAS No. 149, &quot;Amendments of Statement 133 on
Derivative Instruments and Hedging Activities,&quot; which establishes accounting
and reporting standards for stand-alone derivative instruments, derivatives
embedded within other contracts or securities, and hedging activities. The
Company principally utilizes interest rate swaps, on occasion, to economically hedge
the fair value of securities in its Fixed Income Capital Markets business;
however, these derivatives do not qualify for, nor receive, SFAS 133 hedge
accounting treatment. Accordingly, all derivatives are carried in the Company's
consolidated statements of financial condition at fair value with any realized
and unrealized gains or losses recorded in the consolidated statements of
operations for that period. Any
collateral exchanged as part of the swap agreement is recorded in broker
receivables and payables in the consolidated statements of financial condition
for the period.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company elects to
net-by-counterparty the fair value of interest rate swap contracts as provided
for under FASB Interpretation No. 39, &quot;Offsetting of Amounts Related to Certain
Contracts,&quot; as amended by FASB Interpretation No. 39-1, &quot;Amendment of FASB
Interpretation No. 39,&quot; as long as the contracts contain a legally enforceable
master netting arrangement. The fair value of those swap contracts are netted
by counterparty in the Company's consolidated statements of financial condition.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company did not have
any open derivative positions at December 31, 2008 or 2007. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Leases</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The Company leases
office space and equipment under operating leases. The Company recognizes rent
expense related to these operating leases on a straight-line basis over the
lease term. The lease term commences on the earlier of the date when the Company
becomes legally obligated for the rent payments or the date on which the
Company takes possession of the property. For tenant improvement allowances and
rent holidays, the Company records a deferred rent liability in &quot;Accounts
payable and accrued expenses&quot; in the consolidated statements of financial
condition and amortizes the deferred rent over the lease term as a reduction to
rent expense in the consolidated statements of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Income Taxes</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company utilizes the
asset and liability approach defined in SFAS No. 109 (&quot;SFAS 109&quot;), &quot;Accounting
for Income Taxes,&quot; as interpreted by FIN 48.<i> </i>The provision for income
taxes and related tax accruals are based on management's consideration of known
liabilities and tax contingencies for multiple taxing authorities. Known
liabilities are amounts that will appear on current tax returns, amounts that
have been agreed to in revenue agent revisions as the result of examinations by
the taxing authorities, and amounts that will follow from such examinations but
affect years other than those being examined. Tax contingencies are liabilities
that might arise from a successful challenge by the taxing authorities taking a
contrary position or interpretation regarding the application of tax law to the
Company's tax return filings. Factors considered by management in estimating
the Company's liability are results of tax audits, historical experience, and
consultation with tax attorneys and other experts. Deferred income taxes are
recognized for the future tax consequences attributable to differences between
the financial reporting and income tax bases of assets and liabilities.
Valuation allowances are established when necessary to reduce deferred taxes to
amounts expected to be realized.
</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>FASB Interpretation No.
48 (&quot;FIN 48&quot;) &quot;Accounting for Uncertainty in Income Taxes-An interpretation of
FAS Statement No. 109&quot;, clarifies the accounting for uncertainty in income
taxes recognized in an entity's financial statements in accordance with SFAS
109 and prescribed recognition threshold and measurement attributes for
financial statement disclosure of tax positions taken or expected to be taken
on a tax return. Under FIN 48, the impact of an uncertain income tax position
on the income tax return must be recognized at the largest amount that is
more-likely-than-not to be sustained upon audit by the relevant taxing
authority. An uncertain income tax position will not be recognized if it has
less than a 50% likelihood of being sustained. See Note 22 of for a further
discussion on income taxes.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Earnings per share
(&quot;EPS&quot;)</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Basic EPS is computed by
dividing earnings available to common shareholders by the weighted-average
number of common shares outstanding. Diluted EPS reflects the potential
dilution that could occur if securities or other contracts to issue common
stock were exercised or converted into common stock or resulted in the issuance
of common stock that then shared in the earnings of the entity. Diluted
earnings per share include dilutive stock options and stock units under the treasury
stock method.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Comprehensive Income</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>SFAS No. 130, (&quot;SFAS
130&quot;) &quot;Reporting Comprehensive Income,&quot; establishes standards for reporting and
display of comprehensive income and its components (revenue, gains and losses)
in a full set of general purpose financial statements. SFAS 130 requires that
all components of comprehensive income, including net income, be reported in a
financial statement that is displayed with the same prominence as other
financial statements. Comprehensive income is defined as the change in equity
during a period from transactions and other events and circumstances from
non-owner sources. Net income and other comprehensive income, including
unrealized gains and losses on investments, shall be reported, net of their
related tax effect, to arrive at comprehensive income. </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:.7pt;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.25in'>The components of
accumulated other comprehensive income, net of related tax, at December 31,
2008 and 2007 consist of unrealized holding losses on available-for-sale
securities. During the twelve months ended December 31, 2008, the Company
recorded an other-than-temporary impairment charge, which resulted in a
reclassification of unrealized losses out of accumulated other comprehensive
income into earnings. For the twelve months ending December 31, 2007 there were
no significant reclassifications of gains (losses) out of accumulated other
comprehensive income into earnings.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Reclassifications</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Certain amounts from
prior years have been reclassified to conform to the current year presentation.
The effect of these reclassifications on the Company's previously reported
consolidated financial statements was not material.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Note 2 - Recent Accounting Pronouncements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In December 2008, the
FASB issued FASB Staff Position (&quot;FSP&quot;) No. 140-4 and FIN 46R-8 (&quot;FSP 140-4 and
FIN 46R-8&quot;), &quot;Disclosures by Public Entities (Enterprises) about Transfers of
Financial Assets and Interests in Variable Interest Entities.&quot; FSP 140-4 and
FIN 46R-8 require additional disclosures about transfers of financial assets
and involvement with variable interest entities. The requirements apply to
transferors, sponsors, servicers, primary beneficiaries and holders of
significant variable interests in a variable interest entity or qualifying
special purpose entity. Disclosures required by FSP 140-4 and FIN 46R-8 are
effective for the Company on December 31, 2008. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In November 2008, the
Emerging Issues Task Force reached a consensus on Issue No. 08-7 (&quot;EITF 08-7&quot;),
&quot;Accounting for Defensive Intangible Assets,&quot; which requires that a defensive
intangible asset be accounted for as a separate unit of accounting and should
not be included as part of the cost of the acquirer's existing intangible
assets. In addition, EITF 08-7 requires that a defensive intangible asset be
assigned a useful life that reflects the entity's consumption of the expected
benefits related to the asset. EITF 08-7 is to be applied to all business
combinations for which the acquisition date is on or after the beginning of the
first annual reporting period beginning on or after December 15, 2008. Since
this guidance will be applied prospectively, on adoption, there will be no
impact to the Company's consolidated financial statements.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In September 2008, the
FASB issued FSP No. 133-1 and FIN 45-4 (&quot;FSP FAS 133-1 and FIN 45-4&quot;),
&quot;Disclosures about Credit Derivatives and Certain Guarantees: An Amendment of
FASB Statement No. 133 and FASB Interpretation No. 45; and Clarification of the
Effective Date of FASB Statement No. 161.&quot;&nbsp; FSP FAS 133-1 and FIN 45-4 amends
FASB Statement No. 133 (&quot;SFAS 133&quot;), &quot;Accounting for Derivative Instruments and
Hedging Activities,&quot; to require disclosures by sellers of credit derivatives,
including credit derivatives embedded in hybrid instruments.&nbsp; FSP FAS 133-1 and
FIN 45-4 also amend FASB Interpretation No. 45 (&quot;FIN 45&quot;), &quot;Guarantor's
Accounting and Disclosure Requirements for Guarantees, Including Indirect
Guarantees of Indebtedness to Others,&quot; to require additional disclosure about
the current status of the payment/performance risk of a guarantee.&nbsp; The
provisions of the FSP that amend SFAS 133 and FIN 45 are effective for
reporting periods ending after November 15, 2008. FSP FAS 133-1 and FIN 45-4
also clarifies the effective date in FASB Statement No. 161 (&quot;SFAS 161&quot;),
&quot;Disclosures about Derivative Instruments and Hedging Activities.&quot; Disclosures
required by SFAS 161 are effective for the Company in the first quarter of
fiscal 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In June 2008, the FASB
issued FSP EITF No. 03-6-1 (&quot;FSP EITF 03-06-1&quot;), &quot;Determining Whether
Instruments Granted in Share-Based Payment Transactions Are Participating
Securities,&quot; which addresses whether instruments granted in share-based payment
transactions are participating securities prior to vesting and, therefore, need
to be included in the earnings allocation in computing earnings per share under
the two-class method described in SFAS No. 128, &quot;Earnings per Share.&quot; FSP EITF
03-6-1 specifies that unvested share-based payment awards that contain
nonforfeitable rights to dividends or dividend equivalents (whether paid or
unpaid) are participating securities and shall be included in the computation
of earnings per share pursuant to the two-class method. FSP EITF 03-6-1 is
effective for fiscal years beginning after December 15, 2008, and interim
periods within those years. Early application is not permitted. The adoption is
not expected to impact the Company's consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In April 2008, the FASB
issued FSP No. 142-3 (&quot;FSP 142-3&quot;), &quot;Determination of the Useful Life of
Intangible Assets.&quot;&nbsp; FSP 142-3 amends the factors an entity should consider in
developing renewal or extension assumptions used in determining the useful life
of recognized intangible assets under FASB Statement No. 142, &quot;Goodwill and
Other Intangible Assets.&quot;&nbsp; This new guidance applies prospectively to
intangible assets that are acquired individually or with a group of other
assets in business combinations and asset acquisitions. FSP 142-3 is effective
for financial statements issued for fiscal years and interim periods beginning
after December 15, 2008.&nbsp; Early adoption is prohibited. Since this guidance
will be applied prospectively, on adoption, there will be no impact to the
Company's consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In March 2008, the FASB
issued SFAS 161 (&quot;SFAS 161&quot;), &quot;Disclosures about Derivative Instruments and
Hedging Activities - an amendment of FASB Statement No. 133,&quot; which requires
companies with derivative instruments to disclose information that should
enable financial statement users to understand how and why a company uses
derivative instruments, how derivative instruments and related hedged items are
accounted for under SFAS 133 and how derivative instruments and related hedged
items affect a company's financial position, financial performance and cash
flows. SFAS 161 is effective for the Company in the first quarter of fiscal
2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In September 2006, the
FASB issued FASB Statement No. 157 (&quot;SFAS 157&quot;), &quot;Fair Value Measurements,&quot;
which defines fair value, establishes guidelines for measuring fair value and
expands disclosures regarding fair value measurements. SFAS 157 does not
require any new fair value measurements but rather eliminates inconsistencies
in guidance found in various prior accounting pronouncements and is effective
for fiscal years beginning after November 15, 2007. In February 2008, the FASB
issued FASB FSP 157-2 which delays the effective date of SFAS 157 for all
nonfinancial assets and nonfinancial liabilities, except those that are
recognized or disclosed at fair value in the financial statements on a
recurring basis (at least annually), until fiscal years beginning after
November 15, 2008 and interim periods within those fiscal years. These
nonfinancial items include assets and liabilities such as reporting units
measured at fair value in a goodwill impairment test and nonfinancial assets
acquired and liabilities assumed in a business combination. Effective January
1, 2008, the Company adopted SFAS 157 for financial assets and liabilities
recognized at fair value on a recurring basis. The partial adoption of SFAS 157
for financial assets and liabilities did not have a material impact on the
Company's consolidated financial statements. Effective January 1, 2009, the
Company adopted SFAS 157 for all nonfinancial assets and nonfinancial
liabilities. The adoption of SFAS 157 for nonfinancial assets and liabilities
will be applied prospectively, and there is not expected to be a material impact on
the Company's consolidated financial statements. </p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In October 2008, the
FASB issued FSP 157-3 (&quot;FSP 157-3&quot;), &quot;Determining the Fair Value of a Financial
Asset When the Market for That Asset Is Not Active.&quot; FSP 157-3 clarifies the
application of SFAS No. 157 in a market that is not active and addresses
application issues such as the use of internal assumptions when relevant
observable data does not exist, the use of observable market information when
the market is not active and the use of market quotes when assessing the
relevance of observable and unobservable data. FSP 157-3 is effective for all
periods presented in accordance with SFAS No. 157. The guidance in FSP 157-3 is
effective immediately and did not have an impact on the Company upon adoption. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Effective January 1, 2008, the Company adopted SFAS
No. 159 (&quot;SFAS 159&quot;), &quot;Fair Value Option for Financial Assets and
Financial Liabilities.&quot; Under SFAS 159, entities may choose to measure at
fair value many financial instruments and certain other items that are not
currently required to be measured at fair value. SFAS 159 also establishes
recognition, presentation, and disclosure requirements designed to facilitate
comparisons between entities that choose different measurement attributes for
similar types of assets and liabilities. SFAS 159 does not affect any existing
accounting literature that requires certain assets and liabilities to be
carried at fair value. Although the Company has adopted this standard, it has not
yet elected the fair value option for any assets or liabilities that currently
are not required to be recorded at fair value. Therefore, the adoption of this
standard has not had any impact on the Company's consolidated financial
statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>In December 2007, the
FASB issued SFAS No. 141 (revised 2007) (&quot;SFAS 141R&quot;), &quot;Business Combinations&quot;
and SFAS No. 160 (&quot;SFAS 160&quot;), &quot;Noncontrolling Interests in Consolidated
Financial Statements - an&nbsp; amendment of Accounting Research Bulletin No. 51.&quot;
SFAS 141R will change how business acquisitions are accounted for and will
impact financial statements both on the acquisition date and in subsequent
periods.&nbsp; SFAS 160 will change the accounting and reporting for minority
interests, which will be recharacterized as noncontrolling interests and
classified as a component of equity.&nbsp; SFAS 141R and SFAS 160 are effective for
the Company beginning in the first quarter of fiscal 2009. Early adoption is
not permitted. Since this guidance will be applied prospectively, on adoption,
there is not expect to be an impact to the Company's consolidated financial
statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>NOTE 3 - </i></b><b><i>Acquisitions</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-autospace:
none'><i>2008
Acquisition</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>On
December 31, 2008, the Company closed on the acquisition of Butler Wick, a
privately-held broker-dealer that provides financial advice to individuals,
municipalities, and corporate clients. The Company acquired 100% of the voting
interests of Butler Wick from United Community Financial Corp. This acquisition
extends the Company's geographic reach in the Ohio Valley region. The purchase
price of $12,000 was funded from cash generated from operations. Under the
purchase method of accounting, the assets and liabilities of Butler Wick are
recorded as of the acquisition date, at their respective fair values and
consolidated in the Company's financial statements. The excess purchase price
over the estimated fair value of the tangible net assets purchased was $3,560.
The allocation of the purchase price is based upon preliminary estimates,
subject to revision after the valuation and integration planning has been
finalized. Revisions to the allocation will be reported as changes to various
assets and liabilities, including goodwill and other intangible assets. Butler
Wick reported net revenues of $28,892 for the year ended December 31, 2008. Pro
forma information is not presented because the acquisition is not considered to
be material. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-autospace:
none'><i>2007
Acquisitions</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On February 28, 2007,
the Company closed on the acquisition of Ryan Beck from BankAtlantic Bancorp,
Inc. Ryan Beck's results of operations have been included in the Company's consolidated
statements of operations prospectively beginning on the date of acquisition. The
acquisition was made because the combination of Stifel Nicolaus and Ryan Beck
represented a good strategic fit between two well established regional
broker-dealers that share similar business models and cultures. This
acquisition extends the Company's geographic reach in the East and Southeast
regions and leverages the capabilities of the Company's capital markets
business, strong research platforms, and technology and operations
infrastructure.</p>

<p class=MsoFooter align=center style='text-align:center'>87</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Under the terms of the
agreement, the Company paid initial consideration of $2,653 in cash and issued
3,701,400 shares of Company common stock valued at $27.70 per share which was
the five day average closing price of Company common stock for the two days
prior to, the day of, and two days subsequent to January 9, 2007, the date the
negotiations regarding the principal financial terms were substantially
completed, for a total initial consideration of $105,182. The cash portion of
the purchase price was funded from cash generated from operations. In addition,
the Company issued, upon obtaining shareholder approval, five-year immediately
exercisable warrants to purchase up to 750,000 shares of Company common stock
at an exercise price of $24.00 per share. Shareholders approved the issuance of
the warrants on June 22, 2007. The estimated fair values of the warrants on
date of closing and issuance were $16,440 and $16,895, respectively. See
further discussion regarding the accounting for the warrants in Note 1.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, a
contingent earn-out payment is payable based on defined revenues attributable
to specified individuals in Ryan Beck's existing private client division over
the two-year period following closing. This earn-out is capped at $40,000. A
second contingent payment is payable based on defined revenues attributable to
specified individuals in Ryan Beck's existing investment banking division. The
investment banking earn-out is equal to 25% of the amount of investment banking
fees, as defined, over $25,000 for each successive year in the two year period
following closing. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Each of the contingent
earn-out payments is payable, at the Company's election, in cash or common
stock. Any contingent payments will be reflected as additional purchase
consideration and reflected in goodwill. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company obtained the
approval of shareholders on June 22, 2007 for the issuance of up to 1,500,000
additional shares of Company common stock for the payment of contingent
earn-out consideration. The Company has estimated a potential private client
contingent earn-out payment of approximately $21,000 based upon actual-to-date
revenue production and current projections. On August 14, 2008, the Company
agreed to prepay $9,585 of BankAtlantic's pro-rata share of that estimated
private client contingent earn-out payment in exchange for a $10,000 permanent
reduction of BankAtlantic's pro-rata share of the private client contingent
payment. The Company elected to make such pre-payment using 233,500 shares of
Company common stock at an agreed upon per share price of $41.05 per share. The
Company recorded $5,469 for the remaining estimated contingent earn-out
recorded at December 31, 2008. The Company paid the contingent payment of
$1,790 related to the first year investment banking earn-out in 57,059 shares
of Company common stock valued at $31.35 per share in the second quarter of
2008, with partial shares paid in cash. Based on current market conditions and
the decrease in investment banking revenues, the Company will not be required
to pay the second year investment banking contingent earn-out.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>In
addition to the transaction consideration described above, the Company i)
established a retention program for certain associates of Ryan Beck valued at
approximately $47,916, consisting of $24,423 employee loans paid in cash and
591,269 Company restricted stock units valued at $23,493 using a share price of
$39.73, the price on the date of shareholder approval; and ii) issued 420,372 restricted
stock units valued at approximately $16,673 using the price on the date of
shareholder approval, in exchange for Ryan Beck appreciation units related to
the Ryan Beck deferred compensation plan. On June 22, 2007 the Company obtained
shareholder approval for the Stifel Financial Corp. 2007 Incentive Stock Plan (for
Ryan Beck Employees) from which the above units were issued. Additionally, as a
result of the amendment to the Ryan Beck deferred compensation plans in June
2007, the Company recorded a $20,568 charge to &quot;Employee compensation and
benefits.&quot; See Note 19 for further details. </p>

<p class=MsoFooter align=center style='text-align:center'>88</p>

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<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in;text-autospace:none'>The following unaudited
pro forma financial data assumes the acquisition of Ryan Beck had occurred at
the beginning of each period presented. The pro forma financial information is
presented for informational purposes only and is not indicative of the results
of operations that would have been achieved if the acquisition had taken place
at the beginning of each of the periods presented. The unaudited pro forma
results do not include any anticipated Ryan Beck future cost savings related to
the elimination of clearing fees and redundant corporate overhead expenses. </p>

<div align="center">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=442 valign=top style='width:4.6in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-autospace:none'><b><i>&nbsp;</i></b></p>
  </td>
  <td width=215 colspan=2 valign=top style='width:161.45pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;text-autospace:none'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=442 valign=top style='width:4.6in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-autospace:none'><b><i><br>
  <br>
  (in thousands, except per share data)</i></b></p>
  </td>
  <td width=105 valign=top style='width:78.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;text-autospace:none'><b><i>December 31, 2007(unaudited)</i></b></p>
  </td>
  <td width=111 valign=top style='width:82.9pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center;text-autospace:none'><b><i>December 31, 2006(unaudited)</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=442 valign=top style='width:4.6in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:22.0pt;text-indent:-22.0pt;text-autospace:
  none'>Total
  revenues</p>
  </td>
  <td width=105 valign=bottom style='width:78.55pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 799,917</p>
  </td>
  <td width=111 valign=bottom style='width:82.9pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 664,273</p>
  </td>
 </tr>
 <tr>
  <td width=442 valign=top style='width:4.6in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:22.0pt;text-indent:-22.0pt;text-autospace:
  none'>Net income
  (loss)</p>
  </td>
  <td width=105 valign=bottom style='width:78.55pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,458</p>
  </td>
  <td width=111 valign=bottom style='width:82.9pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (232)</p>
  </td>
 </tr>
 <tr>
  <td width=442 valign=top style='width:4.6in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:22.0pt;text-indent:-22.0pt;text-autospace:
  none'>Diluted
  earnings (loss) per share</p>
  </td>
  <td width=105 valign=top style='width:78.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='text-autospace:none'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.93</p>
  </td>
  <td width=111 valign=top style='width:82.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='text-autospace:none'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (0.01)</p>
  </td>
 </tr>
 <tr>
  <td width=442 valign=top style='width:4.6in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:22.0pt;text-indent:-22.0pt;text-autospace:
  none'>Diluted
  weighted average shares outstanding <sup>(1)</sup></p>
  </td>
  <td width=105 valign=bottom style='width:78.55pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal style='text-autospace:none'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,573</p>
  </td>
  <td width=111 valign=bottom style='width:82.9pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal style='text-autospace:none'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,230</p>
  </td>
 </tr>
</table>

</div>

<p class=Notes style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in'><sup>(1)</sup> &nbsp;&nbsp;&nbsp; For
2006, basic and diluted shares are the same, as dilutive securities related to
employee benefit plans would be anti-dilutive.</p>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The above unaudited
results for each year include compensation expense related to the amortization of $24,423
employee loans paid in cash and 591,269 restricted stock units valued at
$23,493 in the establishment of the Ryan Beck retention program and
compensation expense related to the exchange for Ryan Beck appreciation units
related to the Ryan Beck deferred compensation plan. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On April 2, 2007, the
Company completed its acquisition of First Service Financial Company (&quot;First
Service&quot;), a Missouri corporation, and its wholly-owned subsidiary First
Service Bank, a Missouri bank, by means of the merger (the &quot;Merger&quot;) of First Service with and into FSFC Acquisition Co.
(&quot;AcquisitionCo&quot;), a Missouri corporation and wholly-owned subsidiary of the
Company, with AcquisitionCo surviving the Merger. The acquisition was completed
to serve the Private Client Group more effectively and to position the Company
for growth by leveraging its large private client network. The total
consideration paid by the Company in the Merger for all of the outstanding
shares of First Service was $37,896 in cash; of this amount, approximately $990
has been deposited into escrow pending satisfaction of certain contingencies
provided for in an escrow agreement among the Company, First Service,
AcquisitionCo, UMB Bank, N.A., as escrow agent, and the shareholders' committee
specified in the escrow agreement. The amount place in escrow was released to
First Service during 2008. The acquisition was funded by the net proceeds to
the Company from the sale of the Junior Subordinated Debentures to Stifel
Financial Capital Trust III (See Note 13). Upon consummation of the Merger, the
Company became a bank holding company and a financial holding company, subject
to the supervision and regulation of The Board of Governors of the Federal
Reserve System. Also, First Service converted its charter from a Missouri bank
to a Missouri trust company and changed its name to Stifel Bank &amp; Trust.
Insignificant adjustments were made to the purchase price allocation during
2008 related to an income tax refund of $103 received during the year. The
goodwill and intangible assets of $18,842 were assigned to a newly created
&quot;Stifel Bank&quot; operating segment. Supplemental pro forma information is not
presented because the acquisition is not considered to be material. The total
amount of goodwill and intangible assets is not deductible for tax purposes. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>2006 Acquisition</i></p>

<p class=MsoFooter align=center style='text-align:center'>89</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On December 5, 2006, the
Company closed on the acquisition of the private client business and purchased
certain assets and assumed certain lease obligations of Miller Johnson Steichen
and Kinnard (&quot;MJSK&quot;), a privately held broker dealer. Under the terms
of the agreement the Company paid $7,780 in cash. In addition, the Company paid
$440 for transfer and legal fees. The acquisition was made to continue to grow
the Company's Private Client business. In addition in January 2007, Stifel Nicolaus issued approximately
$4,133 in upfront notes and $493 in Company restricted stock units to certain
financial advisors. The
summary of the fair values of the net assets acquired as of December 5, 2006,
is as follows: customer list of $2,296, goodwill of $4,846, non-compete
agreements of $734, and fixed assets of $344. The customer list is amortized
over a ten-year period and the non-compete agreements are amortized over a
five-year period. The goodwill is deductible for tax purposes. Supplemental pro forma
information is not presented because the acquisition is not considered to be
material. The results of operations of MJSK are included in the Company's consolidated
statements of operations from the date of acquisition.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>2005 Acquisition</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On December 1, 2005, the
Company closed on the acquisition of the LM Capital Markets from Citigroup Inc.
The LM Capital Markets business was part of Legg Mason Wood Walker, Inc.
(&quot;LMWW&quot;), which Citigroup Inc. acquired from Legg Mason, Inc. in a substantially
simultaneous closing. The LM Capital Markets business acquired by the Company
included the Investment Banking, Equity and Fixed Income Research, Equity Sales
and Trading, and Taxable Fixed Income Sales and Trading Department of LMWW. A
component of the purchase price included a contingent earn-out payment of up to
an additional $30,000 based on the performance of the combined capital markets
business of both the Company's pre-closing Fixed Income and Equity Capital
Markets business and LM Capital Markets for three years after the acquisition
date starting on January 1, 2006. During fiscal years 2008, 2007 and 2006, the
Company recorded an earn-out liability of $16,255, $9,940 and $360,
respectively, which was accounted for as additional purchase price. </p>

<p class=MsoFooter align=center style='text-align:center'>90</p>

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<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 4 - Fair Value Measurements</i></b></p>

<p class=NoteTitle style='text-indent:.25in'>The following table presents the valuation of the Company's
financial instruments measured at fair value on a recurring basis by pricing
levels as of December 31, 2008:</p>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b>&nbsp;</b></p>

<div align="center">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:928px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.6pt'>
  <td valign=top style='width:280px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i><br>
  <br>
  <br>
  <br>
  (in thousands)</i></p>
  </td>
  <td valign=top style='width:14px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:138px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i>Quoted Prices in Active Markets for Identical Assets
  (Level 1)</i></p>
  </td>
  <td valign=top style='width:19px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i><br>
  Significant Other Observable Inputs (Level 2)</i></p>
  </td>
  <td valign=top style='width:17px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i><br>
  Significant Unobservable Inputs <br>
  (Level 3)</i></p>
  </td>
  <td valign=top style='width:18px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i><br>
  <br>
  Balance as of December 31, 2008</i></p>
  </td>
 </tr>
 <tr style='height:8.95pt'>
  <td valign=top style='width:280px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Assets</p>
  </td>
  <td valign=top style='width:14px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:19px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:17px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:106px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:18px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:109px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Cash equivalents</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 172,589</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 172,589</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Trading securities owned and pledged:</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>U.S. government and agency securities</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,876</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,525</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40,401</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and municipal bonds</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,397</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,553</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,143</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,093</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate obligations</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,820</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,150</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,161</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43,131</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate stocks</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:138px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,094</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,366</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,460</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'>Total trading securities owned and pledged</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 44,187</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 74,228</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,670</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 141,085</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'>Available-for-sale
  securities:</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>U.S. government agencies</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,591</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,591</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and political subdivisions</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Mortgage-backed
  securities-<br>
  &nbsp;agency collateralized</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Mortgage-backed
  securities-<br>
  &nbsp;non-agency collateralized</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,422</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,422</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Asset-backed securities</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:138px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - -</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Total available-for-sale
  securities</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39,974</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'>Investments:
  </p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Marketable equity securities</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,668</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,668</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Mutual funds</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,082</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,082</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>U.S. government obligations</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:138px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,123</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,132</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Other investments</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:138px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 90</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 419</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,169</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,678</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>Total investments</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:138px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,849</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,542</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,169</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38,560</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:280px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:9.0pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Total
  assets measured at fair value on a recurring basis</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:138px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 242,625</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 121,744</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38,262</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 402,631</p>
  </td>
 </tr>
</table>



</div>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:930px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'>Liabilities</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:134px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'></p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'></p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'></p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Trading securities sold, but not yet purchased:</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:134px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'></p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'></p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'></p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>U.S. government and agency securities</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:134px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,279</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,279</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and municipal bonds</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:134px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 154</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 154</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate obligations</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:134px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,081</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 37,931</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 62,012</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate stocks</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:134px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,489</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,489</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:9.0pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Total
  trading securities sold, but not yet purchased</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:134px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 60,849</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38,085</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,934</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:9.0pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Total
  liabilities measured at fair value on a recurring basis</p>
  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:134px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 60,849</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $38,085</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,934</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:18px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:134px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company's investment
in a convertible promissory note issued by FSI and U.S. Government securities
used to fund the Company's venture capital activities in qualified Missouri business are classified as held-to-maturity and included in &quot;Investments&quot; in the
consolidated statements of financial condition and therefore not included in
the above analysis of fair value at December 31, 2008. See Note 21 for further
details on the Company's venture capital activities and Note 27 for details
regarding our investment in FSI.</p>

<p class=MsoFooter align=center style='text-align:center'>91</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table presents the changes in fair value
carrying values associated with Level III financial instruments during the
twelve months ended December 31, 2008:</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>&nbsp;</b></p>

<div align="center">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:935px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i><br>
  <br>
  <br>
  (in thousands)</i></p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:133px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'>&nbsp;</p>
	<p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i>Trading Securities Owned and Pledged</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:20px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i><br>
  Available-for-Sale Securities</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:17px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:103px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i><br>
  <br>
  <br>
  Investments</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:27px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><i><br>
  <br>
  <br>
  Total</i></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>Balance, beginning of period</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:133px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,074</p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,653</p>
  </td>
  <td valign=top style='width:27px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp; 15,727</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left;
  text-indent:9.0pt'>Unrealized
  losses</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:133px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:103px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.4in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Included
  in net income relating to instruments
  still held at the reporting date</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:133px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2,114)</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:103px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,907)</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp; (4,021)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.4in;margin-bottom:.0001pt;text-align:left;
  text-indent:-.15in'>Included
  in other comprehensive income</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:133px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (5,456)</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:103px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp; (5,456)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left;
  text-indent:9.0pt'>Realized
  gains (losses)</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=bottom style='width:133px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:103px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:19.8pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-.15in'>Purchases,
  issuances, and settlements</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=bottom style='width:133px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,625</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=bottom style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (8,305)</p>
  </td>
  <td valign=bottom style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=bottom style='width:103px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,385</p>
  </td>
  <td valign=bottom style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=bottom style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,705</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left;
  text-indent:9.0pt'>Transfers
  in to level 3</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:133px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,159</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,684</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:103px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38</p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 37,881</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left;
  text-indent:9.0pt'>Transfers
  out of Level 3</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:133px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:20px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (7,574)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:17px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:103px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:27px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp; (7,574)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Balance at December 31, 2008</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:133px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,670</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:20px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:17px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:103px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,169</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:27px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp; 38,262</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:285px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:133px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:27px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:109px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The results included in
the table above are only a component of the overall trading strategies of the
Company. The table above does not present Level I or Level II valued assets or
liabilities. The Company did not have any Level III liabilities at December 31,
2008 or January 1, 2008. The changes to the Company's Level III classified
instruments were principally a result of: transfers of preferred and municipal
auction rate securities from Level II into Level III during the first quarter;
purchases during the second and third quarter; unrealized losses; sales of
auction rate securities at par during the third quarter; and transfers out at
the end of the second quarter. On June 30, 2008, Stifel Bank transferred an asset-backed
security with a par value of $10,000 from its available-for-sale portfolio to
its held-to-maturity portfolio. The estimated fair value at the date of
transfer was $7,574. See further discussion regarding this transfer in Note 6. During
September 2008, auction rate securities with a par value of $11,600 were called
at par. The Company was carrying these auction rate securities at the estimated
fair value of $11,020 due to the illiquid markets for these types of
securities. As a result, the $580 unrealized loss and related deferred tax
benefit were removed from accumulated other comprehensive income. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 5</i></b><i> - </i><b><i>Securities Owned and
Securities Sold, But Not Yet Purchased</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The components of securities owned and
securities sold, but not yet purchased at December 31, 2008 and 2007, are as
follows:</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=265 valign=top style='width:198.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=193 colspan=2 valign=top style='width:144.6pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td width=203 colspan=2 valign=top style='width:152.4pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=265 valign=top style='width:198.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>(in
  thousands)</i></b></p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=109 rowspan=2 valign=bottom style='width:81.6pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Sold, But Not<br>
  Yet Purchased</i></b></p>
  </td>
  <td width=95 valign=top style='width:71.4pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=108 rowspan=2 valign=bottom style='width:81.0pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Sold, But Not<br>
  Yet Purchased</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=265 valign=top style='width:198.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Securities,
  at fair value</b></p>
  </td>
  <td width=84 valign=bottom style='width:63.0pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Owned</i></b></p>
  </td>
  <td width=95 valign=bottom style='width:71.4pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Owned</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=265 valign=top style='width:198.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>U.S.
  Government obligations</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp; 40,401</p>
  </td>
  <td width=109 valign=top style='width:81.6pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,279</p>
  </td>
  <td width=95 valign=top style='width:71.4pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,086</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,582</p>
  </td>
 </tr>
 <tr>
  <td width=265 valign=top style='width:198.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>State
  and municipal bonds</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,093</p>
  </td>
  <td width=109 valign=top style='width:81.6pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 154</p>
  </td>
  <td width=95 valign=top style='width:71.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 52,257</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 68</p>
  </td>
 </tr>
 <tr>
  <td width=265 valign=top style='width:198.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Corporate
  obligations</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43,131</p>
  </td>
  <td width=109 valign=top style='width:81.6pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 62,012</p>
  </td>
  <td width=95 valign=top style='width:71.4pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,150</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,856</p>
  </td>
 </tr>
 <tr>
  <td width=265 valign=top style='width:198.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Corporate
  stocks</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,460</p>
  </td>
  <td width=109 valign=top style='width:81.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,489</p>
  </td>
  <td width=95 valign=top style='width:71.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,565</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,107</p>
  </td>
 </tr>
 <tr>
  <td width=265 valign=top style='width:198.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 141,085</p>
  </td>
  <td width=109 valign=top style='width:81.6pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,934</p>
  </td>
  <td width=95 valign=top style='width:71.4pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 137,058</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,613</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>The Company pledges
securities owned as collateral to counterparties, who have the ability to
repledge the collateral; therefore, the Company has reported the pledged
securities under the caption &quot;Securities owned and pledged, at fair
value&quot; in the consolidated statements of financial condition.</p>

<p class=MsoFooter align=center style='text-align:center'>92</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>












</p>












<p class=MsoNormal><b><i>NOTE
6</i></b><b><i>
- </i></b><b><i>Available-for-Sale
Securities and Held-to-Maturity Securities</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following tables provide a summary of
the amortized cost and fair values of Stifel Bank's available-for-sale
securities and held-to-maturity securities at December 31, 2008 and 2007:</p>

<div align="center">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:805px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:9.85pt'>
  <td valign=top style='width:336px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:441px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>December 31, 2008</i></b></p>
  </td>
 </tr>
 <tr style='height:35.05pt'>
  <td valign=top style='width:336px;height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><i><br>
  (in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  Amortized Cost</i></b></p>
  </td>
  <td valign=top style='width:107px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Gross Unrealized Gains</i></b></p>
  </td>
  <td valign=top style='width:92px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Gross Unrealized Losses</i></b></p>
  </td>
  <td valign=top style='width:99px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  <br>
  Fair Value</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>Available-for-sale</b></p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>U.S.&nbsp;Government
  agencies</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,447</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 144</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,591</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>State and political subdivisions</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,513</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1)</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed securities-agency
  collateralized</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,821</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (391)</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-non-agency collateralized</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,091</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (5,669)</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,422</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,400</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (977)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 57,272</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 163</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; (7,038)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>Held-to-maturity:</b></p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
 </tr>
</table>



</div>
<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:806px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:9.85pt'>
  <td valign=top style='width:336px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:442px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>December 31, 2007</i></b></p>
  </td>
 </tr>
 <tr style='height:35.05pt'>
  <td valign=top style='width:336px;height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><i><br>
  (in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  Amortized Cost</i></b></p>
  </td>
  <td valign=top style='width:106px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Gross Unrealized Gains</i></b></p>
  </td>
  <td valign=top style='width:92px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Gross Unrealized Losses</i></b></p>
  </td>
  <td valign=top style='width:102px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  <br>
  Fair Value</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>Available-for-sale</b></p>
  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>U.S.&nbsp;Government
  agencies</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 22,485</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 278</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1)</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,762</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>State and political subdivisions</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,121</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --&nbsp;</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,126</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-agency collateralized</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,465</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (10)</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,455</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-non-agency collateralized</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,444</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 232</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,676</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Corporate
  bonds</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,993</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (23)</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,970</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,699</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,581)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,118</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 88,207</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 515</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; (1,615)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 87,107</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:336px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>During the year ended
December 31, 2008, available-for-sale securities with an aggregate par value of
$37,206 were called by the issuing agencies or matured, including $11,600 par
value of auction rate securities, resulting in no gains or losses recorded
through the consolidated statement of operations. Additionally, for 2008, the
Company received principal payments on asset-backed and mortgage-backed securities
of $3,751. During the second quarter of 2008, the Company sold corporate bonds
for the approximate carrying value (fair value) of $2,993. There were no calls,
sales, maturities, or principal payments during the year ended December 31,
2007. During 2008, unrealized losses, net of deferred tax benefits, of $5,635
were recorded in accumulated other comprehensive loss. During 2007, unrealized
losses, net of deferred tax benefits, of $660 were recorded in accumulated
other comprehensive loss. </p>

<p class=MsoFooter align=center style='text-align:center'>93</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On June 30, 2008, Stifel
Bank transferred a $10,000 par value asset backed securities, consisting of
investment-grade trust preferred securities related primarily to banks, with an
amortized cost basis of $10,069 from its available-for-sale securities
portfolio to its held-to-maturity portfolio. This security was transferred at
the estimated fair value of $7,574. The gross unrealized loss of $2,495
included in accumulated other comprehensive income is being amortized as an
adjustment of yield over the remaining life of the security. Amortization of $33,
net of tax, related to the unrealized loss was recorded as an adjustment of
yield for the period July 1, 2008 to December 31, 2008. The estimated fair
value of these held-to-maturity securities at December 31, 2008 was $6,250. The
estimated fair value was determined using several factors; however, primary
weight was given to discounted cash flow modeling techniques that incorporated
an estimated discount rate based upon recent observable debt security issuances
with similar characteristics. Based upon the results of this analysis and
Stifel Bank's intent and ability to hold this investment to maturity, the
Company has determined that the expected cash flows of this investment support
the estimated fair value.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The amortized cost and
fair value of available-for-sale and held-to-maturity securities at December
31, 2008 by contractual maturity, is shown below. Expected maturities will
differ from contractual maturities because issuers may have the right to call
or prepay obligations with or without call or prepayment penalties.</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'><i>&nbsp;</i></p>
  </td>
  <td width=167 colspan=2 valign=top style='width:125.35pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Available-for-Sale</i></b></p>
  </td>
  <td width=162 colspan=2 valign=top style='width:121.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Held-to-Maturity</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'><b><i><br>
  (in thousands)</i></b></p>
  </td>
  <td width=87 valign=top style='width:65.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b><i>Amortized Cost</i></b></p>
  </td>
  <td width=80 valign=top style='width:59.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Fair Value</i></b></p>
  </td>
  <td width=85 valign=top style='width:63.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b><i>Amortized Cost</i></b></p>
  </td>
  <td width=78 valign=top style='width:58.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Fair Value</i></b></p>
  </td>
 </tr>
 <tr style='height:13.9pt'>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.9pt'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'><b>U.S. Government and state and political agencies and
  other non-mortgage debt securities:</b></p>
  </td>
  <td width=87 valign=top style='width:65.6pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:13.9pt'>

  </td>
  <td width=80 valign=top style='width:59.75pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:13.9pt'>

  </td>
  <td width=85 valign=top style='width:63.4pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:13.9pt'>

  </td>
  <td width=78 valign=top style='width:58.4pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:13.9pt'>

  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Within
  one year</p>
  </td>
  <td width=87 valign=top style='width:65.6pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,193</p>
  </td>
  <td width=80 valign=top style='width:59.75pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,012</p>
  </td>
  <td width=85 valign=top style='width:63.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=78 valign=top style='width:58.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>One to three years</p>
  </td>
  <td width=87 valign=top style='width:65.6pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,651</p>
  </td>
  <td width=80 valign=top style='width:59.75pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,921</p>
  </td>
  <td width=85 valign=top style='width:63.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=78 valign=top style='width:58.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Three to five years</p>
  </td>
  <td width=87 valign=top style='width:65.6pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,061</p>
  </td>
  <td width=80 valign=top style='width:59.75pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,072</p>
  </td>
  <td width=85 valign=top style='width:63.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=78 valign=top style='width:58.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Five to ten years</p>
  </td>
  <td width=87 valign=top style='width:65.6pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,455</p>
  </td>
  <td width=80 valign=top style='width:59.75pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,540</p>
  </td>
  <td width=85 valign=top style='width:63.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=78 valign=top style='width:58.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Over ten years</p>
  </td>
  <td width=87 valign=top style='width:65.6pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=80 valign=top style='width:59.75pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=85 valign=top style='width:63.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
  <td width=78 valign=top style='width:58.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,250</p>
  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'><b>Mortgage-backed securities:</b></p>
  </td>
  <td width=87 valign=top style='width:65.6pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=80 valign=top style='width:59.75pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=85 valign=top style='width:63.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=78 valign=top style='width:58.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Five to ten years</p>
  </td>
  <td width=87 valign=top style='width:65.6pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,967</p>
  </td>
  <td width=80 valign=top style='width:59.75pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,502</p>
  </td>
  <td width=85 valign=top style='width:63.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=78 valign=top style='width:58.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Over twenty-five years</p>
  </td>
  <td width=87 valign=top style='width:65.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,945</p>
  </td>
  <td width=80 valign=top style='width:59.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,350</p>
  </td>
  <td width=85 valign=top style='width:63.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=78 valign=top style='width:58.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=323 valign=top style='width:242.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=87 valign=top style='width:65.6pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 57,272</p>
  </td>
  <td width=80 valign=top style='width:59.75pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
  <td width=85 valign=top style='width:63.4pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
  <td width=78 valign=top style='width:58.4pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 6,250</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The carrying value of
securities pledged as collateral to secure public deposits and other purposes
was $43,151 and $12,105 at December 31, 2008 and 2007, respectively. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Certain investments in
the available-for-sale portfolio at December 31, 2008 are reported in the consolidated
statements of financial condition at an amount less than their amortized cost.
The total fair value of these investments at December 31, 2008 was $39,363,
which was approximately 78% of the Company's available-for-sale investment
portfolio. The amortized cost basis of these investments was $46,401 at
December 31, 2008. The declines in the available-for-sale portfolio primarily
resulted from changes in interest rates and the widening of credit spreads, and
the liquidity issues that have had a pervasive impact on the market</p>

<p class=MsoFooter align=center style='text-align:center'>94</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='text-indent:.25in'>The following table is a summary of the amount
of gross unrealized losses and the estimated fair value by length of time that
the securities have been in an unrealized loss position at December 31, 2008:</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:959px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:273px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:198px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Less than 12 months</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:210px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>12 months or more</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:222px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Total</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:273px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><i><br>
  (in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Gross Unrealized Losses</i></b></p>
  </td>
  <td valign=top style='width:76px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  Fair Value</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Gross Unrealized Losses</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  Fair Value</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Gross Unrealized Losses</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  Fair Value</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:273px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>Available-for-sale
  </b></p>
  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:96px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:111px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:97px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:273px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>State and political
  subdivisions</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1)</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 500</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1)</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 500</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:273px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-agency collateralized</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (391)</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp; 12,430</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (391)</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:273px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities- non-agency collateralized</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp; (5,669)</p>
  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp; 17,422</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:96px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (5,669)</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp; 17,422</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:273px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (181)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp; 4,747</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (796)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,676</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (977)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:273px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp; (6,242)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$ 35,099</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (796)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:96px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 5,676</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; (7,038)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp; 40,775</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank's investment
in a held-to-maturity asset-backed security consists of investment grade pools
of trust preferred securities related to banks. Unrealized losses were caused
primarily by: 1) widening of credit spreads; 2) illiquid markets for collateralized
debt obligations; 3) global disruptions in the credit markets; and 4) increased
supply of collateralized debt obligation secondary market securities from
distressed sellers. There have been no adverse changes to the estimated cash
flows of these securities. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank's
available-for-sale securities and held-to-maturity security are reviewed
quarterly in accordance with its accounting policy for other-than-temporary
impairment, which is described in Note 1, and since the decline in fair value
of the securities presented in the table above is attributable to changes in
interest rates and the widening of credit spreads, and the liquidity issues
that have had a pervasive impact on the market and not credit quality and
because the Company has the ability and intent to hold these investments until
a fair value recovery or maturity, it does not consider these securities to be
other-than-temporarily impaired as of December 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company determined
that two securities in the portfolio were other-than-temporarily impaired and
recognized a loss of $2,419 in income for the year ended December 31, 2008. No
securities were identified as other-than-temporarily impaired during the year
ended December 31, 2007.</p>

<p class=MsoFooter align=center style='text-align:center'>95</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 7</i></b><i> - </i><b><i>Bank Loans</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents the balance
and associated percentage of each major loan category in Stifel Bank's loan
portfolio at December 31, 2008 and 2007:</p>

<div align="center">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:775px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.6pt'>
  <td valign=top style='width:379px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=2 valign=top style='width:173px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2008</i></b></p>
  </td>
  <td colspan=2 valign=top style='width:181px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2007</i></b></p>
  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:379px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:95px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Balance</i></b></p>
  </td>
  <td valign=top style='width:64px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>%</i></b></p>
  </td>
  <td valign=top style='width:90px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Balance</i></b></p>
  </td>
  <td valign=top style='width:77px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>%</i></b></p>
  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:379px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'><b><i>(in thousands)</i></b></p>
  </td>
  <td valign=top style='width:95px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:64px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:90px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:379px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Commercial real estate </p>
  </td>
  <td valign=top style='width:95px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 41,563</p>
  </td>
  <td valign=top style='width:64px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22%</p>
  </td>
  <td valign=top style='width:90px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39,184</p>
  </td>
  <td valign=top style='width:77px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'>Construction and land</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,968</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8%</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,447</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Commercial </p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,538</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15%</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,526</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'>Residential real estate</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,661</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30%</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,628</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Home equity lines of credit</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,612</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15%</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,524</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'>Consumer</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,628</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10%</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,474</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Other</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --%</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 570</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:77px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp; 187,004</p>
  </td>
  <td valign=top style='width:64px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp; 100%</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 128,353</p>
  </td>
  <td valign=top style='width:77px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Unamortized loan origination costs, net of
  loan fees</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,038</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'>Loans in process</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3,878)</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Allowance for loan losses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2,448)</p>
  </td>
  <td valign=top style='width:64px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,685 )</p>
  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:379px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 181,716</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:64px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='text-align:right;text-indent:0in'></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 126,668</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:77px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>Changes in the allowance for loan losses at
Stifel Bank were as follows:</p>

<div align="center">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=664
 style='width:497.7pt;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=204 colspan=2 valign=top style='width:153.0pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>December 31, 2008</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>December 31, 2007*</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'><b><i>(in thousands)</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Allowance for loan losses, beginning of period</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;$&nbsp; 1,685</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'>
  <p class=Notes style='text-indent:0in'>Acquisition
  of Stifel Bank</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,127</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Provision
  for loan loss charged to operations</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,923</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 558</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Charge-offs:</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm'>
  <p class=Notes style='margin-left:.15in;text-indent:0in'>Commercial real estate</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (253)</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='margin-left:.15in;text-indent:0in'>Real estate construction loans</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (414)</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='margin-left:.15in;text-indent:0in'>Construction and land</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (493)</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2)</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify;text-indent:
  .25in'>Total charge-offs</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp; (1,160)</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2)</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Recoveries</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Allowances
  for loan losses, end of period</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;$&nbsp; 2,448</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;$&nbsp; 1,685</p>
  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=460 valign=top style='width:344.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Net
  charge-offs to average bank loans, net outstanding</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp; 0.64%</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp; 0.00%</p>
  </td>
 </tr>
</table>

</div>

<p class=Notes style='margin-top:6.0pt;text-indent:0in'>*&nbsp;&nbsp;&nbsp; The results of Stifel Bank &amp; Trust are included prospectively
from the date of acquisition of April 2, 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008
Stifel Bank had $30,799 in mortgage loans held for sale. For the year ended
December 31, 2008, Stifel Bank recognized a gain of $2,089 from the sale of
loans originated for sale, net of fees and costs to originate these loans. </p>

<p class=MsoFooter align=center style='text-align:center'>96</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Included in the loan
portfolio at December 31, 2008 and 2007 are impaired loans totaling $573 and
$657, respectively, for which there are specific loss allowances of $189 and
$328, respectively. During the third quarter 2008, Stifel Bank obtained a deed
in lieu of foreclosure on a residential construction development with an
outstanding loan balance of $1,075, which was then transferred into &quot;Bank
foreclosed assets held for sale&quot; at its estimated fair value less cost to sell,
resulting in an immaterial charge-off. There were no other non-accruing loans
and there were no accruing loans delinquent 90 days or more at December 31,
2008 or December 31, 2007. The gross interest income related to impaired loans,
which would have been recorded had these loans been current in accordance with
their original terms, and the interest income recognized on these loans during
the year were immaterial to the consolidated financial statements. There were
no troubled debt restructurings during the years ended December 31, 2008 and
2007. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008 and
2007, Stifel Bank had loans outstanding to its executive officers, directors
and significant stockholders and their affiliates in the amount of $1,578 and
$4,194, respectively, and loans outstanding to other Stifel Financial Corp.
executive officers, directors and significant stockholders and their affiliates
in the amount of $48 and $260, respectively. Such loans and other extensions of
credit were made in the ordinary course of business and were made on
substantially the same terms (including interest rates and collateral) as those
prevailing at the time for comparable transactions with other persons.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Note 8 - Office equipment and leasehold
improvements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The following is a
summary of office equipment and leasehold improvements as of December 31, 2008
and 2007.</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=449 valign=top style='width:336.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>(in
  thousands)</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2008</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2007</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=449 valign=top style='width:336.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Land</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 792</p>
  </td>
 </tr>
 <tr>
  <td width=449 valign=top style='width:336.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Furniture
  and fixtures</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 70,049</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,589</p>
  </td>
 </tr>
 <tr>
  <td width=449 valign=top style='width:336.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Building,
  leasehold and land improvements</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,791</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,407</p>
  </td>
 </tr>
 <tr>
  <td width=449 valign=top style='width:336.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 101,840</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 81,788</p>
  </td>
 </tr>
 <tr>
  <td width=449 valign=top style='width:336.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Less
  accumulated depreciation and amortization</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (54,075)</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (41,127)</p>
  </td>
 </tr>
 <tr>
  <td width=449 valign=top style='width:336.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.45pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:double windowtext 1.5pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47,765</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:double windowtext 1.5pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40,661</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>For the years ended
December 31, 2008, 2007 and 2006, depreciation and amortization of owned furniture
and equipment, and leasehold improvements totaled $12,948, $10,643, and $4,948, respectively, and are
included in &quot;Occupancy and equipment rental&quot; on the consolidated statements of
operations.</p>

<p class=MsoFooter align=center style='text-align:center'>97</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 9</i></b><i> - </i><b><i>Goodwill and Intangible
Assets</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company completed an
annual goodwill impairment test as of July 31 in each of the years ended
December 31, 2008, 2007, and 2006 in accordance with SFAS 142. The Company's
testing did not indicate any impairment of the carrying value of goodwill.
Additionally, there were no events or changes in circumstances indicating that
goodwill might be impaired from the impairment test date through December 31,
2008. Substantially all of our goodwill
is in our Private Client Group and Equity Capital Markets segments. Our Private
Client Group segment generated record net revenues in 2008 and our Equity
Capital Markets segment had its second best year following its record net
revenues in 2007.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The carrying amount of
goodwill and intangible assets attributable to each of the Company's reportable
segments is presented in the following table:</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:831px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i><br>
  <br>
  <br>
  (in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Private <br>
  Client <br>
  Group</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:88px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Equity <br>
  Capital Markets</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Fixed Income Capital Markets</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i><br>
  <br>
  Stifel Bank</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>
  <br>
  <br>
  Total</i></b></p>
  </td>
 </tr>
 <tr style='height:16.6pt'>
  <td valign=top style='width:276px;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Goodwill</b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'><b><u>&nbsp;</u></b></p>
  </td>
  <td valign=top style='width:88px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'><b><u>&nbsp;</u></b></p>
  </td>
  <td valign=top style='width:92px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'><b><u>&nbsp;</u></b></p>
  </td>
  <td valign=top style='width:91px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'><b><u>&nbsp;</u></b></p>
  </td>
  <td valign=top style='width:97px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'><b><u>&nbsp;</u></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Balance
  at December 31, 2007</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp; 42,303</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp; 25,528</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp; 7,267</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp; 16,788</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp; 91,886</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'>Acquisitions/purchase
  price adjustments</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,070</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,340</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,085</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (103)</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,392</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Balance
  at December 31, 2008</p>
  </td>
  <td valign=top style='width:104px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 58,373</p>
  </td>
  <td valign=top style='width:88px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 41,868</p>
  </td>
  <td valign=top style='width:92px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,352</p>
  </td>
  <td valign=top style='width:91px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,685</p>
  </td>
  <td valign=top style='width:97px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 128,278</p>
  </td>
 </tr>
 <tr style='height:5.0pt'>
  <td valign=top style='width:276px;height:5.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:104px;border:medium none;height:5.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:88px;border:medium none;height:5.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:92px;border:medium none;height:5.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:91px;border:medium none;height:5.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:97px;border:medium none;height:5.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Intangible
  Assets</b></p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Balance
  at December 31, 2007</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,336</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,394</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,212</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,773</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,715</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  additions</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 350</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 350</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Transfers</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 574</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (600)</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Amortization
  of intangible assets</p>
  </td>
  <td valign=top style='width:104px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2,022)</p>
  </td>
  <td valign=top style='width:88px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (487)</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (153)</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (419)</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3,081)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Balance
  at December 31, 2008</p>
  </td>
  <td valign=top style='width:104px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,888</p>
  </td>
  <td valign=top style='width:88px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,657</p>
  </td>
  <td valign=top style='width:92px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,085</p>
  </td>
  <td valign=top style='width:91px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,354</p>
  </td>
  <td valign=top style='width:97px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,984</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:88px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:276px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:18.7pt;text-indent:-18.7pt'>Total goodwill and
  intangible assets</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;$&nbsp; 69,261</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:88px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;$&nbsp; 44,525</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp; 12,437</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;$&nbsp; 18,039</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:97px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;$144,262</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The changes in goodwill
during 2008 primarily consist of accruals for the third year contingent payment
for the LM Capital Markets of $16,255, contingent payments, accruals and
purchase price adjustments of $16,698 for the Ryan Beck acquisition and the
purchase of Butler Wick on December 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Intangible assets
consist of acquired customer lists, core deposits, and non-compete agreements
that are amortized to expense over their contractual or determined useful
lives, as well as backlog, which is amortized against revenue as specific
transactions are closed. The gross and accumulated amortization balances of
intangibles are as follows:</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:1004px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:212px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='width:370px;border-top:medium none;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:379px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:212px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i><br>
  <br>
  (in thousands)</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Gross<br>
	Carrying Amount</i></b></p>
  </td>
  <td valign=top style='width:122px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
	<p class=MsoNormal align=center style='text-align:center'><b><i><br>
	Accumulated<br>
	Amortization</i></b></p>
  </td>
  <td valign=top style='border-right:1.0pt solid windowtext; border-top:1.0pt solid windowtext; border-bottom:1.0pt solid windowtext; width:106px;border-left:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i><br>
  <br>
  Net</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Gross <br>
	Carrying Amount</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:125px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
	<p class=MsoNormal align=center style='text-align:center'><b><i><br>
	Accumulated<br>
	Amortization</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i><br>
  <br>
  Net</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:212px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'><b>Amortized intangible assets</b></p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:122px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-top:medium none; border-bottom:medium none; width:106px;border-right:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:125px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:212px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Customer lists</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 19,533</p>
  </td>
  <td valign=top style='width:122px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,371</p>
  </td>
  <td valign=top style='border-left:medium none; border-top:medium none; border-bottom:medium none; width:106px;border-right:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ 14,162</p>
  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 19,533</p>
  </td>
  <td valign=top style='width:125px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,301</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$ 16,232</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:212px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Core deposits</p>
  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,157</p>
  </td>
  <td valign=top style='width:122px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 804</p>
  </td>
  <td valign=top style='border-left:medium none; border-top:medium none; border-bottom:medium none; width:106px;border-right:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 1,353</p>
  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,157</p>
  </td>
  <td valign=top style='width:125px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 384</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 1,773</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:212px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Other</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,584</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:122px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,115</p>
  </td>
  <td valign=top style='width:106px;border-top:medium none;border-left:
  medium none;border-bottom:1.0pt solid windowtext;border-right:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 469</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,234</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:125px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,524</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 710</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:212px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 24,274</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:122px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,290</p>
  </td>
  <td valign=top style='width:106px;border-top:medium none;border-left:
  medium none;border-bottom:1.5pt double windowtext;border-right:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$ 15,984</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp; 23,924</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:125px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,209</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$ 18,715</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoFooter align=center style='text-align:center'>98</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Aggregate amortization
expense related to intangible assets was $3,081, $3,601, and $815 for each of the years ended
December 31, 2008, 2007, and 2006, respectively. Estimated annual amortization
expense for the next five years is: 2009 - $2,372; 2010 - $2,093; 2011 - $1,896;
2012 - $1,618; and 2013 - $1,461. The weighted-average remaining lives of the
following intangible assets at December 31, 2008 are: customer lists 6.5 years;
core deposits 6.5 years; and non-compete agreements 0.8 years.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 10</i></b><i> - </i><b><i>Short-Term Borrowings
from Banks</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.5in'>The Company's short-term
financing related to the broker-dealer business is generally obtained through
the use of bank loans and securities lending arrangements. Stifel Nicolaus
borrows from various banks on a demand basis with company-owned and customer
securities pledged as collateral. The value of the customer-owned securities is
not reflected in the consolidated statements of financial condition. Available
ongoing credit arrangements with banks totaled $600,000 at December 31, 2008, all
of which was unused. There are no compensating balance requirements under these
arrangements. At December 31, 2008, there were no short-term &nbsp;borrowings from
banks. At December 31, 2007, short-term borrowings from banks were $127,850 at
an average rate of 4.53%, which were collateralized by company-owned securities
valued at $151,714. The average short-term bank borrowing was $132,660, $156,778,
and $148,683 in 2008, 2007, and 2006, respectively, at weighted average daily
interest rates of 2.28%, 4.86%, and 5.36%, respectively. At December 31, 2008
and 2007, Stifel Nicolaus had a stock loan balance of $16,987 and $138,475,
respectively, at weighted average daily interest rates of 0.52% and 4.12%,
respectively. The average outstanding securities lending arrangements utilized
in financing activities were $105,424, $119,590, and $114,913 in 2008, 2007,
and 2006, respectively, at weighted average daily effective interest rates of
2.47%, 4.82%, and 4.85%, respectively. Customer owned securities were utilized
in these arrangements.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 11</i></b><b><i> - Federal Home Loan
Bank Advances and Other Secured Financing</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008,
Stifel Bank had $6,000 of credit extended from the Federal Home Loan Bank,
consisting of advances. Of the $6,000 advances outstanding, $4,000 is at a rate
of 2.86% and matures on April 30, 2009, and $2,000 is at a rate of 3.20% and
matures on April 30, 2010. Stifel Bank did not have any such advances
outstanding at December 31, 2007. The average Federal Home Loan Bank advances
outstanding were $10,739 and $3,642 in 2008 and 2007, respectively, at weighted
average daily interest rates of 2.56% and 5.32%, respectively. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In 2008 and 2007, Stifel
Bank had average federal funds and repurchase agreements outstanding of $887
and $119, respectively, at weighted average interest rates of 2.30% and 3.33%,
respectively. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 12</i></b><i> - <b>Bank Deposits</b></i></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>Deposits consist of customer bank deposits, savings accounts
and time deposits. Deposits at December 31, 2008 and 2007 are summarized as
follows:</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>(in
  thousands)</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2008</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2007</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Demand
  deposits-non-interest bearing</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,162</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,260</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Demand
  deposits-interest bearing</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,258</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,054</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Money
  market accounts</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 232,935</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 133,057</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Savings
  accounts</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 341</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 365</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Certificates
  of deposit, less than $100</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,436</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,324</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Certificates
  of deposit, $100 and greater</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,666</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,421</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 284,798</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 192,481</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The weighted average
interest rate on deposits was approximately 0.4% and 4.3% at December 31, 2008
and 2007, respectively.</p>

<p class=MsoFooter align=center style='text-align:center'>99</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>Scheduled maturities of
certificates of deposit at December 31, 2008 and 2007 were as follows:</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.5pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal><b><i>(in
  thousands)</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2008</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.35pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2007</i></b></p>
  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal><b>Certificates
  of deposit, less than $100:</b></p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>

  </td>
  <td width=102 valign=top style='width:76.35pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>

  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Within one year</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,525</p>
  </td>
  <td width=102 valign=top style='width:76.35pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,984</p>
  </td>
 </tr>
 <tr style='height:12.55pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt'>
  <p class=MsoNormal style='margin-left:15.3pt'>One to three years</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,562</p>
  </td>
  <td width=102 valign=top style='width:76.35pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,998</p>
  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Over three years</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,349</p>
  </td>
  <td width=102 valign=top style='width:76.35pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,342</p>
  </td>
 </tr>
 <tr style='height:12.55pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt'>

  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.55pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,436</p>
  </td>
  <td width=102 valign=top style='width:76.35pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.55pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,324</p>
  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal><b>Certificates
  of deposit, $100 and greater:</b></p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td width=102 valign=top style='width:76.35pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' align="right">

  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Within one year</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,455</p>
  </td>
  <td width=102 valign=top style='width:76.35pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,002</p>
  </td>
 </tr>
 <tr style='height:12.55pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt'>
  <p class=MsoNormal style='margin-left:15.3pt'>One to three years</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,949</p>
  </td>
  <td width=102 valign=top style='width:76.35pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,501</p>
  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Over three years</p>
  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,262</p>
  </td>
  <td width=102 valign=top style='width:76.35pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 918</p>
  </td>
 </tr>
 <tr style='height:12.55pt'>
  <td width=449 valign=top style='width:336.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt'>

  </td>
  <td width=102 valign=top style='width:76.45pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.55pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,666</p>
  </td>
  <td width=102 valign=top style='width:76.35pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.55pt' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,421</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008 and
2007, the amount of deposits includes deposits of related parties, including $228,653
and $118,160, respectively, of brokerage customer's deposits from Stifel
Nicolaus, and interest-bearing and time deposits of executive officers,
directors and significant stockholders and their affiliates of $750 and $1,114,
respectively. Such deposits were made in the ordinary course of business and
were made on substantially the same terms (including interest rates) as those
prevailing at the time for comparable transactions with other persons.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008 and
2007, customer demand deposit overdrafts of $34 and $570, respectively, have
been recorded as &quot;Bank loans&quot; on the consolidated statements of financial condition.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 13</i></b><i> - <b>Debentures to Stifel Financial
Capital Trusts </b></i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On August 12, 2005, the
Company completed its private placement of $35,000 of 6.38% Cumulative Trust
Preferred Securities. The trust preferred Securities were offered by Stifel Financial
Capital Trust II (the &quot;Trust II&quot;), a non-consolidated wholly-owned Delaware business trust subsidiary of the Company. The trust preferred securities mature on
September 30, 2035, but may be redeemed by the Company, and in turn, the Trust
II would call the debenture beginning September 30, 2010. The Trust II requires
quarterly distributions of interest to the holders of the trust preferred
securities. Distributions will be payable at a fixed interest rate equal to
6.38% per annum from the issue date to September 30, 2010 and then will be
payable at a floating interest rate equal to three-month London Interbank
Offered Rate (&quot;LIBOR&quot;) plus 1.70% per annum. The trust preferred securities
represent an indirect interest in a junior subordinated debenture purchased
from the Company by the Trust II. The debenture bears the same terms as the
trust preferred securities and is presented as &quot;Debenture to Stifel Financial
Capital Trust II&quot; in the consolidated statements of financial condition.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On March 30, 2007, the
Company completed its private placement of $35,000 of 6.79% Cumulative Trust
Preferred Securities. The trust preferred securities were offered by Stifel
Financial Capital Trust III (the &quot;Trust III&quot;), a non-consolidated
wholly-owned Delaware business trust subsidiary of the Company. The trust
preferred securities mature on June 6, 2037, but may be redeemed by the Company
and in turn, Trust III would call the debenture beginning June 6, 2012. Trust
III requires quarterly distributions of interest to the holders of the trust
preferred securities. Distributions will be payable quarterly in arrears at a
fixed interest rate equal to 6.79% per annum from the issue date to June 6,
2012 and then will be payable at a floating interest rate equal to three-month
LIBOR plus 1.85% per annum. The trust preferred securities represent an
indirect interest in a junior subordinated debenture purchased from the Company
by Trust III. The debenture bears the same terms as the trust preferred securities
and is presented as &quot;Debentures to Stifel Financial Capital Trust III&quot; in the
Company's consolidated statements of financial condition. The net proceeds to
the Company from the sale of the Junior Subordinated Debentures to Trust III
were utilized to fund the acquisition of Stifel Bank.</p>

<p class=MsoFooter align=center style='text-align:center'>100</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On June 28, 2007, the
Company completed its private placement of $35,000 of 6.78% Cumulative Trust
Preferred Securities. The trust preferred securities were offered by Stifel
Financial Capital Trust IV (the &quot;Trust IV&quot;), a non-consolidated wholly-owned Delaware business trust subsidiary of the Company. The trust preferred securities mature on
September 6, 2037, but may be redeemed by the Company and in turn, Trust IV
would call the debenture beginning September 6, 2012. Trust IV requires
quarterly distributions of interest to the holders of the trust preferred
securities. Distributions will be payable quarterly in arrears at a fixed
interest rate equal to 6.78% per annum from the issue date to September 6, 2012
and then will be payable at a floating interest rate equal to three-month LIBOR
plus 1.85% per annum. The trust preferred securities represent an indirect
interest in a junior subordinated debenture purchased from the Company by Trust
IV. The debenture bears the same terms as the trust preferred securities and is
presented as &quot;Debentures to Stifel Financial Capital Trust IV&quot; in the Company's
consolidated statements of financial condition. The net proceeds to the Company
from the sale of the Junior Subordinated Debentures to Trust IV were used to
call on July 13, 2007 the Company's $34,500, 9% Cumulative Trust Preferred
Securities, issued through Stifel Financial Capital Trust I on April 25, 2002
and callable June 30, 2007. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On November 28, 2007,
the Company purchased $10,000 par value of 6.78% Cumulative Trust Preferred
Securities in an open market transaction for $6,250. The Cumulative Trust
Preferred Securities were originally offered and sold by Stifel Financial
Capital Trust IV. As a result, the Company extinguished $10,000 of its
debenture to Stifel Financial Capital IV and recorded an approximate $3,750
gain before certain expenses and taxes in the fourth quarter of 2007 reflected
in &quot;Other revenues&quot; on the Company's consolidated statements of operations. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, On
November 4, 2008, the Company issued 142,196 shares of Company common stock in
exchange for $12,500 par value of 6.78% Cumulative Trust Preferred Securities,
originally offered and sold by Stifel Financial Capital Trust IV. As a result,
the Company extinguished $12,500 of its debenture to Stifel Financial Capital
Trust IV in the fourth quarter of 2008 and recorded an approximate $6,700 gain
before certain expenses and taxes reflected in &quot;Other revenues&quot; on the
Company's consolidated statements of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 14</i></b><i> - <b>Liabilities Subordinated to Claims
of General Creditors</b></i></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The Company has a deferred compensation
plan available to financial advisors who achieve a certain level of production,
whereby a certain percentage of their earnings are deferred as defined by the
plan, a portion of which is deferred in stock units and the balance into
optional investment choices. The Company obtained approval from the New York
Stock Exchange to subordinate the liability for future payments to financial
advisors for that portion of compensation not deferred in stock units. The
Company issued cash subordination agreements to participants in the plan
pursuant to provisions of Appendix D of Exchange Act Rule 15c3-1 and included
in its computation of net capital the following (in thousands):</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=262 rowspan=2 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Distribution<br>
  January 31,</i></b></p>
  </td>
  <td width=108 valign=top style='width:80.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>Plan
  Year</i></b></p>
  </td>
  <td width=108 valign=top style='width:80.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Amount</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>2003</p>
  </td>
  <td width=262 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=center style='text-align:center'>2009</p>
  </td>
  <td width=108 valign=top style='width:80.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp; 1,300</p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>2004</p>
  </td>
  <td width=262 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>2010</p>
  </td>
  <td width=108 valign=top style='width:80.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,391</p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>2005</p>
  </td>
  <td width=262 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=center style='text-align:center'>2011</p>
  </td>
  <td width=108 valign=top style='width:80.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,474</p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>2006</p>
  </td>
  <td width=262 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>2012</p>
  </td>
  <td width=108 valign=top style='width:80.85pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,722</p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>2007</p>
  </td>
  <td width=262 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=center style='text-align:center'>2013</p>
  </td>
  <td width=108 valign=top style='width:80.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,328</p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=262 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=108 valign=top style='width:80.85pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,215</p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=262 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>Unamortized expense</p>
  </td>
  <td width=108 valign=top style='width:80.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3,853)</p>
  </td>
 </tr>
 <tr>
  <td width=283 valign=top style='width:212.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=262 valign=top style='width:196.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=108 valign=top style='width:80.85pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp; 4,362</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008,
the fair value of the liabilities subordinated to claims of general creditors
using interest rates commensurate with borrowings of similar terms was $7,552.</p>

<p class=MsoFooter align=center style='text-align:center'>101</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 15</i></b><i> <b>-</b></i><b> </b><b><i>Commitments and
Contingencies</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Concentration of Credit Risk</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company provides investment, capital-raising and
related services to a diverse group of domestic customers, including governments,
corporations, and institutional and individual investors. The Company's
exposure to credit risk associated with the non-performance of customers in
fulfilling their contractual obligations pursuant to securities transactions
can be directly impacted by volatile securities markets, credit markets and
regulatory changes. This exposure is measured on an individual customer basis
and on a group basis for customers that share similar attributes. To alleviate
the potential for risk concentrations, counterparty credit limits have been
implemented for certain products and are continually monitored in light of
changing customer and market conditions. As of December 31, 2008 and 2007, the
Company did not have significant concentrations of credit risk with any one
customer or counterparty, or any group of customers or counterparties.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Other Commitments</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the normal course of
business, the Company enters into underwriting commitments. Settlement of
transactions relating to such underwriting commitments, which were open December
31, 2008, had no material effect on the consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In connection with
margin deposit requirements of The Options Clearing Corporation, the Company
had pledged customer-owned securities valued at $56,342 to satisfy the minimum
margin deposit requirement of $46,929 at December 31, 2008. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In connection with
margin deposit requirements of the National Securities Clearing Corporation,
the Company had deposited $18,000 in cash at December 31, 2008, which satisfied
the minimum margin deposit requirements of $12,846.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company also
provides guarantees to securities clearinghouses and exchanges under their
standard membership agreement, which requires members to guarantee the
performance of other members. Under the agreement, if another member becomes
unable to satisfy its obligations to the clearinghouse, other members would be
required to meet shortfalls. The Company's liability under these agreements is
not quantifiable and may exceed the cash and securities it has posted as
collateral. However, the potential requirement for the Company to make payments
under these arrangements is considered remote. Accordingly, no liability has
been recognized for these arrangements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company has received
inquiries from the Securities and Exchange Commission (&quot;SEC&quot;), the Financial Industry
Regulatory Authority (&quot;FINRA&quot;), and several state
regulatory authorities requesting information concerning the Company's
transactions in auction rate securities. Additionally, the Company and its subsidiary
Stifel Nicolaus have been named in civil suits. See further information
regarding the civil suits in Note 16.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the ordinary course
of business, Stifel Bank has commitments to extend credit in the form of
commitments to originate loans, standby letters of credit, and lines of credit.
See Note 20 for further details.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Concentration of Credit Risk</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company provides investment, capital-raising and
related services to a diverse group of domestic customers, including
governments, corporations, and institutional and individual investors. The
Company's exposure to credit risk associated with the non-performance of
customers in fulfilling their contractual obligations pursuant to securities
transactions can be directly impacted by volatile securities markets, credit
markets and regulatory changes. This exposure is measured on an individual
customer basis and on a group basis for customers that share similar
attributes. To alleviate the potential for risk concentrations, counterparty
credit limits have been implemented for certain products and are continually
monitored in light of changing customer and market conditions. As of December
31, 2008 and 2007, the Company did not have significant concentrations of
credit risk with any one customer or counterparty, or any group of customers or
counterparties.</p>

<p class=MsoFooter align=center style='text-align:center'>102</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify'><i>Operating Lease Commitments</i></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The future minimum rental and third-party
vendor service commitments at December 31, 2008, with initial or remaining
non-cancelable terms in excess of one year, some of which contain escalation
clauses and renewal options, are as follows (in thousands):</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=598
 style='width:448.2pt;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=492 valign=top style='width:368.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><br>
  <br>
  <br>
  <br>
  <i>Year Ended December 31</i></b></p>
  </td>
  <td width=106 valign=bottom style='width:79.25pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Operating Leases</i><br>
  <i>and</i><br>
  <i>Service Agreements</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=492 valign=top style='width:368.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>2009</p>
  </td>
  <td width=106 valign=top style='width:79.25pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 41,054</p>
  </td>
 </tr>
 <tr>
  <td width=492 valign=top style='width:368.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>2010</p>
  </td>
  <td width=106 valign=top style='width:79.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 30,224</p>
  </td>
 </tr>
 <tr>
  <td width=492 valign=top style='width:368.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>2011</p>
  </td>
  <td width=106 valign=top style='width:79.25pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,997</p>
  </td>
 </tr>
 <tr>
  <td width=492 valign=top style='width:368.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>2012</p>
  </td>
  <td width=106 valign=top style='width:79.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,236</p>
  </td>
 </tr>
 <tr>
  <td width=492 valign=top style='width:368.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>2013</p>
  </td>
  <td width=106 valign=top style='width:79.25pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,187</p>
  </td>
 </tr>
 <tr>
  <td width=492 valign=top style='width:368.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Thereafter</p>
  </td>
  <td width=106 valign=top style='width:79.25pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,168</p>
  </td>
 </tr>
 <tr>
  <td width=492 valign=top style='width:368.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Minimum
  Commitments</b></p>
  </td>
  <td width=106 valign=top style='width:79.25pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp; 159,866</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Rental expense for the
years ended December 31, 2008, 2007, and 2006, was $31,736, $29,614, and $15,197, respectively. The
Company amortizes office lease incentives and rent escalations on a
straight-line basis over the life of the lease.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><a name="OLE_LINK9"><b><i>Note 16 - Legal Proceedings</i></b></a></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company and its subsidiaries are named in and
subject to various proceedings and claims arising primarily from it securities
business activities, including lawsuits, arbitration claims, class actions, and
regulatory matters.&nbsp; Some of these claims seek substantial compensatory,
punitive, or indeterminate damages. The Company and its subsidiaries are also
involved in other reviews, investigations and proceedings by governmental and
self-regulatory organizations regarding its business which may result in
adverse judgments, settlements, fines, penalties, injunctions and other relief.
The Company is contesting the allegations in these claims, and believes that
there are meritorious defenses in each of these lawsuits, arbitrations and regulatory
investigations. In view of the number and diversity of claims against the Company,
the number of jurisdictions in which litigation is pending and the inherent
difficulty of predicting the outcome of litigation and other claims, the
Company cannot state with certainty what the eventual outcome of pending
litigation or other claims will be. In management's opinion, based on currently
available information, review with outside legal counsel, and consideration of
amounts provided for in the accompanying consolidated financial statements with
respect to these matters, the ultimate resolution of these matters will not
have a material adverse impact on the Company's financial position. However, resolution of one or more of these matters may have a
material effect on the results of operations in any future period, depending
upon the ultimate resolution of those matters and depending upon the level of
income for such period.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The regulatory investigations include inquiries from
the SEC, the FINRA and several state regulatory authorities requesting
information concerning the Company's activities with respect to ARS, and
inquiries from the SEC and a state regulatory authority requesting information
relating to the Company's role in investments made by five Southeastern
Wisconsin school districts (the &quot;school districts&quot;) in transactions involving
collateralized debt obligations (&quot;CDOs&quot;). The Company intends to cooperate
fully with the SEC, FINRA and the several states in these investigations.&nbsp;
While it is management's opinion that based upon currently available
information and review with outside counsel that no adverse regulatory action
should be taken against the Company or its subsidiaries in connection with
these investigations, there can be no assurance that regulatory action will not
be taken.</p>

<p class=MsoFooter align=center style='text-align:center'>103</p>

<div class=MsoNormal align=center style='text-align:center'>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Current claims include a civil lawsuit filed in the
United States District Court for the Eastern District of Missouri on August 8,
2008 seeking class action status for investors who purchased and continue to
hold ARS offered for sale between June 11, 2003 and February 13, 2008, the date
when most auctions began to fail and the auction market froze, which alleges
misrepresentation about the investment characteristics of ARS and the auction
markets. The Company believes that based upon currently available information
and review with outside counsel that it has meritorious defenses to this
lawsuit, and intends to vigorously defend all claims asserted therein.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, the Company is named in a civil lawsuit
filed in the Circuit Court of Milwaukee, Wisconsin on September 29, 2008. The
lawsuit has been filed against the Company, Royal Bank of Canada Europe Ltd.
(&quot;RBC&quot;) and certain other RBC entities by the school districts and
the individual trustees for other post-employment benefit (&quot;OPEB&quot;)
trusts established by those school districts (&quot;the
&quot;Plaintiffs&quot;). The suit was removed to the United States District
Court for the Eastern District of Wisconsin on October 31, 2008. The suit
arises out of the purchase of certain CDOs by the OPEB trusts. The RBC entities
structured and served as &quot;arranger&quot; for the CDOs. The Company served
as placement agent/broker in connection with the OPEB trusts purchase of the
investments. The total amount of the investments made by the OPEB trusts was
$200,000. Plaintiffs assert that the school districts contributed $37,500 to
the OPEB trusts to purchase the investments. The balance of $162,500 used to
purchase the investments was borrowed by the OPEB trusts. The recourse of the lender
is the OPEB trust assets and the moral obligation of the school districts. The
legal claims asserted include violation of the Wisconsin Securities Act, fraud
and negligence. The lawsuit seeks equitable relief, unspecified compensatory
damages, treble damages, punitive damages and attorney's fees and costs. The
Plaintiffs claim that the RBC entities and the Company either made
misrepresentations or failed to disclose material facts in connection with the
sale of the CDOs in violation of the Wisconsin Securities Act. The Company believes
the Plaintiffs reviewed and understood the relevant offering materials and that
the investments were suitable based upon, among other things, receipt of a
written acknowledgement of risks from the Plaintiffs. The Company believes that
based upon currently available information and review with outside counsel that
it has meritorious defenses to this lawsuit, and intends to vigorously defend
all of the Plaintiffs' claims.</p>

<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
In connection with ARS, the Company's U.S. broker-dealer subsidiaries have been
subject to ongoing investigations by the SEC and other regulatory authorities,
with which it is cooperating fully as stated above. The Company is also named in
a class action lawsuit similar to that filed against a number of brokerage firms
alleging various securities law violations in connection with the sale of ARS,
which it is vigorously defending.
As of February 20, 2009,
our clients held approximately $243,000 of ARS.</p>

<p class=MsoFooter align=center style='text-align:center'>104</p>

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</p>










<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
Several large banks and brokerage firms, most of which were the primary
underwriters of and supported the auctions for, ARS have announced agreements,
usually as part of a regulatory settlement, to repurchase ARS at par from some
of their clients. Other brokerage firms have entered into similar agreements.
The Company is, in conjunction with other industry participants actively seeking
solutions to ARS'illiquidity, which may include the restructuring and
refinancing of those ARS. Should these issuer redemptions and refinancings
continue, the Company's clients' holdings could be reduced further, however,
there can be no assurance these events will continue. Additionally, on February
11, 2009 the Company announced a voluntary partial repurchase plan for certain
ARS. Under the voluntary plan, and subject to applicable regulatory limitations,
the Company will offer to purchase, at par, the greater of 10% or twenty-five
thousand dollars of ARS held by retail clients who purchased these securities
from the Company prior to the ARS market collapse and who continue to hold them
in retail clients' accounts. In exchange, the Company will take an assignment of
clients' actionable legal claims against the major ARS market participants for
the amounts repurchased. The proposed plan, if fully implemented, would provide
a measure of liquidity to the frozen ARS market, and result in approximately 40%
of its retail clients receiving 100% liquidity for their ARS.
Based on further review of
the voluntary repurchase plan, previously announced on February 11, 2009, the
Company has determined that it may increase the amount of ARS that it will
voluntarily repurchase from certain of its clients who purchased and continue to
hold ARS, depending upon future circumstances. The plan excludes employee
accounts. If the Company were to consider resolving pending claims, inquiries or
investigations by offering to repurchase all or some portion of these ARS at par
from its clients in addition to the ARS repurchased as a result of the announced
voluntary partial repurchase plan as stated above, the Company would be required
to assess whether it had sufficient regulatory capital or borrowing capacity to
do so, and there is no assurance that it would have such capital or capacity. In
addition, while the Company believes it has made adequate provision for loss
related to the buyback of ARS held by retail clients, additional losses may be
incurred related to the resolution of all pending claims, inquiries or
investigations which would adversely affect the Company's results of operations
and financial position.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>NOTE 17</i></b><i> - </i><b><i>Regulatory Capital
Requirements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Broker-dealers may be
prohibited from expanding their business and declaring cash dividends. A
broker-dealer that fails to comply with the Uniform Net Capital Rule may be
subject to disciplinary actions by the SEC and self-regulatory organization,
such as FINRA, including censures, fines, suspension, or expulsion. Stifel
Nicolaus and Butler Wick have chosen to calculate their net capital under the
alternative method which prescribes that their net capital shall not be less
than the greater of $1,000 and $250, respectively, or two percent of aggregate
debit balances (primarily receivables from customers and broker-dealers)
computed in accordance with the SEC's Customer Protection Rule (Rule 15c3-3).
CSA calculates its net capital under the aggregate indebtedness method whereby
its aggregate indebtedness may not be greater than fifteen times its net
capital (as defined). CSA has consistently operated in excess of their capital
adequacy requirements. The only restriction with regard to the payment of cash
dividends by the Company is its ability to obtain cash through dividends and
advances from its subsidiaries, if needed. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008,
Stifel Nicolaus had net capital of $188,828, which was 58.0% of aggregate debit
items and $178,720 in excess of minimum required net capital. CSA had net
capital of $2,054, which was $1,869 in excess of minimum required net capital.
Butler Wick had net capital of $3,006, which was $2,756 in excess of minimum
required net capital.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company's
international subsidiary, SN Ltd is subject to the regulatory supervision and
requirements of the Financial Services Authority (&quot;FSA&quot;) in the United Kingdom. At December 31, 2008, SN Ltd's capital and reserves were $7,281, which was $7,043 in excess of the
financial resources requirement under the rules of the FSA.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company, as a bank
holding company, and Stifel Bank are subject to various regulatory capital
requirements administered by the Federal Reserve Board and the Missouri State
Division of Finance, respectively. Additionally, Stifel Bank is regulated by
the Federal Depository Insurance Corporation (&quot;FDIC&quot;). Failure to meet minimum
capital requirements can initiate certain mandatory, and possibly additional
discretionary, actions by regulators that, if undertaken, could have a direct
material effect on the Company's and Stifel Bank's financial statements. Under
capital adequacy guidelines and the regulatory framework for prompt corrective
action, the Company and Stifel Bank must meet specific capital guidelines that
involve quantitative measures of their assets, liabilities, and certain
off-balance-sheet items as calculated under regulatory accounting practices.
The Company's and Stifel Bank's capital amounts and classification are also
subject to qualitative judgments by the regulators about components, risk
weightings, and other factors.</p>

<p class=MsoFooter align=center style='text-align:center'>105</p>

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</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Quantitative measures
established by regulation to ensure capital adequacy require the Company, as a
bank holding company, and Stifel Bank to maintain minimum amounts and ratios of
total and Tier 1 capital (as defined in the regulations) to risk-weighted
assets (as defined), and Tier 1 capital (as defined) to average assets (as
defined). Management believes, as of December 31, 2008, that the Company and
Stifel Bank meet all capital adequacy requirements to which they are subject
and are considered to be categorized as &quot;well capitalized&quot; under the regulatory
framework for prompt corrective action. To be categorized as &quot;well
capitalized&quot;, the Company and Stifel Bank must maintain total risk-based, Tier
1 risk-based and Tier 1 leverage ratios as set forth in the tables below.</p>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center;
text-indent:.25in'><b>Stifel
Financial Corp.<br>
</b>Federal Reserve Capital
Amounts</p>

<div align="center">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:864px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:43.65pt'>
  <td valign=top style='width:274px;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><i>&nbsp;</i></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:187px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><u><br>
  <br>
  <br>
  </u>Actual</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:9px;border-bottom:1.0pt solid windowtext;
  height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:152px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  <br>
  For Capital Adequacy Purposes</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:9px;border-bottom:1.0pt solid windowtext;
  height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:149px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>To Be Well Capitalized Under Prompt Corrective
  Action Provisions</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:274px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Amount</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:11px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:61px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Ratio</i></b></p>
  </td>
  <td valign=top style='width:9px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:63px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Amount</i></b></p>
  </td>
  <td valign=top style='width:9px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:52px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Ratio</i></b></p>
  </td>
  <td valign=top style='width:9px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Amount</i></b></p>
  </td>
  <td valign=top style='width:9px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:46px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Ratio</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:274px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Total capital to risk-weighted assets</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-top:6.0pt;text-align:left;text-indent:
  0in'>$ 501,743</p>
  </td>
  <td valign=top style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:61px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-top:6.0pt;text-align:left;text-indent:
  0in'> &nbsp;&nbsp;&nbsp;&nbsp; 49.7%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:63px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 80,843</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:52px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>8.0%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 101,054</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:46px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>10.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:274px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Tier 1 capital to risk-weighted assets</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=left style='margin-top:6.0pt;text-align:left;text-indent:
  0in'>$ 499,295</p>
  </td>
  <td valign=top style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:61px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'> 49.4%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:63px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$40,421</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>4.0%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 60,632</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:46px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>6.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:274px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Tier 1 capital to adjusted average total assets</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-top:6.0pt;text-align:left;text-indent:
  0in'>$ 499,295</p>
  </td>
  <td valign=top style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:61px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'> 32.3%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:63px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$61,785</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>4.0%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 77,231</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:46px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>5.0%</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal align="center"><b><i>&nbsp;</i>Stifel Bank &amp; Trust<br>
</b>Federal Reserve Capital
Amounts</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:862px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:43.65pt'>
  <td valign=top style='width:275px;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><i>&nbsp;</i></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:184px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><u><br>
  <br>
  <br>
  </u>Actual</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:9px;border-bottom:1.0pt solid windowtext;
  height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:152px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i><br>
  <br>
  For Capital Adequacy Purposes</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:7px;border-bottom:1.0pt solid windowtext;
  height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:151px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>To Be Well Capitalized Under Prompt Corrective
  Action Provisions</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:275px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Amount</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:12px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:60px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Ratio</i></b></p>
  </td>
  <td valign=top style='width:9px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:63px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Amount</i></b></p>
  </td>
  <td valign=top style='width:9px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:52px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Ratio</i></b></p>
  </td>
  <td valign=top style='width:7px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:68px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Amount</i></b></p>
  </td>
  <td valign=top style='width:10px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:45px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b><i>Ratio</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:275px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Total capital to risk-weighted assets</p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-top:6.0pt;text-align:left;text-indent:
  0in'>$&nbsp;&nbsp; 42,397</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:60px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-top:6.0pt;text-align:left;text-indent:
  0in'> 13.1%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:63px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$25,946</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:52px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>8.0%</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:68px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 32,432</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:45px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>10.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:275px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Tier 1 capital to risk-weighted assets</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-top:6.0pt;text-align:left;text-indent:
  0in'>$&nbsp;&nbsp; 39,949</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'> 12.3%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:63px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 12,973</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>4.0%</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 19,459</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:45px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>6.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:275px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Tier 1 capital to adjusted average total assets</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-top:6.0pt;text-align:left;text-indent:
  0in'>$&nbsp;&nbsp; 39,949</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'> 13.0%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:63px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 12,281</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>4.0%</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:68px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 15,351</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:45px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>5.0%</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 18</i></b><i> - </i><b><i>Employee Benefit Plans</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company has a profit
sharing 401(k) plan (the &quot;401k plan&quot;) covering qualified employees as defined
in the plan. Effective January 1, 2006, contributions to the 401k plan were
based upon a Company match of 50% of the employees' first two thousand dollars
in annual contributions. Additional contributions by the Company are
discretionary. Under the 401k plan, participants can purchase up to 500,000
shares of
the Company's common stock. The amounts charged to &quot;Employee compensation and
benefits&quot; for the 401k plan were $1,871, $2,058, and $1,233 for 2008, 2007, and
2006, respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company has an
employee stock ownership plan (the &quot;ESOP&quot;) covering qualified employees as
defined in the plan. Employer contributions are made to the ESOP as determined
by the Compensation Committee of the Board of Directors of the Company on
behalf of all eligible employees based upon the relationship of individual
compensation (up to a maximum of $225) to total compensation. In 1997, the
Company purchased 496,125 shares for $3,178 and contributed these shares to the
ESOP. The unallocated shares are being released for allocation to the
participants based upon employer contributions to fund an internal loan between
the Company and the ESOP. At December 31, 2008, the plan held 441,423
shares, of which 146,421 shares, with a fair value of $6,713, were unallocated.
The Company
records compensation expense based upon the market value of the Company stock
on the date of payment of the internal loan. The Company charged to &quot;Employee compensation
and benefits&quot; $1,212, $1,089, and $798 for the ESOP contributions for 2008, 2007, and 2006,
respectively. </p>

<p class=MsoFooter align=center style='text-align:center'>106</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 19</i></b><i> - </i><b><i>Stock-Based Compensation
Plans</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company maintains
several incentive stock award plans that provide for the granting of stock
options, stock appreciation rights, restricted stock, performance awards and
stock units to its employees. Awards under the Company's incentive stock award
plans are granted at market value at the date of grant. Options expire ten
years from the date of grant. Unless otherwise discussed below, the awards
generally vest ratably over a three- to eight-year vesting period.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition to the
incentive stock award plans for employees, the Company maintains the Equity
Incentive Plan for Non-Employee Directors, as amended (the &quot;Non-Employee
Directors Plan&quot;), which permits awards of incentive stock options and stock
units to the Company's non-employee directors. Incentive awards granted under
the Non-Employee Directors Plan that are not director fees are exercisable six
months to one year from the date of grant. Director compensation is deferred
through the granting of stock units. These units are 100% vested and are
distributable after five full calendar years. The Company expenses the
non-employee directors' fees on the grant date. The aggregate number of shares
of the Company's stock available for issuance under the Non-Employee Directors Plan
will not exceed 525,000.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On June 22, 2007, the
Company's shareholders approved the Stifel Financial Corp. 2007 Incentive Stock
Plan (for Ryan Beck Employees) (&quot;2007 Incentive Plan&quot;). The 2007 Incentive Plan
permits awards of incentive stock options, stock appreciation rights,
restricted stock, performance awards and stock units to employees of Ryan Beck.
The restricted stock units granted will vest over a three- to seven-year
period. See Note 3 for a discussion of the Company's acquisition of Ryan Beck.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>All stock-based
compensation plans are administered by the Compensation Committee of the Board
of Directors of the Parent, which has the authority to interpret the plans,
determine to whom awards may be granted under the plans, and determine the
terms of each award. According to these plans, the Company is authorized to
grant an additional 5,494,990 shares at December 31, 2008</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stock-based compensation
expense included in &quot;Employee compensation and benefits&quot; in the consolidated
statements of operations for the Company's incentive stock award plans was
$52,594, $54,640 and $34,218 in 2008, 2007 and 2006, respectively. The related
income tax benefit recognized in income was $10,762, $8,358 and $9,419 in 2008,
2007 and 2006, respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Stock Options</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company has
substantially eliminated the use of stock options as a form of compensation.
For the years ended December 31, 2008 and 2007, no options were granted. In
2006, the weighted-average fair value of each option award was estimated on the
date of grant using the Black-Scholes option valuation model that utilized the
following weighted-average assumptions: dividend yield of 0.00%; expected
volatility of 34.7%; risk-free interest rates of 4.71%; and expected lives of
5.37 years. The risk-free rate was based on the U.S. Treasury yield curve in
effect at the time of grant. The expected life (estimated period of time
outstanding) of options granted was estimated using the historical exercise
behavior of employees. The expected volatility was based on historical
volatility for a period equal to the stock option's expected life.</p>

<p class=MsoFooter align=center style='text-align:center'>107</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A summary of the status
of the Company's stock option plans as of December 31, 2008, and changes during
2008 is presented below:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:78.5pt'>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:78.5pt'>
  <p class=MsoNormal><b><i><br>
  <br>
  <br>
  <br>
  <br>
  Options</i></b></p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:78.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i><br>
  <br>
  <br>
  <br>
  <br>
  Shares</i></b></p>
  </td>
  <td width=86 valign=bottom style='width:64.3pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:78.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Weighted <br>
  Average<br>
  Exercise Price</i></b></p>
  </td>
  <td width=97 valign=top style='width:72.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:78.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i><br>
  Weighted Average Remaining Contractual Term (Years)</i></b></p>
  </td>
  <td width=87 valign=bottom style='width:65.15pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:78.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Aggregate Intrinsic Value</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Outstanding
  at beginning of year </p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>1,733,847</p>
  </td>
  <td width=86 valign=top style='width:64.3pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $&nbsp;&nbsp; 7.59</p>
  </td>
  <td width=97 valign=top style='width:72.75pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=87 valign=top style='width:65.15pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Granted</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>--</p>
  </td>
  <td width=86 valign=top style='width:64.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=97 valign=top style='width:72.75pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=87 valign=top style='width:65.15pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Exercised</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>(359,201)</p>
  </td>
  <td width=86 valign=top style='width:64.3pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.15</p>
  </td>
  <td width=97 valign=top style='width:72.75pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=87 valign=top style='width:65.15pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Forfeited</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>(4,647)</p>
  </td>
  <td width=86 valign=top style='width:64.3pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17.35</p>
  </td>
  <td width=97 valign=top style='width:72.75pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=87 valign=top style='width:65.15pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Expired</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>(3,100)</p>
  </td>
  <td width=86 valign=top style='width:64.3pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8.20</p>
  </td>
  <td width=97 valign=top style='width:72.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=87 valign=top style='width:65.15pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Outstanding
  at end of year</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>1,366,899</p>
  </td>
  <td width=86 valign=top style='width:64.3pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.93</p>
  </td>
  <td width=97 valign=top style='width:72.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'>3.36</p>
  </td>
  <td width=87 valign=top style='width:65.15pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;$ 51,826</p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Options
  exercisable at year-end</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>1,282,133</p>
  </td>
  <td width=86 valign=top style='width:64.3pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $&nbsp;&nbsp; 7.00</p>
  </td>
  <td width=97 valign=top style='width:72.75pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3.12</p>
  </td>
  <td width=87 valign=top style='width:65.15pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$ 49,805</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of December 31, 2008,
there was approximately $675 of unrecognized compensation cost related to
non-vested option awards. The cost is expected to be recognized over a weighted
average period of 1.70 years. The weighted average grant date fair value of
stock options granted was $10.41 for 2006. The total intrinsic value of options
exercised was $10,344, $9,147, and $5,119 for 2008, 2007 and 2006 respectively.
The total fair value of options vested during the years ended December 31,
2008, 2007, and 2006 was $4,394, $6,963, and $6,611, respectively. During 2008,
2007, and 2006, cash received from stock option exercises was $2,210, $3,315,
and $1,571, with tax benefits related thereto of $4,078, $3,483, and $2,004,
respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Stock Units</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A stock unit represents
the right to receive a share of common stock from the Company at a designated
time in the future without cash payment by the employee and is issued in lieu
of cash incentive, principally for deferred compensation and employee retention
plans. At December 31, 2008, the total number of stock units outstanding was 6,065,906.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A summary of the status
of the Company's nonvested stock units as of December 31, 2008 and changes during the
year is presented below:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:47.0pt'>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt;
  height:47.0pt'>
  <p class=MsoNormal><i><br>
  <br>
  <br>
  <b>Stock Units</b></i></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:47.0pt'>
  <p class=MsoNormal><b><i><br>
  <br>
  <br>
  Shares</i></b></p>
  </td>
  <td width=96 valign=bottom style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:47.0pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Weighted Average
  Grant-Date Fair Value</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Nonvested
  at beginning of year </p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>4,409,003</p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Granted</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>2,053,673</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $ 32.77</p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Converted</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>(1,763,274)</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Cancelled</p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>(201,362)</p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Nonvested
  at end of year</p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>4,427,974</p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>&nbsp;</p>

<p class=MsoFooter align=center style='text-align:center'>108</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><i>Deferred Compensation
Plans</i></p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company's Deferred Compensation
Plan (the &quot;Plan&quot;) is provided to certain revenue producers, officers, and key
administrative employees, whereby a certain percentage of their incentive
compensation is deferred as defined by the Plan into Company stock units with a
25% matching contribution by the Company. Participants may elect to defer up to
an additional 15% of their incentive compensation with a 25% matching
contribution by the Company. Units generally vest over a three- to five-year
period and are distributable upon vesting or at future specified dates.
Deferred compensation costs are amortized on a straight-line basis over the
vesting period. Elective deferrals are 100% vested. The Company charged $35,097,
$27,445, and $26,214 to employee compensation and benefits for 2008, 2007, and
2006, respectively relating to units granted under this Plan. As of December
31, 2008, there were 2,177,221 units outstanding under the Plan.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, Stifel
Nicolaus maintains a deferred compensation plan for its financial advisors who
achieve certain levels of production, whereby a certain percentage of their
earnings are deferred as defined by the plan, of which 50% is deferred into
Company stock units with a 25% matching contribution and 50% earns a return
based on optional investments chosen by financial advisors. Financial advisors
may elect to defer an additional 1% of earnings into Company stock units with a
25% matching contribution. Financial advisors may choose to base their return
on the performance of an index mutual fund as designated by the Company or a
fixed income option. Financial advisors have no ownership in the mutual funds.
Included on the consolidated statements of financial condition under the
caption &quot;Investments&quot; are
$23,082 and $7,603
at December 31, 2008 and 2007, respectively, in mutual funds that were
purchased by the Company to economically hedge, on an after-tax basis, its
liability to the financial advisors that choose to base the performance of
their return on the index mutual fund option. At December 31, 2008 and 2007, the
deferred compensation liability of $19,580 and $784, respectively, is included
in <a name="OLE_LINK19">&quot;</a>Accrued employee
compensation&quot; on the consolidated statements of financial condition.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, certain
financial advisors, upon joining the Company, may receive Company stock units
in lieu of transition cash payments. Deferred compensation related to this plan
cliff vests over a five-year period. Deferred compensation costs are amortized
on a straight-line basis over the five year deferral period. Charges to &quot;Employee compensation
and benefits&quot; related to these plans were $11,692, $7,565, and $7,506 for 2008,
2007, and 2006, respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On June 22, 2007, the
Company issued 420,372 restricted stock units at a price of $39.73 per share in
exchange for Ryan Beck appreciation unit held by Ryan Beck employees under the
Ryan Beck deferred compensation plans which upon the plan amendment noted
below.</p>

<p class=Notes style='margin-top:6.0pt'>On June
29, 2007, Ryan Beck modified the service requirements for its deferred
compensation plans to provide for accelerated vesting for participants that had
completed one year of service for Ryan Beck. As a result of the vesting the
Company charged $20,568 to &quot;Employee compensation and benefits,&quot; of which
$16,653 was reclassified from deferred compensation liablitity to &quot;Additional
paid-in capital&quot; in 2007. At December 31, 2008, there were 891,878 units
outstanding under the 2007 Incentive Stock Plan. As a result of the Plan
amendment noted above, the Ryan Beck deferred compensation plans were frozen
and no future deferrals will be made to the plans. Under the terms of the plans
the liabilities are not required to be funded. The value of the deferred
compensation obligation is adjusted to reflect the performance of selected
measurement options chosen by each participant. At December 31, 2007 the Ryan Beck deferred compensation liability of
$34,461 is included under the caption &quot;Accrued employee compensation,&quot; and the investments of
$23,157, which economically hedge the deferred compensation liability on an
after-tax basis, is included under the caption &quot;Investments&quot; in the consolidated
statements of financial condition.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 20</i></b><i> - <b>Off-Balance Sheet Credit Risk</b></i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the normal course of
business, the Company executes, settles, and finances customer and proprietary
securities transactions. These activities expose the Company to off-balance
sheet risk in the event that customers or other parties fail to satisfy their
obligations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In accordance with
industry practice, securities transactions generally settle within three business
days after trade date. Should a customer or broker fail to deliver cash or
securities as agreed, the Company may be required to purchase or sell
securities at unfavorable market prices.</p>

<p class=MsoFooter align=center style='text-align:center'>109</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company borrows and
lends securities to finance transactions and facilitate the settlement process,
utilizing customer margin securities held as collateral. The Company monitors
the adequacy of collateral levels on a daily basis. The Company periodically
borrows from banks on a collateralized basis utilizing firm and customer margin
securities in compliance with SEC rules. Should the counterparty fail to return
customer securities pledged, the Company is subject to the risk of acquiring
the securities at prevailing market prices in order to satisfy its customer obligations.
The Company controls its exposure to credit risk by continually monitoring its
counterparties' positions, and, where deemed necessary, the Company may require
a deposit of additional collateral and/or a reduction or diversification of
positions. The Company sells securities it does not currently own (short sales)
and is obligated to subsequently purchase such securities at prevailing market
prices. The Company is exposed to risk of loss if securities prices increase
prior to closing the transactions. The Company controls its exposure to price
risk for short sales through daily review and setting position and trading
limits. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company manages its
risks associated with the aforementioned transactions through position and
credit limits, and the continuous monitoring of collateral. Additional
collateral is required from customers and other counterparties when
appropriate.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>The
Company has accepted collateral in connection with resale agreements,
securities borrowed transactions, and customer margin loans. Under many
agreements, the Company is permitted to sell or repledge these securities held
as collateral and use these securities to enter into securities lending
arrangements or to deliver to counterparties to cover short positions. At
December 31, 2008, the fair value of securities accepted as collateral where
the Company is permitted to sell or repledge the securities was $432,751, and
the fair value of the collateral that had been sold or repledged was $123,415.
At December 31, 2007, the fair value of securities accepted as collateral where
the Company is permitted to sell or repledge the securities was $718,729, and
the fair value of the collateral that had been sold or repledged was $262,826.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the ordinary course
of business, Stifel Bank has commitments to originate loans, standby letters of
credit and lines of credit. Commitments to originate loans are agreements to
lend to a customer as long as there is no violation of any condition
established by the contract. These commitments generally have fixed expiration
dates or other termination clauses and may require payment of a fee. Since a
portion of the commitments may expire without being drawn upon, the total
commitment amounts do not necessarily represent future cash commitments. Each
customer's creditworthiness is evaluated on a case-by-case basis. The amount of
collateral obtained, if necessary, is based on the credit evaluation of the
counterparty. Collateral held varies, but may include accounts receivable,
inventory, property, plant and equipment, commercial real estate and
residential real estate. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At December 31, 2008 and
2007, Stifel Bank had outstanding commitments to originate loans aggregating $86,327
and $4,236, respectively. The commitments extended over varying periods of time
with all commitments at December 31, 2008 scheduled to be disbursed in the
following two months. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Standby letters of
credit are irrevocable conditional commitments issued by Stifel Bank to
guarantee the performance of a customer to a third-party. Financial standby
letters of credit are primarily issued to support public and private borrowing
arrangements, including commercial paper, bond financing and similar
transactions. Performance standby letters of credit are issued to guarantee
performance of certain customers under non-financial contractual obligations.
The credit risk involved in issuing standby letters of credit is essentially
the same as that involved in extending loans to customers. Should Stifel Bank
be obligated to perform under the standby letters of credit, it may seek
recourse from the customer for reimbursement of amounts paid. At December 31,
2008 and 2007, Stifel Bank had outstanding letters of credit totaling $414 and
$344, respectively. For all but one of the standby letters of credit commitments
at December 31, 2008, the expiration terms range from one month to one year.
The remaining commitment, in the amount of $10, has an expiration term of
April, 2013. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Lines of credit are
agreements to lend to a customer as long as there is no violation of any
condition established in the contract. Lines of credit generally have fixed
expiration dates. Since a portion of the line may expire without being drawn
upon, the total unused lines do not necessarily represent future cash
requirements. Each customer's creditworthiness is evaluated on a case-by-case
basis. The amount of collateral obtained, if necessary, is based on the credit
evaluation of the counterparty. Collateral held varies but may include accounts
receivable, inventory, property, plant and equipment, commercial real estate
and residential real estate. Stifel Bank uses the same credit policies in
granting lines of credit as it does for on-balance sheet instruments. At December
31, 2008 and 2007, Stifel Bank had granted unused lines of credit to commercial
and consumer borrowers aggregating $18,153 and $19,437, respectively. </p>

<p class=MsoFooter align=center style='text-align:center'>110</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 21</i></b><i> - <b>Investments in Qualified Missouri Businesses</b></i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company formed two
Limited Liability Corporations, (referred to collectively as the &quot;LLC&quot;) to be
certified capital companies under the statutes of the State of Missouri, which
provide venture capital for qualified Missouri businesses, as defined. The LLC
issued $4,600 non-interest bearing notes due May 15, 2008, $10,600 non-interest
bearing notes due February 15, 2009, $8,417 non-interest bearing notes due
February 15, 2010, and $981 non-interest bearing participating debentures due
December 31, 2010, which are included in the Company's consolidated statements of
financial condition under the caption &quot;Other&quot; liabilities. Proceeds
from the notes are first invested in zero coupon U.S. Government securities in
an amount sufficient to accrete to the repayment amount of the notes and are
placed in an irrevocable trust. These securities, carried at accreted cost of $18,338 and
$21,772 at December 31, 2008 and 2007, respectively, are held to maturity and
are included under the caption &quot;Investments.&quot; The fair value of the securities
is $18,984 and $22,696 at December 31, 2008 and 2007, respectively. The
remaining proceeds from the issuance of notes were invested in qualified Missouri businesses.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The LLC invests in
qualified Missouri businesses in the form of debt, preferred, and/or common
equity. These securities, valued at approximately $616 and $1,962 at December 31, 2008
and 2007, respectively, are included under the caption &quot;Investments.&quot; Due to
the structure of the LLC and under the statutes of the State of Missouri, the Company participates in a portion of the appreciation of these investments.
Management monitors these investments on a continuous basis.</p>

<p class=MsoNormal style='margin-top:6.0pt'><a
name="OLE_LINK13"><b><i>NOTE
22</i></b></a><i>
- <b>Income Taxes</b></i></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>The provision (benefit) for income taxes consists of the
following:</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;</p>
  </td>
  <td width=256 colspan=3 valign=top style='width:191.7pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Years Ended December
  31,</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;</p>
  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2008</i></b></p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2007</i></b></p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Current:</b></p>
  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>Federal</p>
  </td>
  <td width=88 valign=top style='width:65.7pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp; 35,400</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp; 29,101</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp; 7,904</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt'>State</p>
  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,525</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,864</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,686</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 42,925</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34,965</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,590</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Deferred:</b></p>
  </td>
  <td width=88 valign=top style='width:65.7pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt'>Federal</p>
  </td>
  <td width=88 valign=top style='width:65.7pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (5,491)</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (11,060)</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,111</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>State</p>
  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,167)</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2,229)</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 237</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6,658)</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; (13,289)</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,348</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=88 valign=top style='width:65.7pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp; 36,267</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp; 21,676</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp; 10,938</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The provision for income taxes differs
from the amount computed by applying the statutory federal income tax rate to
income before income taxes due to the following:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;</p>
  </td>
  <td width=258 colspan=3 valign=top style='width:193.5pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Years Ended December
  31,</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2008</i></b></p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2007</i></b></p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Provision
  computed at statutory rates</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp; 32,119</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> $&nbsp; 18,846</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal> $&nbsp;&nbsp;&nbsp; 9,229</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>State income taxes,
  net of federal<br>
  income tax benefit</p>
  </td>
  <td width=90 valign=bottom style='width:67.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,318</p>
  </td>
  <td width=84 valign=bottom style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,125</p>
  </td>
  <td width=84 valign=bottom style='width:63.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,247</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Other,
  net</p>
  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (170)</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 705</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 462</p>
  </td>
 </tr>
 <tr>
  <td width=406 valign=top style='width:304.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp; 36,267</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal> $&nbsp; 21,676</p>
  </td>
  <td width=84 valign=top style='width:63.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal> $&nbsp; 10,938</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The effective tax rates
for the years ended December 31, 2008, 2007, and 2006 were 39.4%, 40.3%, and 41.5%, respectively. </p>

<p class=MsoFooter align=center style='text-align:center'>111</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>The net deferred tax asset consists of the following temporary
differences:</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=113 valign=top style='width:85.1pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Deferred
  tax assets:</b></p>
  </td>
  <td width=113 valign=top style='width:85.1pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal></p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Deferred
  compensation</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,192</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,102</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Accruals
  not currently deductible</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,757</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,425</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  operating losses</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,265</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,141</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Receivable
  reserves</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,811</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,881</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.3in'>Office equipment and
  leasehold improvements</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 264</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,535</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Unrealized
  loss</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,946</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Other</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,239</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:11.4pt'>Gross deferred tax assets</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,235</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 48,323</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:11.4pt'>Less valuation allowance</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (545)</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=113 valign=top style='width:85.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,235</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47,778</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Deferred
  tax liabilities:</b></p>
  </td>
  <td width=113 valign=bottom style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Goodwill
  and other intangibles</p>
  </td>
  <td width=113 valign=bottom style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6,171)</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (6,125)</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Unrealized
  appreciation</p>
  </td>
  <td width=113 valign=bottom style='width:85.1pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3,059)</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Prepaid
  expenses</p>
  </td>
  <td width=113 valign=bottom style='width:85.1pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,727)</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,962)</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=113 valign=top style='width:85.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (7,898)</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (11,146)</p>
  </td>
 </tr>
 <tr>
  <td width=331 valign=top style='width:248.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:11.35pt'>Net deferred tax assets</p>
  </td>
  <td width=113 valign=top style='width:85.1pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 47,337</p>
  </td>
  <td width=113 valign=top style='width:85.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,632</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company had
established a deferred tax asset of $1,400 related to state net operating loss
carry forwards of approximately $19,631 in 2007. These operating loss carry
forwards expire in each of the jurisdictions where they had arisen between 2011
and 2027. A valuation allowance of $545 was established in 2007 for the carry forwards
that will not likely be utilized. In 2008, it was determined that such a
valuation allowance was more properly recorded as a reduction to the deferred
tax asset. The tax asset for such net operating losses as of December 31, 2008
is valued at $1,063. No other valuation allowances were established since it is
more likely than not the deferred tax asset will be utilized.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>A reconciliation of the beginning and
ending balances of the total amounts of gross unrecognized tax benefits for the
years ended December 31, 2008 and 2007 is as follows:</p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=101 valign=top style='width:1.05in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2008</i></b></p>
  </td>
  <td width=103 valign=top style='width:77.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>2007</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Gross unrecognized tax benefits at January 1</p>
  </td>
  <td width=101 valign=top style='width:1.05in;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,869</p>
  </td>
  <td width=103 valign=top style='width:77.4pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,998</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in;text-align:justify'>Increases for tax
  positions related to prior years</p>
  </td>
  <td width=101 valign=top style='width:1.05in;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 109</p>
  </td>
  <td width=103 valign=top style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 162</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in;text-align:justify'>Decreases for tax
  positions related to prior years</p>
  </td>
  <td width=101 valign=top style='width:1.05in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (530)</p>
  </td>
  <td width=103 valign=top style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (266)</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in;text-align:justify'>Increases for tax
  positions related to current year</p>
  </td>
  <td width=101 valign=top style='width:1.05in;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 254</p>
  </td>
  <td width=103 valign=top style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 151</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in;text-align:justify'>Decrease related to settlements</p>
  </td>
  <td width=101 valign=top style='width:1.05in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (572)</p>
  </td>
  <td width=103 valign=top style='width:77.4pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (17)</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in;text-align:justify'>Reduction due to lapsed
  statute of limitations</p>
  </td>
  <td width=101 valign=top style='width:1.05in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (115)</p>
  </td>
  <td width=103 valign=top style='width:77.4pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (159)</p>
  </td>
 </tr>
 <tr>
  <td width=454 valign=top style='width:340.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Gross unrecognized tax benefits at December 31</p>
  </td>
  <td width=101 valign=top style='width:1.05in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,015</p>
  </td>
  <td width=103 valign=top style='width:77.4pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,869</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company's total
unrecognized tax benefits that, if recognized, would affect the effective tax
rate were $2,015 and $2,106 as of December 31, 2008 and 2007, respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company accrues
interest and penalties related to unrecognized tax benefits in its provision
for income taxes. The Company had accrued interest related to unrecognized tax
benefit of $320 and $524 at December 31, 2008 and 2007, respectively, and
accrued penalties related to unrecognized tax benefits of $329 and $127 at
December 31, 2008 and 2007, respectively. The amount of interest and penalties
recognized in the consolidated statements of operations for years ended
December 31, 2008 and 2007 was not material. The Company's gross unrecognized
tax benefits were reduced by $854 during 2008, principally due to the
finalization of the Internal Revenue Service examination of the Company's
income tax returns for calendar year 2005, the expiration of the 2004 tax year
for U.S. purposes, and the settlement of non-U.S. tax liabilities. The Company
does not expect gross unrecognized tax benefits to change significantly during
the next twelve months.</p>

<p class=MsoFooter align=center style='text-align:center'>112</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company files income
tax returns in the U.S. federal jurisdiction and various states, and foreign
jurisdictions with varying statutes of limitation. For the U.S. and most state and foreign jurisdictions, the years 2005 through 2008 remain subject to
examination by their respective authorities. The Company is subject to
examination by state tax jurisdictions. It is possible that these examinations
will be resolved in the next twelve months. The Company does not anticipate
that payments made during the next twelve month period for these examinations
will be material, nor does the Company expect that the reduction to
unrecognized tax benefits as a result of a lapse of applicable statue of
limitations will be significant. The Company's foreign jurisdictions are
generally fully taxable by the United States.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>NOTE 23 - Segment Reporting</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>SFAS No. 131,
&quot;Disclosures about Segments of an Enterprise and Related Information&quot;, establishes
standards for reporting information about operating segments. Operating
segments are defined as components of an enterprise about which separate
financial information is available that is evaluated regularly by the chief
operating decision maker, or decision making group, in deciding how to allocate
resources and in assessing performance.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company currently
operates through the following five business segments: Private Client Group; Equity
Capital Markets; Fixed Income Capital Markets; Stifel Bank; and various
corporate activities combined in the Other segment. The business segments are
based upon factors such as the services provided and the distribution channels
served and are consistent with how the Company assesses performance and
determines how to allocate resources throughout the Company and its
subsidiaries. The allocation of resources is based on various factors,
including prospects for growth, return on investment, and return on revenues. The
financial results of the Company's segments are presented using the same
policies as those described in Note 1, &quot;Summary of Significant Accounting and
Reporting Policies.&quot; Segment data includes charges allocating corporate
overhead and benefits to each segment. Intersegment revenues, charges, receivables
and payables are eliminated between segments upon consolidation.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Private Client Group
segment includes branch offices and independent contractor offices of the
Company's broker-dealer subsidiaries located throughout the U.S., primarily in the Midwest and Mid-Atlantic regions with a growing presence in the Northeast,
Southeast and Western United States. These branches provide securities
brokerage services, including the sale of equities, mutual funds, fixed income
products, and insurance, as well as offering Stifel Bank banking products to
their private clients.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Equity Capital
Markets segment includes corporate finance management and participation in
underwritings (exclusive of sales credits, which are included in the Private
Client Group segment), mergers and acquisitions, institutional sales, trading,
research, and market making.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Fixed Income Capital
Markets segment includes public finance, institutional sales and competitive
underwriting, and trading.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Stifel Bank segment
includes the results of operations beginning prospectively from the date of
acquisition on April 2, 2007 and includes residential, consumer, and commercial
lending activities, as well as FDIC-insured deposit accounts to customers of
the Company's broker-dealer subsidiaries and to the general public.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Other segment
includes certain corporate activities of the Company.</p>

<p class=MsoFooter align=center style='text-align:center'>113</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>Information concerning operations in these segments of
business is as follows:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=323 colspan=3 valign=top style='width:242.1pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td width=113 valign=top style='width:84.6pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoHeading8 style='margin-left:0in'><b>Net Revenues: <sup>(1)</sup></b></p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=113 valign=top style='width:84.6pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Private Client Group</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 461,431</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 435,711</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 231,364</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Equity Capital Markets</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 215,546</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 238,064</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 150,038</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Fixed Income Capital Markets</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 175,180</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 64,867</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,570</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Stifel Bank <sup>(2)</sup></p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,574</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,800</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,606</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,623</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,835</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 870,337</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 763,065</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 451,807</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoHeading8 style='margin-left:1.8pt'><b>Income Before Income
  Taxes:</b></p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=113 valign=top style='width:84.6pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Private Client Group</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 97,478</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 95,353</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,218</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Equity Capital Markets</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 29,457</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 52,658</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,959</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Fixed Income Capital Markets</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 62,435</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,191</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,620</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Stifel Bank <sup>(2)</sup></p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 619</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 990</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other/Unallocated Overhead</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (98,220)</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (103,346)</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (66,428)</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 91,769</p>
  </td>
  <td width=102 valign=top style='width:76.5pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,846</p>
  </td>
  <td width=113 valign=top style='width:84.6pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,369</p>
  </td>
 </tr>
</table>



</div>
<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=321 colspan=3 valign=top style='width:240.85pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=107 valign=top style='width:80.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.15pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td width=112 valign=top style='width:84.2pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoHeading8 style='margin-left:0in'><b>Net Interest Income
  (Expense):</b></p>
  </td>
  <td width=107 valign=top style='width:80.5pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.15pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=112 valign=top style='width:84.2pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Private Client Group</p>
  </td>
  <td width=107 valign=top style='width:80.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,565</p>
  </td>
  <td width=102 valign=top style='width:76.15pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,108</p>
  </td>
  <td width=112 valign=top style='width:84.2pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,638</p>
  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Equity Capital Markets</p>
  </td>
  <td width=107 valign=top style='width:80.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (42)</p>
  </td>
  <td width=102 valign=top style='width:76.15pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 71</p>
  </td>
  <td width=112 valign=top style='width:84.2pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 393</p>
  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Fixed Income Capital Markets</p>
  </td>
  <td width=107 valign=top style='width:80.5pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,879</p>
  </td>
  <td width=102 valign=top style='width:76.15pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (956)</p>
  </td>
  <td width=112 valign=top style='width:84.2pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (580)</p>
  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Stifel Bank <sup>(2)</sup></p>
  </td>
  <td width=107 valign=top style='width:80.5pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,932</p>
  </td>
  <td width=102 valign=top style='width:76.15pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,002</p>
  </td>
  <td width=112 valign=top style='width:84.2pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; -
  -</p>
  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td width=107 valign=top style='width:80.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,304</p>
  </td>
  <td width=102 valign=top style='width:76.15pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,821</p>
  </td>
  <td width=112 valign=top style='width:84.2pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,772</p>
  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=107 valign=top style='width:80.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,638</p>
  </td>
  <td width=102 valign=top style='width:76.15pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 29,046</p>
  </td>
  <td width=112 valign=top style='width:84.2pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,223</p>
  </td>
 </tr>
 <tr>
  <td width=332 valign=top style='width:248.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=107 valign=top style='width:80.5pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.15pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=112 valign=top style='width:84.2pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-left:27.0pt;text-align:justify;text-indent:
-.25in'><sup>(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>No individual client
accounted for more than 10 percent of total revenues in fiscal year 2008, 2007
or 2006.<sup><br>
(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>Thee Stifel Bank segment
was added beginning April 2, 2007 with the Company' acquisition of First
Service.</p>

<p class=MsoFooter align=center style='text-align:center'>114</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:27.0pt;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'>The following table
presents the Company's total assets on a segment basis:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td style='border:none;padding:0in 0in 0in 0in' width=228 colspan=2><p class='MsoNormal'>&nbsp;</td>
 </tr>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=117 valign=top style='width:87.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td width=111 valign=top style='width:83.05pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoHeading8 style='margin-left:0in'><b>Total Assets:</b></p>
  </td>
  <td width=117 valign=top style='width:87.75pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=111 valign=top style='width:83.05pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Private Client Group</p>
  </td>
  <td width=117 valign=top style='width:87.75pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 625,854</p>
  </td>
  <td width=111 valign=top style='width:83.05pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 800,832</p>
  </td>
 </tr>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Equity Capital Markets</p>
  </td>
  <td width=117 valign=top style='width:87.75pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 68,192</p>
  </td>
  <td width=111 valign=top style='width:83.05pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 76,496</p>
  </td>
 </tr>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Fixed Income Capital Markets</p>
  </td>
  <td width=117 valign=top style='width:87.75pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 174,938</p>
  </td>
  <td width=111 valign=top style='width:83.05pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 233,356</p>
  </td>
 </tr>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Stifel Bank</p>
  </td>
  <td width=117 valign=top style='width:87.75pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 333,784</p>
  </td>
  <td width=111 valign=top style='width:83.05pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 248,535</p>
  </td>
 </tr>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td width=117 valign=top style='width:87.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 355,377</p>
  </td>
  <td width=111 valign=top style='width:83.05pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 140,221</p>
  </td>
 </tr>
 <tr>
  <td width=396 valign=top style='width:297.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=117 valign=top style='width:87.75pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp; 1,558,145</p>
  </td>
  <td width=111 valign=top style='width:83.05pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,499,440</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The Company has
operations in the United States, United Kingdom and Europe. Our foreign
operations are conducted through our wholly-owned subsidiary, SN Ltd.
Substantially all long-lived assets are located in the United States. The percentage of total assets associated with foreign activities is 5.8%.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>Revenues, classified by
the major geographic areas in which they are earned, were as follows:</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=324 colspan=3 valign=top style='width:243.0pt;border:none;
  border-bottom:solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b><i>Year Ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.25pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td width=114 valign=top style='width:85.75pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoHeading8 style='margin-left:1.8pt'><b>Net Revenues:</b></p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=102 valign=top style='width:76.25pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=114 valign=top style='width:85.75pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>United States</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 837,152</p>
  </td>
  <td width=102 valign=top style='width:76.25pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 734,686</p>
  </td>
  <td width=114 valign=top style='width:85.75pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 435,894</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>United Kingdom</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,610</p>
  </td>
  <td width=102 valign=top style='width:76.25pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,348</p>
  </td>
  <td width=114 valign=top style='width:85.75pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,602</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other European</p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,575</p>
  </td>
  <td width=102 valign=top style='width:76.25pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,031</p>
  </td>
  <td width=114 valign=top style='width:85.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,311</p>
  </td>
 </tr>
 <tr>
  <td width=340 valign=top style='width:254.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=108 valign=top style='width:81.0pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 870,337</p>
  </td>
  <td width=102 valign=top style='width:76.25pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp; 763,065</p>
  </td>
  <td width=114 valign=top style='width:85.75pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 451,807</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoFooter align=center style='text-align:center'>115</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal><b><i>NOTE
24</i></b><i>
<b>- Earnings per Share</b></i></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents a
calculation of basic and diluted earnings per share:</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:727px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.6pt'>
  <td width=386 colspan=2 valign=top style='width:289.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.6pt'>
  <p class=MsoFootnoteText style='line-height:18.0pt'><i>&nbsp;</i></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:347px;border-bottom:1.0pt solid windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center;line-height:18.0pt'><b><i>Year ended</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=2 valign=top style='width:106px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2008</i></b></p>
  </td>
  <td valign=top style='width:108px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2007</i></b></p>
  </td>
  <td valign=top style='width:111px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>December 31, 2006</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:1.8pt'>Net Income</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,502</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,170</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,431</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=2 valign=top style='width:106px;border:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:111px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-9.0pt'>Weighted average
  common shares<br>
  outstanding during the period*</p>
  </td>
  <td colspan=2 valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,069</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,754</p>
  </td>
  <td valign=top style='width:111px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,270</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in;text-indent:-9.0pt'>Dilutive effect of
  stock options <sup>(1)</sup>*</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,004</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,969</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,593</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-9.0pt'>Weighted average
  dilutive common shares <sup>(1)</sup>*</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,073</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,723</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,863</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=2 valign=top style='width:106px;border:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:111px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  income per share - basic*</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-right:5.5pt'>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.31</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.48</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-right:5.5pt'>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.89</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=2 valign=top style='width:106px;border:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:111px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  income per share - diluted <sup>(1)</sup>*</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-right:5.5pt'>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.98</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.25</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-right:4.5pt'>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='width:106px;border:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:111px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:350px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-9.0pt'>Securities excluded
  from weighted average<br>
  diluted common shares because their effect<br>
  would be antidilutive*</p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><a name="OLE_LINK15"><br>
  </a><br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  <br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:111px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><br>
  <br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr height=0>
  <td width=364 style='border:none'></td>
  <td width=21 style='border:none'></td>
  <td width=100 style='border:none'></td>
  <td width=122 style='border:none'></td>
  <td width=125 style='border:none'></td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2007 and 2006 amounts have been adjusted
for the June 12, 2008 three-for-two stock split.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:22.5pt;margin-bottom:.0001pt;text-indent:-22.5pt'><sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp; Diluted earnings
per share is computed on the basis of the weighted average number of shares of
common stock plus the effect of dilutive potential common shares outstanding
during the period using the treasury method. Diluted earnings per share include stock
options and units.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 25</b> <b>- <i>Stockholders' Equity</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On May 5, 2005, the
Company's board of directors authorized the repurchase of up to 3,000,000
additional shares in addition to an existing authorization of 1,500,000 shares.
These purchases may be made on the open market or in privately negotiated
transactions, depending upon market conditions and other factors. Repurchased
shares may be used to meet obligations under the Company's employee benefit
plans and for general corporate purposes.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Company repurchased
567,953, 132,912, and 550,956 shares for the years ending December 31, 2008,
2007, and 2006, respectively, using existing board authorizations, at average
prices of $27.96, $32.93, and $21.51 per share, respectively, to meet
obligations under the Company's employee benefit plans and for general corporate
purposes. To satisfy the withholding obligations for the conversion of the
Company's stock units, the Company withheld 237,400 shares in 2006. The Company
reissued 581,833, 119,032, and 794,830 shares for the years ended December 31,
2008, 2007, and 2006, respectively, for employee benefit plans. In 2008, 2007
and 2006, the Company issued 2,980,259, 5,281,770 and 2,593,687 new shares,
respectively, for employee benefit plans. Under existing board authorizations
at December 31, 2008, the Company is permitted to buy an additional 2,010,831
shares.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>On January 23, 2006, the
Company completed a private placement of 1,578,330 shares of its common stock
at $16.67 per share. The shares were purchased by key associates of the LM
Capital Markets business. The Company was required to charge to compensation
the difference of $16.67 per share and the grant date fair value, as determined
in accordance with SFAS 123R, of $22.85 per share. As a result, the Company
incurred a compensation charge of $9,751 in January 2006. </p>

<p class=MsoFooter align=center style='text-align:center'>116</p>

<div class=MsoNormal align=center style='text-align:center'>

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</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As partial consideration
of the purchase price of Ryan Beck, the Company issued 3,701,400 shares of
Company common stock valued at $27.70 per share and issued five-year
immediately exercisable warrants, upon obtaining shareholder approval on June
22, 2007, to purchase up to 750,000 shares of Company common stock at an
exercise price of $24.00 per share. Additionally, on June 22, 2007, the Company
obtained shareholder approval (1) for the issuance of up to 1,500,000
additional shares of common stock for the payment of earn-out consideration
relating to the Company's acquisition of Ryan Beck in the event the Company
elects to make the contingent earn-out payments in shares of common stock and
(2) adopting the Stifel Financial Corp. 2007 Incentive Stock Plan which
provides for the issuance of up to 1,800,000 additional shares to provide
incentive equity compensation to certain employees of Ryan Beck.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The warrants were initially determined to be a
liability recorded at fair value of $16,440 as of the date of closing. Upon
obtaining shareholder approval, the fair value of the warrants at that date of
$16,895 was reclassified to the stockholder's equity section on the Company's
consolidated statements of financial condition. See further discussion of the
Ryan Beck acquisition in Note 3 and further discussion of the warrants at Note
1.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>On
June 22, 2007, the Company issued 420,372 restricted stock units under the
Stifel Financial Corp. 2007 Incentive Stock Plan (for Ryan Beck Employees) in
exchange for Ryan Beck appreciation units held by Ryan Beck employees under
Ryan Beck's deferred compensation plans. The value of the restricted stock
units issued was $39.73 per share which was the price as of the date on which
stockholder approval for the Plan was obtained. On June 29, 2007, the Ryan Beck
deferred compensation plans were amended, resulting in the acceleration of
vesting for the liability awards for certain Ryan Beck employees and the
reclassification of $16,673 from liabilities to additional paid-in capital. See
additional discussion at Note 19. Additionally, on June 22, 2007 the Company
issued 591,269 restricted stock units valued at $23,493 using the closing stock
price on that date as part of the retention program established for certain
associates of Ryan Beck.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On January 14, 2008, the
Company repurchased 375,000 shares of its outstanding common stock from
BankAtlantic Bancorp, Inc. in a privately negotiated transaction. The shares
were purchased by the Company at $28.23 per share, the closing price on Friday,
January 11, 2008. These shares had been initially acquired by BankAtlantic
Bancorp, Inc. on February 28, 2007 pursuant to the acquisition of Ryan Beck by
the Company. The repurchase transaction was effected pursuant to a previously
announced authorization by the Company's Board of Directors to acquire shares
of common stock to meet obligations under the Company's employee benefit plans
and for general corporate purposes. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>During
the second quarter of 2008, the Company elected to pay the contingent earn-out
for the Ryan Beck first year investment banking of $1,790 in 57,059 shares of
Company common stock valued at $31.35 per share, with partial shares paid in
cash. On August 14, 2008, the Company agreed to prepay $9,585 of BankAtantic's
pro-rata share of the estimated private client contingent earn-out payment in
exchange for a $10,000 permanent reduction of BankAtlantic's pro-rata share of
the private client contingent payment. The Company elected to make such
pre-payment using 233,500 shares of Company common stock at an agreed upon per
share price of $41.05 per share. In the event that BankAtlantic's pro-rata
portion of the private client contingent payment is less than $10,000,
BankAtlantic has agreed to reimburse the shortfall. See further information
regarding the contingent earn-out payments in Note 3. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'><a name="OLE_LINK22">On September 29, 2008,
the Company completed the public offering of 1,495,000 new shares of Company
common stock at an offering price of $45.00 per share. </a>The net proceeds to the
Company after consideration of the underwriters discount and before any
expenses were $64,369. The Company intends to use the net proceeds from this
offering for general corporate purposes, which may include the Company's
working capital needs and investments in the Company's subsidiaries to support
the continued growth of the Company or selective opportunistic acquisitions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On November 4, 2008, the
Company issued 142,196 shares of Company common stock in exchange for $12,500
par value of 6.78% Cumulative Trust Preferred Securities. The Cumulative Trust
Preferred Securities were originally offered and sold in a $35,000 private
placement by Stifel Financial Capital Trust IV, a non-consolidated wholly-owned
  Delaware business trust subsidiary of the Company, on June 28, 2007. As a
result, the Company extinguished $12,500 of its debenture to Stifel Financial
Capital Trust IV in the fourth quarter and record an approximate $6,700 gain
before certain expenses and taxes.</p>

<p class=MsoNormal style='margin-top:6.0pt'>&nbsp;</p>

<p class=MsoFooter align=center style='text-align:center'>117</p>

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style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'><b><i>NOTE 26 - Impact of the NYSE/Archipelago Merger</i></b></p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>On
March 7, 2006, the New York Stock Exchange (&quot;NYSE&quot;) and Archipelago Holdings
Inc. completed the combination of their businesses through a series of mergers
into a new holding company, NYSE Group, Inc. (&quot;NYSE Group&quot;). As a result of the
merger, the Company received $370 in cash, and 80,177 shares of NYSE Group
common stock for its NYSE seat membership. On May 5, 2006, the Company sold
51,900 shares of NYSE Group through a secondary public offering. The Company
received cash proceeds of $3,128 or $60.27 per share which represented the
fixed offering price. The Company recorded a net gain of $5,520, including
gains and losses resulting from the subsequent fluctuation in the share price
of NYSE Group stock for the shares held, which is included in &quot;Other revenues&quot;
in the consolidated statements of operations for the year ended December 31,
2006.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Note 27 - Variable Interest Entities</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>FIN 46R applies to certain entities in which equity
investors do not have the characteristics of a controlling financial interest
or do not have sufficient equity at risk for the entity to finance its
activities without additional subordinated financial support from other
parties. The primary beneficiary of a VIE is the party that absorbs a majority
of the entity's expected losses, receives a majority of its expected residual
returns or both as a result of holding variable interests.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Based on a
quantitative and qualitative analysis of each entity
determined to be a VIE under the provisions of FIN 46R, the Company does not
absorb a majority of the VIEs expected losses or receive the VIE's expected
residual returns or both and therefore, is not required to consolidate any of
the VIEs described below. The quantitative and qualitative factors used by the Company are
discussed further in Note 1.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Debenture to Stifel Financial Capital Trusts</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As discussed in Note 13, the Company has completed
private placements of cumulative trust preferred securities through Trust II,
Trust III, and Trust IV (collectively, the &quot;Trusts&quot;). The Trusts are
non-consolidated wholly-owned subsidiaries of the Company and were established
for the limited purpose of issuing trust securities to third parties and
lending the proceeds to the Company. The trusts were determined to be VIEs
pursuant to FIN 46R because the holders of the equity investment at risk do not
have adequate decision making ability over the Trust's activities.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The trust preferred securities represent an indirect
interest in junior subordinated debentures purchased from the Company by the Trusts,
and the Company effectively provides for the full and unconditional guarantee
of the securities issued by the Trusts. The Company makes timely payments of
interest to the Trusts as required by contractual obligations, which are
sufficient to cover payments due on the securities issued by the Trusts and
believes that it is unlikely that any circumstances would occur that would make
it necessary for the Company to make payments related to these Trusts other
than those required under the terms of the debenture agreements and the trust
preferred securities agreements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Investment in FSI</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On April 16, 2008, the Company invested $12,000 in a
convertible promissory note issued by FSI, a limited liability company specializing in investing in banks, thrifts, insurance
companies, and other financial services firms. On July 1, 2008, under the terms of the note purchase agreement, the
Company exercised its option to increase its investment in the convertible
promissory note to $18,000. The note is convertible at the election of the
Company into a 49.9% interest in FSI at any time after the third anniversary or
during the defined conversion period. The convertible promissory note has a
minimum coupon rate equal to 10% per annum plus additional interest related to
certain defined cash flows of the business, not to exceed 18% per annum. The Company's
exposure to loss is limited to its investment. The Company has the discretion
to make additional capital contributions. The Company's involvement with the
VIE has not had a material affect on its consolidated financial position,
operations or cash flows. The Company's investment in FSI, a non-consolidated
VIE, of $18,000 at December 31, 2008 is included on the consolidated statements
of financial condition under the caption &quot;Investments.&quot;</p>



<p class=MsoNormal align=center style='margin-left:.25in;text-align:center'>* * * * * *</p>

<p class=MsoFooter align=center style='text-align:center'>118</p>

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<p align="center">





<b><br clear=all
style='page-break-before:always'>
</b>
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<p class=MsoNormal align=center style='text-align:center'><b><i>Quarterly Operating
Results (Unaudited)</i></b></p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:708px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:118px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>2008</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>1st Qtr.</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2nd Qtr.</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>3rd Qtr.</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:118px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>4th Qtr.</b></p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Total
  revenues</p>
  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 217,242</p>
  </td>
  <td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.05in'>$&nbsp;&nbsp;&nbsp;&nbsp; 214,020</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>$&nbsp;&nbsp; 223,829</p>
  </td>
  <td valign=top style='width:118px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 233,756</p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Interest
  expense</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,765</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,069</p>
  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,906</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,770</p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  revenues</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 211,477</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;208,951</p>
  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp; 218,923</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 230,986</p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Non-interest
  expense</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 187,552</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;188,801</p>
  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp; 197,829</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 204,386</p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Income
  before income taxes</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,925</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp; 20,150</p>
  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,094</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,600</p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Net
  income</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,347</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp; 12,332</p>
  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,777</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,046</p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  income per share - basic <sup>(2) (3)</sup></p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.53</p>
  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.54</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.62</p>
  </td>
 </tr>
 <tr>
  <td width=220 valign=top style='width:164.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Net
  income per share - diluted<sup> (3)</sup></p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.54</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.45</p>
  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.46</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.53</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><b>&nbsp;</b></p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:720px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>2007
  <sup>(1)</sup></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:100px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>1st Qtr.</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2nd Qtr.</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>3rd Qtr.</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>4th Qtr.</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Total
  revenues</p>
  </td>
  <td valign=top style='width:100px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 162,498</p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:.05in'>$&nbsp;&nbsp;&nbsp;&nbsp; 220,631</p>
  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>$&nbsp;&nbsp; 190,839</p>
  </td>
  <td valign=top style='width:119px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>$&nbsp;&nbsp;&nbsp;&nbsp; 219,122</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Interest
  expense</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,537</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,696</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,856</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,936</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  revenues</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 156,961</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;210,935</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp; 182,983</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 212,186</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Non-interest
  expense</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 142,144</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;208,271</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp; 169,711</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 189,093</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Income
  before income taxes</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,817</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,664</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,272</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,093</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  income</p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,829</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,448</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,058</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,835</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  income per share - basic <sup>(2) (3)</sup></p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.45</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.07</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.36</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:228px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  income per share - diluted <sup>(2) (3)</sup></p>
  </td>
  <td valign=top style='width:100px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.39</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.06</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.30</p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal style='margin-left:12.6pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.51</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><sup>(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>Quarterly results in 2007
include pre-tax acquisition related charges, principally stock based
compensation, related to the LM Capital Markets and Ryan Beck acquisitions of
$7.3 million, $29.7 million, $9.9 million, and $9.9 million in the first,
second, third, and fourth quarters, respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><sup>(2)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>Due to rounding the
quarterly results do not add to the total for the year.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><sup>(3)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>Amounts have been
adjusted for the June 2008 three-for-two stock split.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_9.">ITEM 9.</a>&nbsp; CHANGES IN AND
DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt'>None</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_9A.">ITEM 9A.</a>&nbsp; CONTROLS AND
PROCEDURES</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in'><b>Conclusion
Regarding the Effectiveness of Disclosure Controls and Procedures&nbsp; </b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of the end of the period covered by this report, an
evaluation was carried out by the management Stifel Financial Corp., with the
participation of our Chief Executive Officer and Chief Financial Officer, of
the effectiveness of our disclosure controls and procedures (as defined in Rule
13a-15(e) under the Securities Exchange Act of 1934). Based upon that
evaluation, our Chief Executive Officer and Chief Financial Officer concluded
that these disclosure controls and procedures were effective as of the end of
the period covered by this report. In addition, no change in our internal
control over financial reporting (as defined in Rule 13a-15(f) under the Securities
Exchange Act of 1934) occurred during the fourth quarter of our fiscal year
ended December 31, 2008 that has materially affected, or is reasonably likely
to materially affect, our internal control over financial reporting.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>Management's Report on Internal Control over
Financial Reporting</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Management of Stifel
Financial Corp., together with its consolidated subsidiaries, is responsible
for establishing and maintaining adequate internal control over financial
reporting. Our company's internal control over financial reporting is a process
designed under the supervision of our principal executive and principal financial
officers to provide reasonable assurance regarding the reliability of financial
reporting and the preparation of our consolidated financial statements for
external purposes in accordance with U.S. generally accepted accounting
principles. All internal control systems, no matter how well designed, have
inherent limitations. Therefore, even those systems determined to be effective
can provide only reasonable assurance with respect to financial statement
preparation and presentation.</p>

<p class=MsoFooter align=center style='text-align:center'>119</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of December 31, 2008, we conducted an assessment of
the effectiveness of our company's internal control over financial reporting
based on the framework established in Internal Control - Integrated Framework
issued by the Committee of Sponsoring Organizations of the Treadway Commission
(COSO). Based on this assessment, we have determined that our company's
internal control over financial reporting as of December 31, 2008 was effective.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our internal control
over financial reporting includes those policies and procedures that pertain to
the maintenance of records that, in reasonable detail, accurately and fairly
reflect the transactions and dispositions of the assets; provide reasonable
assurances that transactions are recorded as necessary to permit preparation of
financial statements in accordance with U.S. generally accepted accounting
principles, and that receipts and expenditures are being made only in
accordance with authorizations of management and directors of our company; and
provide reasonable assurance regarding prevention or timely detection of
unauthorized acquisition, use or disposition of our company's assets that could
have a material effect on our consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our company's internal control over financial
reporting as of December 31, 2008 has been audited by Ernst &amp; Young LLP, an
independent registered public accounting firm, as stated in their report
appearing on the following page, which expresses an unqualified opinion on the
effectiveness of our company's internal control over financial reporting as of December
31, 2008.</p>

<p class=MsoFooter align=center style='text-align:center'>120</p>

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<p class=MsoNormal style='margin-top:6.0pt'>REPORT OF INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM</p>

<p style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in;
margin-bottom:.0001pt'>To
the Board of Directors and Stockholders of<br>
Stifel Financial Corp.<br>
<br>
</p>

<p style='text-align:justify;text-indent:.25in'>We have audited Stifel Financial Corp.'s and
subsidiaries (the &quot;Company's&quot;) internal control over financial reporting as of
December 31, 2008, based on criteria established in <i>Internal Control -
Integrated Framework</i> issued by the Committee of Sponsoring Organizations of
the Treadway Commission (the &quot;COSO criteria&quot;). The Company's management is
responsible for maintaining effective internal control over financial reporting
and for its assessment of the effectiveness of internal control over financial
reporting, included in the accompanying Management's Report on Internal Control
over Financial Reporting. Our responsibility is to express an opinion on the
Company's internal control over financial reporting based on our audit.</p>

<p style='text-align:justify;text-indent:.25in'>We conducted our audit in accordance with the
standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable
assurance about whether effective internal control over financial reporting was
maintained in all material respects. Our audit included obtaining an
understanding of internal control over financial reporting, assessing the risk
that a material weakness exists, testing and evaluating the design and
operating effectiveness of internal control based on the assessed risk, and
performing such other procedures as we considered necessary in the
circumstances. We believe that our audit provides a reasonable basis for our
opinion.</p>

<p style='text-align:justify;text-indent:.25in'>A company's internal control over financial
reporting is a process designed to provide reasonable assurance regarding the
reliability of financial reporting and the preparation of financial statements
for external purposes in accordance with generally accepted accounting
principles. A company's internal control over financial reporting includes
those policies and procedures that (1) pertain to the maintenance of records
that, in reasonable detail, accurately and fairly reflect the transactions and
dispositions of the assets of the company; (2) provide reasonable assurance that
transactions are recorded as necessary to permit preparation of financial
statements in accordance with generally accepted accounting principles, and
that receipts and expenditures of the company are being made only in accordance
with authorizations of management and directors of the company; and (3) provide
reasonable assurance regarding prevention or timely detection of unauthorized
acquisition, use, or disposition of the company's assets that could have a
material effect on the financial statements.</p>

<p style='text-align:justify;text-indent:.25in'>Because of the inherent limitations, internal
control over financial reporting may not prevent or detect misstatements.&nbsp;
Also, projections of any evaluation of the effectiveness to future periods are
subject to the risk that the controls may become inadequate because of changes
in conditions, or that the degree of compliance with the policies or procedures
may deteriorate. </p>

<p style='text-align:justify;text-indent:.25in'>In our opinion, the Company maintained, in all
material respects, effective internal control over financial reporting as of
December 31, 2008, based on the COSO criteria.</p>

<p style='text-align:justify;text-indent:.25in'>We have also audited, in accordance with the
standards of the Public Company Accounting Oversight Board (United States), the consolidated financial statements and schedule of the Company as of and for the
year ended December 31, 2008 and our report dated February 26, 2009 expressed
an unqualified opinion thereon.</p>



<p class=MsoNormal style='margin-left:346.5pt' align="center">/s/ Ernst &amp; Young, LLP</p>

<p>Chicago, Illinois<br>
February 26, 2009</p>

<p class=MsoFooter align=center style='text-align:center'>121</p>

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</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>
<a name="ITEM_9B.">ITEM 9B.</a>&nbsp; OTHER
INFORMATION</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt'>None</p>

<p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-align:center;
text-indent:-.5in'><b><i>PART
III</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_10.">ITEM 10.</a>&nbsp; DIRECTORS,
EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Information regarding our
Board of Directors and committees, our Corporate Governance, compliance with
Section 16(a) of the Securities Exchange Act of 1934, and procedures by which
stockholders may recommend nominees to our Board of Directors is contained in our
Proxy Statement for the 2009 Annual Meeting of Stockholders to be filed with
the SEC within 120 days after our fiscal year end, which information is
incorporated herein by reference.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Information regarding
the executive officers is contained in Part 1, Item 1, &quot;Executive Officers of
the Registrant,&quot; hereof. There is no family relationship between any of the
directors or named executive officers.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Under Section 303A.12
(a) NYSE Listed Company Manual, the CEO certification was submitted to the NYSE
after the 2008 Annual Meeting of Stockholders.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_11.">ITEM 11.</a>&nbsp; EXECUTIVE
COMPENSATION</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Information regarding
compensation of certain executive officers and directors (&quot;Executive
Compensation&quot;), as well as &quot;Compensation Committee Interlocks and Insider
Participation&quot; and &quot;Compensation Committee Report&quot; is contained in our Proxy
Statement for the 2009 Annual Meeting of Stockholders to be filed with the SEC
within 120 days after our fiscal year end, which information is incorporated
herein by reference.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_12.">ITEM 12.</a>&nbsp; SECURITY
OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER
MATTERS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Securities authorized for issuance under equity
compensation plans</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table
provides information as of December 31, 2008 with respect to the shares of our
common stock that may be issued under our existing equity compensation plans. </p>



<div align="center">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:828px;margin-left:5.4pt;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:346px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><br>
  <br>
  <br>
  <br>
  <br>
  Plan Category</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:154px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Number of<br>
  securities to be<br>
  issued upon exercise<br>
  of outstanding <br>
  options and units</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:129px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:.05in;text-align:center;
  text-indent:0in'><b><br>
  Weighted-average <br>
  exercise <br>
  price of<br>
  outstanding<br>
  options and units</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:143px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:.05in;text-align:center;
  text-indent:0in'><b>Number of securities<br>
  remaining available<br>
  for future issuance<br>
  under equity<br>
  compensation plans</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:346px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:154px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:129px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:143px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:346px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:.9pt;text-align:left;text-indent:
  -.9pt'>Equity compensation plans approved by
  shareholders</p>
  </td>
  <td valign=top style='width:154px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,980,420</p>
  </td>
  <td valign=top style='width:129px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-left:32.7pt;text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 22.18</p>
  </td>
  <td valign=top style='width:143px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>5,494,990</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:346px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:.9pt;text-align:left;text-indent:
  -.9pt'>Equity compensation plans not approved
  by shareholders</p>
  </td>
  <td valign=top style='width:154px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 452,384</p>
  </td>
  <td valign=top style='width:129px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-left:32.7pt;text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.35</p>
  </td>
  <td valign=top style='width:143px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:346px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:154px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,432,804</p>
  </td>
  <td valign=top style='width:129px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-left:32.7pt;text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 21.21</p>
  </td>
  <td valign=top style='width:143px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,494,990</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On December 31, 2008,
the total number of securities to be issued upon exercise of options and units
consisted of 1,366,899 options and 6,065,905 units for a total of 7,432,804
shares. The equity compensation plans approved by the stockholders contained 1,366,899
options and 5,613,521 units for a total of 6,980,420 shares. The equity
compensation plan not approved by the stockholders contained 452,384 units.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;page-break-after:
avoid'><b><u>Equity
compensation plans approved by stockholders</u></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
page-break-after:avoid'>The
total options granted as of December 31, 2008 for equity compensation plans
approved by the stockholders consists of 342,414 shares subject to options
granted under the 1997 Stock Incentive Plan, 928,508 shares subject to options
granted under the 2001 Incentive Stock Plan, and 95,977 shares subject to
options granted under the Equity Incentive Plan for Non-Employee Directors. </p>

<p class=MsoFooter align=center style='text-align:center'>122</p>

<div class=MsoNormal align=center style='text-align:center'>

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style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The total units granted
as of December 31, 2008 for equity compensation plans approved by the
stockholders consists of 11,977 shares that are subject to stock units granted
under the 1997 Stock Incentive Plan, 4,565,510 shares that are subject to stock
units granted under the 2001 Incentive Stock Plan, 891,878 under the 2007
Incentive Stock Plan and 144,156 shares that are subject to stock units granted
under the Equity Incentive Plan for Non-Employee Directors. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of December 31, 2008,
the remaining shares available for future grants or awards under equity
compensation plans approved by the stockholders consist of 607,095 shares under
the 1997 Stock Incentive Plan, 3,554,987 shares under the 2001 Incentive Stock
Plan, 924,558 under the 2007 Incentive Stock Plan and 408,350 shares under the
Equity Incentive Plan for Non-Employee Directors for a total of 5,494,990
shares. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;page-break-after:
avoid'><b><u>Equity
compensation plans not approved by stockholders</u></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
page-break-after:avoid'>Equity
compensation plans not approved by the stockholders as of December 31, 2008 include
452,384 shares that are subject to stock units granted to our investment
financial advisors and administrative employees who are not executive officers
pursuant to a Wealth Accumulation Plan. The Wealth Accumulation Plan was not
approved by our stockholders nor funded by another stock-based compensation
plan approved by our stockholders. There were no shares reserved for future
grants or awards under this plan as of December 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Security ownership of
certain beneficial owners</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Information regarding
security ownership of certain beneficial owners is contained in &quot;Ownership of
Certain Beneficial Owners,&quot; included in our Proxy Statement for the 2009 Annual
Meeting of Stockholders to be filed with the SEC within 120 days after our
fiscal year end, which information is incorporated herein by reference.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Security ownership of
management</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Information regarding
security ownership of certain beneficial owners and management is contained in &quot;Ownership
of Directors, Nominees and Executive Officers,&quot; included in our Proxy Statement
for the 2009 Annual Meeting of Stockholders to be filed with the SEC within 120
days after our fiscal year end, which information is incorporated herein by
reference.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_13.">ITEM 13.</a>&nbsp; CERTAIN
RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Information regarding
certain relationships and related transactions and director independence is
contained in &quot;Certain Relationships and Related Transactions,&quot; and &quot;Director
Independence&quot; included in our Proxy Statement for the 2009 Annual Meeting of
Stockholders to be filed with the SEC within 120 days after our fiscal year end,
which information is incorporated herein by reference.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_14.">ITEM 14.</a>&nbsp; PRINCIPAL
ACCOUNTANT FEES AND SERVICES</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Information regarding
principal accounting fees and services is contained in &quot;Ratification of
Appointment of Independent Registered Public Accounting Firm,&quot; included in our
Proxy Statement for the 2009 Annual Meeting of Stockholders to be filed with
the SEC within 120 days after our fiscal year end, which information is
incorporated herein by reference.</p>

<p class=MsoFooter align=center style='text-align:center'>123</p>

<div class=MsoNormal align=center style='text-align:center'>

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style='page-break-before:always'>










</p>










<p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-align:center;
text-indent:-.5in'><b><i>PART
IV</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>
<a name="ITEM_15.">ITEM 15.</a>&nbsp; EXHIBITS,
FINANCIAL STATEMENT SCHEDULES</i></b></p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=653
 style='width:6.8in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=67 valign=top style='width:50.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(a)&nbsp;&nbsp; (1)</p>
  </td>
  <td width=515 valign=top style='width:386.25pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-bottom:12.0pt'>Consolidated Financial Statements are contained
  in Item 8 and made part hereof.</p>
  </td>
  <td width=71 valign=top style='width:53.15pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=67 valign=top style='width:50.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2)</p>
  </td>
  <td width=515 valign=top style='width:386.25pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Consolidated
  Financial Statement Schedules:</p>
  </td>
  <td width=71 valign=top style='width:53.15pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=67 valign=top style='width:50.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=515 valign=top style='width:386.25pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=71 valign=top style='width:53.15pt;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
 </tr>
 <tr>
  <td width=67 valign=top style='width:50.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=515 valign=top style='width:386.25pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=71 valign=top style='width:53.15pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=67 valign=top style='width:50.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=515 valign=top style='width:386.25pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-bottom:12.0pt'>Schedule II - Valuation and Qualifying
  Accounts</p>
  </td>
  <td width=71 valign=top style='width:53.15pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=67 valign=top style='width:50.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=515 valign=top style='width:386.25pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-bottom:12.0pt'>All other schedules for which provision is
  made in the applicable accounting regulations of the Securities and Exchange
  Commission are not required under the related instructions or are
  inapplicable and, therefore, have been omitted.</p>
  </td>
  <td width=71 valign=top style='width:53.15pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=67 valign=top style='width:50.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3)</p>
  </td>
  <td width=515 valign=top style='width:386.25pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-bottom:12.0pt'>Exhibits: See
	<a href="#EXHIBIT_INDEX">Exhibit Index</a> on pages 126 to 128 hereof.</p>
  </td>
  <td width=71 valign=top style='width:53.15pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>124</p>

<div class=MsoNormal align=center style='text-align:center'>

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clear=all style='page-break-before:always'>












</p>












<p class=MsoNormal align=center style='text-align:center'><b>SCHEDULE II - VALUATION AND QUALIFYING ACCOUNTS<br>
STIFEL FINANCIAL CORP. AND SUBSIDIARIES</b></p>



<p class=MsoNormal><b>(<i>in
thousands</i>)</b></p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:737px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:63.8pt'>
  <td width=276 valign=bottom style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt;
  height:63.8pt'>
  <p class=MsoNormal align=center style='text-align:center'>Description</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:
  1.0pt solid windowtext;height:63.8pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Balance at<br>
  Beginning<br>
  Of Period</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:
  1.0pt solid windowtext;height:63.8pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Additions<br>
  Charged to Costs<br>
  And Expenses</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:
  1.0pt solid windowtext;height:63.8pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Deductions <sup>(1)</sup></i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:
  1.0pt solid windowtext;height:63.8pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>Balance<br>
  At End<br>
  Of Period</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Year Ended December 31,
  2008</b></p>
  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:98px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Deducted from asset
  account:</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:9.0pt'>Allowances
  for doubtful accounts</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 290</p>
  </td>
  <td valign=bottom style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 399</p>
  </td>
  <td valign=bottom style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp; $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 107</p>
  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 582</p>
  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Deducted from asset
  account:</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:9.0pt'>Allowances
  for doubtful notes receivables</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 737</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 685</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 236</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,186</p>
  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Year Ended December 31,
  2007</b></p>
  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:98px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Deducted from asset
  account:</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:9.0pt'>Allowances
  for doubtful accounts</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 307</p>
  </td>
  <td valign=bottom style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 253</p>
  </td>
  <td valign=bottom style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 270</p>
  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 290</p>
  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Deducted from asset
  account:</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=bottom style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:9.0pt'>Allowances
  for doubtful notes receivables</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 687</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,611</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,561</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 737</p>
  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Year Ended December 31,
  2006</b></p>
  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:98px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Deducted from asset
  account:</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:9.0pt'>Allowances
  for doubtful accounts</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 204</p>
  </td>
  <td valign=bottom style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 143</p>
  </td>
  <td valign=bottom style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40</p>
  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 307</p>
  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Deducted from asset
  account:</p>
  </td>
  <td valign=bottom style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=bottom style='width:98px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=bottom style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
  <td valign=bottom style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'></p>
  </td>
 </tr>
 <tr>
  <td width=276 valign=top style='width:206.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:9.0pt'>Allowances
  for doubtful notes receivables</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 767</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:98px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 243</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 323</p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 687</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-left:.5in;text-indent:-.25in'><sup>(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</sup>Uncollected notes written
off, loan charge-offs and recoveries.<br>
<br>
</p>



<p class=MsoFooter align=center style='text-align:center'>125</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>










<p class=MsoNormal align=center style='text-align:center'>
<a href="#TABLE_OF_CONTENTS">Table of Contents</a></p>
<p class=MsoNormal align=center style='text-align:center'><b>
<a name="EXHIBIT_INDEX">EXHIBIT INDEX</a>&nbsp;</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>STIFEL FINANCIAL CORP.
AND SUBSIDIARIES<br>
ANNUAL REPORT ON FORM 10-K<br>
YEAR ENDED DECEMBER 31, 2008</b></p>












<div align="center">












<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:832px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=107 colspan=2 valign=top style='width:80.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>Exhibit No.</p>
  </td>
  <td valign=bottom style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>Description</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>3.</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(a)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Restated
  Certificate of Incorporation and as amended of Financial filed with the
  Secretary of State of Delaware on May31, 2001, incorporated herein by
  reference to Exhibit 3.(a) to Financial's Quarterly Report on Form 10-Q (File
  No. 001-9305) for the quarterly period ended June 30, 2001.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(b)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Amended
  and Restated By-Laws of Financial, incorporated herein by reference to
  Exhibit 3. (b)(1) to Financial's Annual Report on Form 10-K (File No. 1-9305)
  for fiscal year ended July 30, 1993.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>4.</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Registration
  Rights Agreement dated February 28, 2007 of Financial, incorporated herein by
  reference to Financial's Current Report on Form 8-K/A (File No. 1-09305)
  filed March 6, 2007.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>10.</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(a)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Form
  of Indemnification Agreement with directors dated as of June 30, 1987,
  incorporated herein by reference to Exhibit10.2 to Financial's Current Report
  on Form 8-K (date of earliest event reported - June 22, 1987) filed July 14,
  1987. </p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(b)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Dividend
  Reinvestment and Stock Purchase Plan of Financial, incorporated herein by
  reference to Financial's Registration Statement on Form S-3 (Registration
  File No. 33-53699) filed May 18, 1994.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(c)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Amended
  and Restated 1997 Incentive Plan of Financial, incorporated herein by
  reference to Financial's Registration Statement on Form S-8 (Registration
  File No. 333-84717) filed on August 6, 1999. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(d)(1)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Employment
  Letter with Ronald J. Kruszewski, incorporated herein by reference to Exhibit
  10.(l) to Financial's Annual Report on Form 10-K (File No. 1-9305) for the
  year ended December 31, 1997.*</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(d)(2)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Stock
  Unit Agreement with Ronald J. Kruszewski, incorporated herein by reference to
  Exhibit 10.(j)(2) to Financial's Annual Report on Form 10-K (File No. 1-9305)
  for the year ended December 31, 1998. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(e)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>1999
  Executive Incentive Performance Plan of Financial, incorporated herein by
  reference to Annex B of Financial's Proxy Statement for the 1999 Annual
  Meeting of Stockholders filed March 26, 1999. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(f)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Equity
  Incentive Plan for Non-Employee Directors of Financial, incorporated herein
  by reference to Financial's Registration Statement on Form S-8 (Registration
  File No. 333-52694) filed December 22, 2000. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(g)(1)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Stifel,
  Nicolaus &amp; Company, Incorporated Wealth Accumulation Plan, incorporated
  herein by reference to Financial's Registration Statement on Form S-8
  (Registration File No. 333-60506) filed May 9, 2001. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(g)(2)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Stifel,
  Nicolaus &amp; Company, Incorporated Wealth Accumulation Plan Amendment No.
  1, incorporated herein by reference to Financial's Registration Statement on
  Form S-8 (Registration File No. 333-105759) filed June 2, 2003. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(h)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Stifel
  Nicolaus Profit Sharing 401(k) Plan, incorporated herein by reference to
  Financial's Registration Statement on Form S-8 (Registration File No.
  333-60516) filed May 9, 2001. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(i)(1)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Stifel
  Financial Corp. 2001 Incentive Plan, incorporated herein by reference to
  Financial's Registration Statement on Form S-8 (Registration File No.
  333-82328) filed February 7, 2002. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(i)(2)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Stifel
  Financial Corp. 2001 Incentive Plan Amendment No. 1, incorporated herein by
  reference to Financial's Registration Statement on Form S-8 (Registration
  File No. 333-105756) filed June 2, 2003. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(i)(3)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Stifel
  Financial Corp. 2001 Incentive Plan Amendment No. 2, incorporated herein by
  reference to Financial's Registration Statement on Form S-8 (Registration
  File No. 333-140662) filed February 13, 2007. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(j)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Stock
  Unit Agreement with James M. Zemlyak dated January 11, 2000, incorporated
  herein by reference to Exhibit 10.(s) to Financial's Annual Report on Form
  10-K / A Amendment No. 1(File No. 1-9305) for the year ended December 31,
  2001, filed on April 9, 2002. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(k)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Stock
  Unit Agreement with Scott B. McCuaig dated December 20, 1998, incorporated
  herein by reference to Exhibit 10.(t) to Financial's Annual Report on Form
  10-K / A Amendment No. 1(File No. 1-9305) for the year ended December 31,
  2001, filed on April 9, 2002. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(l)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Amended
  and Restated Promissory Note dated December 21, 1998, from Ronald J. Kruszewski
  payable to Financial, incorporated herein by reference to Exhibit 10.(u) to
  Financial's Annual Report on Form 10-K / A Amendment No. 1 (File No. 1-9305)
  for the year ended December 31, 2001, filed on April 9, 2002. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(m)(1)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Third
  Amendment to Lease by and among EBS Building, L.L.C., Stifel Financial Corp.,
  and Stifel, Nicolaus &amp; Company, Incorporated, dated September 1, 1999,
  incorporated herein by reference to EBS Building, L.L.C.'s Annual Report on
  Form 10-K(File No. 000-24167) for the year ended December 31, 2001.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(m)(2)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Fourth
  Amendment to Lease by and among EBS Building, L.L.C., Stifel Financial Corp.,
  and Stifel, Nicolaus &amp; Company, Incorporated, dated November 1, 1999,
  incorporated herein by reference to EBS Building, L.L.C.'s Annual Report on
  Form 10-K(File No. 000-24167) for the year ended December 31, 2001.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(m)(3)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Fifth
  Amendment to Lease by and among EBS Building, L.L.C., Stifel Financial Corp.,
  and Stifel, Nicolaus &amp; Company, Incorporated dated June 11, 2001,
  incorporated herein by reference to EBS Building, L.L.C.'s Annual Report on
  Form 10-K(File No. 000-24167) for the year ended December 31, 2001.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(n)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Stifel
  Financial Corp. 2003 Employee Stock Purchase Plan, incorporated herein by
  reference to Financial's Registration Statement on Form S-8 (Registration
  File No. 333-100414) filed October 8, 2002. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(o)(1)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Acquisition
  agreement by and between Stifel Financial Corp. and Citigroup Inc.,
  incorporated herein by reference to Exhibit 10 to Financial's quarterly
  report on Form 10-Q/A No. 1 (File No. 1-9305) for the quarterly period ended
  September 30, 2005.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(o)(2)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Amendment
  No.1 to Acquisition Agreement by and between Stifel Financial Corp. and
  Citigroup Inc., incorporated herein by reference to Exhibit 10.(v)(2) to
  Financial's Annual Report on Form 10-K (File No. 1-9305) for the year ended
  December 31, 2005, filed on March 16, 2006. .</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(o)(3)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Amendment
  No.2 to Acquisition Agreement by and between Stifel Financial Corp. and
  Citigroup Inc., incorporated herein by reference to Exhibit 10.(v)(3) to
  Financial's Annual Report on Form 10-K (File No. 1-9305) for the year ended
  December 31, 2005, filed on March 16, 2006.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(p)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Employment
  Agreement with Richard Himelfarb dated September 6, 2005, incorporated herein
  by reference to Exhibit 10.(p) to Financial's Annual Report on Form 10-K/A
  Amendment No. 1 (File No. 1-9305) for the year ended December 31, 2005, filed
  on January 26, 2007. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(q)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Employment
  Agreement with Thomas Mulroy dated September 7, 2005, incorporated herein by
  reference to Exhibit 10.(q) to Financial's Annual Report on Form 10-K/A
  Amendment No. 1 (File No. 1-9305) for the year ended December 31, 2005, filed
  on January 26, 2007. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(r)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Agreement
  and Plan of Merger, dated as of November 20, 2006, by and among Stifel
  Financial Corp., FSFC Acquisition Co. and First Service Financial Company
  incorporated herein by reference to Exhibit 2.1 to Financial's Current Report
  on Form 8-K (date of earliest event reported-November 20, 2006) filed on
  November 20, 2006).</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(s)(1)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Office
  Sublease Agreement by and between Deutsch Bank Securities, Inc. (Lessor) and
  Stifel, Nicolaus &amp; Company, Incorporated (Lessee), incorporated herein by
  reference to Exhibit 10.(t)(1) to Financial's Annual Report on Form 10-K/A
  Amendment No. 1 (File No. 1-9305) for the year ended December 31, 2006, filed
  on June 28, 2007. </p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(s)(2)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Office
  Lease Agreement by and between ABB South Street Associates, LLC (Landlord)
  and Stifel, Nicolaus &amp; Company, Incorporated (Tenant), incorporated
  herein by reference to Exhibit 10.(t)(1) to Financial's Annual Report on Form
  10-K/A Amendment No. 1 (File No. 1-9305) for the year ended December 31,
  2006, filed on June 28, 2007. </p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(t)(1)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Agreement
  and Plan of Merger, dated as of January 8, 2007 by and among Stifel Financial
  Corp., SF RB Merger Sub, Inc., BankAtlantic Bancorp, Inc. and Ryan Beck
  Holdings, Inc. incorporated herein by reference to Exhibit 2.1 to Financial's
  Current Report on Form 8-K / A (date of earliest event reported-January 8,
  2007) filed on January 12, 2007.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(t)(2)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Amendment
  No.1 to Merger Agreement by and among Stifel Financial Corp.and BankAtlantic Bancorp,
  Inc. incorporated herein by reference to Exhibit 2.1 to Financial's Current Report on
  Form 8-K (date of earliest event reported August 14, 2008) filed on August 15,
  2008. .</p>
  </td>
 </tr>
</table>







</div>
<div align="center">







<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:832px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>



  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(u)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Stifel
  Financial Corp. 2007 Incentive Stock Plan, incorporated herein by reference
  to Financial's Registration Statement on Form S-8 (Registration File No.
  333-145990) filed September 11, 2007. *</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>(v)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Purchase
  Agreement among Stifel Financial Corp., The Western and Southern Life
  Insurance Company (&quot;Western and Southern&quot;), and Stifel, Nicolaus &amp;
  Company, Incorporated, Merrill Lynch &amp; Co., Merrill Lynch, Pierce, Fenner
  &amp; Smith Incorporated, and Keefe, Bruyette &amp; Woods, Inc. incorporated
  herein by reference to Exhibit 10.1 to Financial's Current Report on Form 8-K
  (date of earliest event reported September 24, 2008) filed on September 29,
  2008.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>(x)</p>
  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Stock
  Purchase Agreement, dated December 18, 2008, by and among Stifel Financial
  Corp., Butler Wick &amp; Co. Inc. and Butler Wick Corp., filed herewith.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>11.</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Computation
  of Per Share Earnings is set forth in Note 23 of Notes to Consolidated
  Financial Statements included in this Form 10-K. </p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>16.</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Letter
  from Stifel Financial Corp.'s former independent accountant regarding its
  concurrence with the statements made by the Company in the current report
  concerning the dismissal as the Company's principal accountant is
  incorporated herein by reference to Exhibit 16 to Financial's Current Report
  on Form 8-K (date of earliest event reported April 8, 2008) filed on April
  14, 2008.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>21.</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>List
  of Subsidiaries of Stifel Financial Corp., filed herewith.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>23.1.</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Consent
  of Independent Registered Public Accounting Firm, filed herewith.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>23.2</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Consent
  of Independent Registered Public Accounting Firm, filed herewith.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>31(i).1&nbsp;
  </p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Certification
  by the Chief Executive Officer pursuant to Rule 13a-14(a) promulgated under
  the Securities Exchange Act of 1934, as amended.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>31(i).2</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Certification
  by the Chief Financial Officer pursuant to Rule 13a-14(a) promulgated under
  the Securities Exchange Act of 1934, as amended.</p>
  </td>
 </tr>
 <tr>
  <td width=54 valign=top style='width:40.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>32.</p>
  </td>
  <td width=53 valign=top style='width:39.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:684px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Certification
  pursuant to U.S.C. Section 1350, as adopted pursuant to Section 906 of the
  Sarbanes-Oxley Act of 2002. This exhibit is furnished to the SEC.</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal style='margin-left:.25in'>* Management contract or compensatory plan or
arrangement.</p>

<p class=MsoFooter align=center style='text-align:center'>128</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br
clear=all style='page-break-before:always'>










</p>










<p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-align:center;
text-indent:-.5in'><b><i><a name="SIGNATURES">SIGNATURES</a></i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>Pursuant to the requirements of Section
13 of the Securities Exchange Act of 1934, the Registrant has duly caused this
report to be signed on its behalf by the undersigned, thereunto duly authorized,
in the City of St. Louis, State of Missouri, on the 27th day of February 2009.</p>

<div align="center">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='margin-left:293.4pt;border-collapse:collapse' width="338">
 <tr>
  <td valign=top style='width:324px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>STIFEL
  FINANCIAL CORP.</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:324px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>(Registrant)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:324px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:324px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>By&nbsp;
  <u>/s/ Ronald J. Kruszewski</u></p>
  </td>
 </tr>
 <tr style='height:37.8pt'>
  <td valign=top style='width:324px;height:37.8pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Ronald
  J. Kruszewski<br>
  Chairman of the Board, President,<br>
  Chief Executive Officer, and Director</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>Pursuant to
the requirements of the Securities Exchange Act of 1934, this report has been
signed below by the following persons on behalf of the Registrant on February
27,
2009, in the capacities indicated.</p>

<p class=MsoFooter align=center style='text-align:center'>129</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">
<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>












</p>












<div align="center">












<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse'>
 <tr style='page-break-inside:avoid;height:25.35pt'>
  <td width=31 valign=top style='width:23.4pt;padding:0in 5.4pt 0in 5.4pt;
  height:25.35pt'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt;
  height:25.35pt'>
  <p class=MsoNormal><u>Ronald
  J. Kruszewski</u>&nbsp;
  <br>
  Ronald J. Kruszewski</p>
  </td>
  <td width=288 rowspan=2 valign=top style='width:3.0in;padding:0in 5.4pt 0in 5.4pt;
  height:25.35pt'>
  <p class=MsoNormal>Chairman
  of the Board, President,<br>
  Chief Executive Officer, and Director<br>
  (Principal Executive Officer)</p>

  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=31 valign=top style='width:23.4pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:25.35pt'>
  <td width=31 valign=top style='width:23.4pt;padding:0in 5.4pt 0in 5.4pt;
  height:25.35pt'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt;
  height:25.35pt'>
  <p class=MsoNormal><u>James
  M. Zemlyak</u>&nbsp;
  <br>
  James M. Zemlyak</p>
  </td>
  <td width=288 rowspan=2 valign=top style='width:3.0in;padding:0in 5.4pt 0in 5.4pt;
  height:25.35pt'>
  <p class=MsoNormal>Senior
  Vice President, Chief Financial<br>
  Officer, Treasurer, and Director<br>
  (Principal Financial and Accounting Officer)</p>

  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=31 valign=top style='width:23.4pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:38px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:38px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>Robert
  J. Baer</u><br>
  Robert J. Baer</p>
  </td>
  <td width=288 valign=top style='width:3.0in;height:38px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>


  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:42px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:42px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>Bruce
  A. Beda<br>
  </u>Bruce
  A. Beda</p>
  </td>
  <td width=288 valign=top style='width:3.0in;height:42px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>


  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:41px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/
  </p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:41px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>Charles
  A. Dill</u>
  <br>
  Charles A. Dill</p>
  </td>
  <td width=288 valign=top style='width:3.0in;height:41px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>


  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:45px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:45px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>John
   P. Dubinsky</u>
  <br>
   John P. Dubinsky</p>
  </td>
  <td width=288 valign=top style='width:3.0in;height:45px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>


  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>Richard
  F. Ford</u><br>
  Richard F. Ford</p>
  </td>
  <td width=288 valign=top style='width:3.0in;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>


  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>Frederick O. Hanser</u><br>
  Frederick O. Hanser</p>
  </td>
  <td width=288 valign=top style='width:3.0in;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>


  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=31 valign=top style='width:23.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><u>Richard
  J. Himelfarb<br>
	</u>Richard
  J. Himelfarb</p>

  </td>
  <td width=288 valign=top style='width:3.0in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Director</p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:42px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:42px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>Robert
  E. Lefton</u><br>
  Robert E. Lefton</p>
  </td>
  <td width=288 valign=top style='width:3.0in;height:42px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>


  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>Scott
  B. McCuaig</u><br>
  Scott B. McCuaig</p>
  </td>
  <td width=288 valign=top style='width:3.0in;height:43px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>


  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=31 valign=top style='width:23.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><u>Thomas
  P. Mulroy</u><br>
  Thomas P. Mulroy </p>

  </td>
  <td width=288 valign=top style='width:3.0in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Director</p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid;height:38.0pt'>
  <td width=31 valign=top style='width:23.4pt;height:40px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;height:40px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><u>James
  M. Oates</u><br>
  James M. Oates</p>

  </td>
  <td width=288 valign=top style='width:3.0in;height:40px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Director</p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=31 valign=top style='width:23.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><u>Ben
  A. Plotkin</u><br>
  Ben A. Plotkin</p>

  </td>
  <td width=288 valign=top style='width:3.0in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Director</p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=31 valign=top style='width:23.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>/s/</p>
  </td>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><u>Kelvin
  R. Westbrook<br>
	</u>Kelvin
  R. Westbrook</p>

  </td>
  <td width=288 valign=top style='width:3.0in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Director</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>130</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br
clear=all style='page-break-before:always'>










</body>

</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>2
<FILENAME>rsf200810k.pdf
<DESCRIPTION>PDF VERSION
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<DOCUMENT>
<TYPE>EX-10
<SEQUENCE>3
<FILENAME>rbutlerwick.htm
<DESCRIPTION>BUTLER WICK ACQUISITION AGREEMENT
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EXHIBIT 10-X</p>
<p class=MsoNormal align=center style='text-align:center;line-height:173%'>STOCK PURCHASE
AGREEMENT<br>
by and among<br>
STIFEL FINANCIAL CORP.<br>
BUTLER WICK &amp; CO., INC.<br>
  BUTLER WICK CORP.<br>
and<br>
UNITED COMMUNITY FINANCIAL CORP.</p>

<p class=MsoNormal align=center style='margin-top:.65in;text-align:center;
line-height:122%'>Dated December 18, 2008</p>

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  white' align="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp; 2</p>
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<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:.15in;
margin-left:0in;line-height:123%'><b><u>STOCK PURCHASE AGREEMENT</u></b></p>

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  white' align="center">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3</p>
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<p class=MsoNormal style='margin-top:.05in;text-align:justify;text-indent:.5in'>This STOCK PURCHASE AGREEMENT is
entered into as of this 18<sup>th</sup> day of December, 2008, by and among Stifel Financial Corp., a Delaware
corporation (&quot;Parent&quot;), Butler
Wick &amp; Co., Inc., an Ohio corporation (the <u>&quot;Company&quot;), </u>United
Community Financial Corp., an Ohio corporation (&quot;UCFC&quot;), and Butler Wick
Corp., an Ohio corporation (&quot;BWC&quot;, and, together with UCFC, <u>&quot;Sellers&quot;). </u>Parent, the
Company, UCFC and BWC are each referred to herein individually as a <u>&quot;Party&quot; </u>and
collectively as the <u>&quot;Parties&quot;.
</u>Capitalized
terms are defined in <b>Article 1.</b></p>

<p class=MsoNormal align=center style='margin-top:9.0pt;text-align:center;
line-height:121%'><b><u>RECITALS</u></b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;Parent desires to
purchase, or to cause its wholly-owned subsidiary Stifel, Nicolaus &amp;
Company, Incorporated, a Missouri corporation <u>(&quot;Stifel Nicolaus&quot;), </u>to purchase, from BWC
and UCFC, on the following terms and conditions, the Shares (as defined below),
which comprise all of the issued and outstanding capital stock of the Company;
and</p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.5in'>B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
UCFC desires to cause BWC to sell the Shares to Parent (or Stifel Nicolaus, as assignee of Parent pursuant to
<b>Section 11.4), </b>on the following terms and conditions.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>NOW,
THEREFORE, in consideration of the foregoing recitals and the mutual covenants,
representations, warranties, conditions, and agreements contained herein and in
the
Related Agreements, and for other good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged, and intending to be legally
bound, the Parties agree
as follows:</p>

<p class=MsoNormal align=center style='margin-top:12.6pt;text-align:center'><b>ARTICLE 1<br>
DEFINITIONS</b></p>

<p class=MsoNormal style='margin-top:.1in;margin-right:.55in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;line-height:200%'>The following terms shall have the meanings set forth below in this <b>Article
1. </b>1.1&nbsp;&nbsp;&nbsp; <u>&quot;Acquisition Proposal&quot; </u>has the meaning set forth in <b>Section 6.10.</b></p>

<p class=MsoNormal style='text-indent:.5in'>1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Advisers Act&quot; </u>means the
United States Investment Advisers Act of 1940, as<br>
amended, and the
rules and regulations promulgated thereunder by the SEC.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>1.3 <u>&quot;Affiliate&quot; </u>means with respect to any
specified Person, any other Person that directly
or indirectly through one or more intermediaries, controls, is controlled by,
or is under common control with, such specified Person. If the Person
referred to is a natural person, the term
&quot;Affiliate&quot; refers to any member of such Person's immediate family.
The term &quot;control&quot;
(including, with correlative meaning, the terms &quot;controlled by&quot; and
&quot;under common control
with&quot;) as used with respect to any Person, means the possession, directly
or indirectly, of the power to direct
or cause the direction of the management and policies of such Person,
whether through the ownership of voting securities, by contract or otherwise.</p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.5in'>1.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Agreement&quot; </u>means this Stock Purchase
Agreement as executed on the date<br>
hereof and as amended or supplemented in accordance with the terms hereof,
including the</p>

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<p class=MsoNormal style='margin-top:1.8pt'>Company Disclosure Letter, the Parent Disclosure Letter
and all Schedules, Annexes and Exhibits hereto.</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:128%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.5&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Assets&quot; </u>has the meaning set
forth in <b>Section 3.10.</b></p>

<p class=MsoNormal style='margin-top:.1in;text-align:justify;text-indent:.5in'>&nbsp;1.6 <u>&quot;Assignment
of Trademarks&quot; </u>means an agreement assigning all right, title and interest
in the Butler Wick Principal Marks to Parent at Closing, in form and substance reasonably satisfactory to
Parent.</p>

<p class=MsoNormal align=right style='margin-top:9.0pt;margin-right:1.8pt;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:right;
line-height:130%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Audited
Financial Information&quot; </u>has the meaning set forth in <b>Section</b></p>

<p class=MsoNormal style='line-height:121%'>3.9(a).</p>

<p class=MsoNormal style='margin-top:.1in;text-indent:.5in'> 1.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Business&quot; </u>means the business conducted by the
Company and its<br>
Controlled Affiliates on the date hereof.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Business Day&quot; </u>means any day which is not a
Saturday, Sunday or legal<br>
holiday in the State of Ohio, United States of America.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.10 <u>&quot;Business
Employee&quot; </u>means collectively the employees of the Company, including, without limitation, Thomas J. Cavalier,
Franklin S. Bennett, Jr., Ralph T. Meacham and Michael Paterchak, engaged in
the Business on the date hereof and at any time prior to Closing.</p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.5in'> 1.11&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Butler Wick Principal Marks&quot; </u>includes any
Trademarks that include the<br>
term &quot;Butler Wick&quot; or any variation thereof or the Butler Wick
or BW design.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.12&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Butler Wick Trust Company&quot; </u>means Butler Wick
Trust Company, an Ohio<br>
corporation.</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:128%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.13&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;BWC&quot; </u>has the meaning set forth
in the introductory paragraph.</p>

<p class=MsoNormal style='margin-top:.1in;line-height:121%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.14&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;BWTC Subleased Property&quot; </u>has
the meaning set forth in <b>Section 6.16.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:121%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.15&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Closing&quot; </u>has the meaning
set forth in <b>Section 2.2(c).</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.16&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Closing Date&quot; </u>has the
meaning set forth in <b>Section 2.2(c).</b></p>

<p class=MsoNormal align=right style='margin-top:.1in;margin-right:1.8pt;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:left;
line-height:118%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.17&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Code&quot;
</u>means the Internal Revenue Code of 1986, as amended from time to time.</p>

<p class=MsoNormal align=right style='margin-top:.15in;margin-right:.1in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:left;
line-height:150%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.18&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Company&quot;
</u>has the meaning set forth in the introductory paragraph hereof.</p>

<p class=MsoNormal style='margin-top:5.4pt;text-align:justify;text-indent:.5in'>&nbsp;1.19 <u>&quot;Company Benefit
Plan&quot; </u>means each Plan to which BWC, UCFC or the Company has any
obligation with respect to the Business Employees, or that is sponsored, maintained or contributed to or required to be
contributed to by the Company with respect to the Business Employees, or
under which the Company has or may have any Liability.</p>

<p class=MsoNormal style='margin-top:.15in;line-height:135%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.20&nbsp;&nbsp;&nbsp; <u>&quot;Company Capital Stock&quot; </u>has
the meaning set forth in <b>Section 3.18(a).</b></p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>1.21 <u>&quot;Company
Customer&quot; </u>means any Person to which the Company provides investment advisory, investment subadvisory, wrap,
brokerage, financial planning or similar services pursuant to a Company
Customer Contract.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>1.22
<u>&quot;Company Customer Contract&quot; </u>means each material Contract
pursuant to which the Company provides investment advisory,
investment subadvisory, wrap, brokerage, financial planning or related services to any Person.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>1.23 <u>&quot;Company
Disclosure Letter&quot; </u>means the letter from the Company to Parent, dated the date hereof and as amended or
supplemented from time to time in accordance with <b>Section
6.12(b), </b>of exceptions to the representations and warranties made,
and the listings of information provided, by the Company pursuant to the terms
and conditions hereof.</p>

<p class=MsoNormal align=right style='margin-top:.1in;margin-right:1.8pt;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:left;
line-height:130%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.24 <u>&quot;Company Financial
Information&quot; </u>has the meaning set forth in <b>Section 3.9(a).</b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>1.25 <u>&quot;Company
Lease&quot; </u>means any lease, sublease or license, including any amendment
with respect thereto, pursuant to which the Company uses, leases, subleases, occupies or
holds any material Company Leased Real Property in connection with the Business.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>1.26 <u>&quot;Company
Leased Real Property&quot; </u>means the real property leased, subleased, occupied and/or licensed by the Company or any
Controlled Affiliate of the Company, as tenant, subtenant or licensee in connection with the Business, together
with, to the extent leased, subleased,
occupied and/or licensed in connection with the Business by the Company or any Controlled Affiliate of the
Company, all buildings and other structures, facilities or improvements
currently located thereon, all fixtures thereto, and all easements, licenses,
rights and other appurtenances relating to the foregoing.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>1.27 <u>&quot;Company
Licensed Intellectual Property&quot; </u>means the Intellectual Property used in the
Business that is not Company Owned Intellectual Property, excluding standard, commercially
available software licensed via &quot;click-wrap&quot; or
&quot;shrink-wrap&quot; license agreements.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>1.28
<u>&quot;Company Owned Intellectual Property&quot; </u>means the Intellectual
Property solely or
primarily related to the Business that is owned by the Company.</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;line-height:120%'>1.29 <u>&quot;Company
Qualified Plan&quot; </u>has the meaning set forth in <b>Section </b><b>3.11(d).</b></p>

<p class=MsoNormal align=right style='margin-top:9.0pt;margin-right:1.8pt;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:left;
line-height:115%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.30 <u>&quot;Company Stock&quot; </u>means the
Company's common shares, no par value per share.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>1.31 <u>&quot;Confidential
Information&quot; </u>means any and all information not publicly available or
generally available to the industry, which relates to specific matters
concerning BWC, the
Company's Controlled Affiliates or the Business of the Company.</p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.5in'>1.32 <u>&quot;Consent&quot;
</u>means any consent, approval, authorization, waiver, permit, license,
grant, agreement, exemption or order of or registration, declaration or filing
with,</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>any Person,
including any Governmental Authority, that is required in connection with (a) the execution
and delivery by UCFC, BWC, the Company, Stifel Nicolaus (if applicable) and/or
Parent of this Agreement or any Related Agreement or (b) the consummation by UCFC, BWC, Parent, Stifel
Nicolaus and/or the Company of the transactions contemplated hereby and
thereby.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.33 <u>&quot;Contract&quot;
</u>means any written contract, agreement, understanding, lease, indenture, mortgage, deed of trust, evidence of
indebtedness, binding commitment or instrument
or offer to which the Company or any Controlled Affiliate of the Company is a party
or by which any of their respective assets is bound.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.34 <u>&quot;Controlled
Affiliate&quot; </u>of any Person means a Person that is directly or indirectly controlled by such
other Person (it being the intention of the parties that a Controlled Affiliate
of the Company means any direct or indirect subsidiary which is directly or
indirectly controlled by the Company).</p>

<p class=MsoNormal style='margin-top:.15in;line-height:117%' align="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.35&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Disclosing Party&quot; </u>has the
meaning set forth in <b>Section 6.1.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.5in'> 1.36&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Effective Time&quot; </u>means the effective time of the
Closing, which shall be<br>
deemed to be as of 11:00 p.m. Central time on the Closing Date.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.37&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;ERISA&quot; </u>means the Employee Retirement Income
Security Act of 1974 and<br>
regulations promulgated thereunder, as amended from time to time.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;1.38 <u>&quot;ERISA
Affiliate&quot; </u>means with respect to any specified Person, any other
Person that is or has been treated as a single employer with such specified
Person for purposes
of Section 414 of the Code.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.39&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Escrow Agent&quot; </u>means U.S. Bank National
Association, or an agent to be<br>
mutually agreed to by Parent and UCFC.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.40 <u>&quot;Escrow Agreement&quot; </u>means the
escrow agreement to be entered into among UCFC, BWC, Parent and the Escrow
Agent relating to the escrow of the Indemnification Escrow Amount, in a form mutually agreeable to the
Parties and otherwise on commercially reasonable terms.</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:130%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.41&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Escrow Claim Notice&quot; </u>has
the meaning set forth in <b>Section 9.6(c).</b></p>

<p class=MsoNormal style='margin-top:.1in;line-height:118%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.42&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Escrow Period&quot; </u>has the
meaning set forth in <b>Section 9.6(c).</b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.5in'> 1.43&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Estimated Closing Date Balance Sheet&quot; </u>has the
meaning set forth in <b>Section 2.3.</b></p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:130%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.44&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Estimated Net Equity Value&quot; </u>has
the meaning set forth in <b>Section 2.3.</b></p>

<p class=MsoNormal style='margin-top:.1in;text-indent:.5in'> 1.45&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Exchange Act&quot; </u>means the United States Securities
Exchange Act of 1934,<br>
as amended, and the rules and regulations promulgated thereunder by the
SEC.</p>

<p class=MsoNormal style='margin-top:.15in;line-height:130%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.46&nbsp;&nbsp;&nbsp; <u>&quot;Filings&quot; </u>has the meaning set
forth in <b>Section 3.7(j).</b></p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">7</p>
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<p class=MsoNormal style='margin-top:1.8pt;text-indent:.5in'> 1.47&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Final Closing Date Balance Sheet&quot; </u>has the meaning
set forth in <b>Section 2.4(a)(ii).</b></p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.48 <u>&quot;FINRA&quot;
</u>means the Financial Industry Regulatory Authority (including any predecessor entity, including without limitation
the National Association of Securities Dealers,
Inc., as applicable for purposes of the Company's representations and
warranties herein).</p>

<p class=MsoNormal style='margin-top:.15in;line-height:150%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.49&nbsp; <u>&quot;First Escrow Release Date&quot; </u>has
the meaning set forth in <b>Section 9.6(c).</b></p>

<p class=MsoNormal style='text-align:justify;text-indent:.5in'>&nbsp;1.50 <u>&quot;GAAP&quot; </u>means
the accounting principles generally accepted in the U.S., including as set forth in the opinions and
pronouncements of the Accounting Principles Board of the American
Institute of Certified Public Accountants and statements and pronouncements of the Financial Accounting
Standards Board, and applied consistently throughout the periods
involved.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.51 <u>&quot;Governmental
Authority&quot; </u>means any federal, national, supranational, state, provincial, local, or similar government,
governmental, regulatory or administrative authority, agency or commission or any court, tribunal, or judicial or
arbitral body, including the SEC and any SRO within or outside the
United States.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;1.52 <u>&quot;Income
Tax&quot; </u>means any Tax imposed upon or measured by net income or gross income
(excluding any Tax based solely on gross receipts) including any interest, penalty, or additions thereto,
whether disputed or not.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.53 <u>&quot;Indebtedness&quot;
</u>means, without duplication, (a) all indebtedness for borrowed
money or for the deferred purchase price of property or services (other than current
trade liabilities incurred in the Ordinary Course), whether or not evidenced by
a writing, (b) any
other indebtedness that is evidenced by a note, bond, debenture, draft or
similar instrument, (c) all obligations under financing or capital leases, (d)
all obligations in respect of acceptances
issued or created, (e) notes payable and drafts accepted representing
extensions of credit, (f) all liabilities secured by any Lien on any property
other than liens relating to equipment leased by the Company not
constituting a capital lease, (g) letters of credit
and any other agreements relating to the borrowing of money or extension of
credit and (h) any guarantee (including by way of a &quot;keep well&quot; or
other similar undertaking) of any of the foregoing obligations.</p>

<p class=MsoNormal style='margin-top:.15in;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.54&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Indemnified Losses&quot; </u>has the
meaning set forth in <b>Section 9.2.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.55&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Indemnified Party&quot; </u>has the
meaning set forth in <b>Section 9.4.</b></p>

<p class=MsoNormal style='margin-top:.15in;line-height:121%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.56&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Indemnifying Party&quot; </u>has the
meaning set forth in <b>Section 9.4.</b></p>

<p class=MsoNormal style='margin-top:.1in;text-align:justify;text-indent:.5in'>&nbsp;1.57 <u>&quot;Intellectual Property&quot; </u>means any of the following
which is material to the Business: all material patents, patent
applications, Trademarks, copyrights, copyright registrations and applications for registration thereof, Internet domain
names and universal resource locators (URLs), trade secrets, inventions
(whether or not patentable), invention disclosures, moral and economic rights
of authors and inventors (however denominated), technical data, customer
lists, know-how, show-how, maskworks, formulae, methods</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">8</p>
  </td>
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>(whether or
not patentable), designs, processes, procedures, technology, source codes,
object codes,
computer software programs, databases, data collectors and other proprietary information or material of any type, whether
written or unwritten (and all good will associated with, and all derivatives, improvements and refinements of,
any of the foregoing).</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:116%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.58&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Internal Controls&quot;</u></p>

<p class=MsoNormal style='margin-top:.15in;line-height:117%'>has the meaning
set forth in <b>Section 3.9(d).</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.59&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;IRS&quot; </u>means the United
States Internal Revenue Service.</p>

<p class=MsoNormal align=right style='margin-top:.1in;text-align:left;
line-height:115%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.60&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Indemnification
Escrow Amount&quot; </u>has the meaning set forth in <b>Section 9.6(c).</b></p>

<p class=MsoNormal style='margin-top:.15in;line-height:115%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.61&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Investment Company Act&quot;</u></p>

<p class=MsoNormal style='margin-top:9.0pt'>means the United States Investment Company Act of 1940,
as amended, and the rules and regulations promulgated thereunder by the SEC.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;1.62 <u>&quot;Knowledge&quot; </u>or <u>&quot;knowledge&quot; </u>means,
with respect to Company, the actual knowledge
of the individuals set forth in <u>Annex A </u>hereto and, with respect to
Parent, means the actual knowledge of
the individuals set forth in <u>Annex B </u>hereto, which in each case shall be
deemed to include the knowledge any such person would have had if he or she had
made a reasonable investigation and
due inquiry of those persons that such individual would reasonably expect to have actual knowledge of the
relevant subject matter. The words <u>&quot;know,&quot;
&quot;knowing&quot; </u>and <u>&quot;known&quot; </u>shall be construed
accordingly.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.63 <u>&quot;Liability&quot;
</u>or <u>&quot;Liabilities&quot; </u>means all debts, adverse claims,
liabilities and/or obligations, direct,
indirect, absolute or contingent, whether accrued, vested or otherwise and whether
or not reflected or required to be reflected on the financial statements of a
Person.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.64&nbsp;&nbsp;&nbsp;&nbsp; &quot;Lien&quot; means any lien, security interest, mortgage,
indenture, deed of trust,<br>
pledge, charge, adverse claim, easement, restriction or other
encumbrance.</p>

<p class=MsoNormal style='margin-top:.15in;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.65&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Losses&quot; </u>has the meaning set
forth in <b>Section 9.2.</b></p>

<p class=MsoNormal align=right style='margin-top:9.0pt;text-align:left'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.66&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Management Closing Bonus
Amount&quot; </u>has the meaning set forth in <b>Section 6.5(d).</b></p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:116%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.67&nbsp;&nbsp;&nbsp; <u>&quot;Material Adverse Effect&quot; </u>means:</p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:1.0in'>(a) with
respect to the Company and its Controlled Affiliates, a material adverse
effect on the assets, business, financial condition or results of operations of
the Company and its Controlled Affiliates taken as a whole, but shall not be
deemed to include (i)
any changes resulting from general economic, regulatory or political
conditions, (ii) circumstances that
generally affect the industries in which the Company and its Controlled Affiliates operate, (iii) any changes resulting
from the announcement, pendency or Closing of the transactions provided
for in this Agreement, including the impact thereof on relationships with
customers of the Company or any of its Affiliates, suppliers, vendors,</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>lenders, joint venture
participants or employees, (iv) disruptions of supplies or acts of terrorism, war or acts of God, national or
international political or social conditions, including the engagement by the United States in hostilities, whether or
not pursuant to the declaration of a
national emergency or war, or (v) any adverse effect that the Company, UCFC
or BWC otherwise cures prior to Closing; and</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
1.0in'>(b)
with respect to Parent, a material adverse effect on the assets, business,
financial condition or results of operations of Parent's and its subsidiaries' businesses
taken as a whole, but shall not be deemed to include (i) any changes resulting from
general economic, regulatory or political conditions, (ii) circumstances that
generally affect the industries in which Parent and its subsidiaries operate,
(iii) any changes resulting from the announcement, pendency or Closing of
the transactions provided for in this Agreement, including the impact thereof
on relationships with customers of the Company or any of its
Affiliates, suppliers, vendors, lenders, joint venture participants or
employees, (iv) disruptions of supplies or acts of terrorism, war or acts
of God, national or international political or social conditions, including the
engagement by the United States in hostilities, whether or not pursuant to the
declaration of a national emergency or war, or (v) any adverse effect that the Parent
otherwise cures prior to Closing.</p>

<p class=MsoNormal style='margin-top:.15in;line-height:113%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.68&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Material Contract&quot; </u>has the meaning set forth in <b>Section 3.15.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>&nbsp;1.69 <u>&quot;Net Equity Value&quot; </u>means (a) the
total consolidated assets of the Company less (b) the total consolidated liabilities of the
Company, in each case as reflected on the Estimated Closing Date Balance Sheet
or the Final Closing Date Balance Sheet, as the case may be, in accordance with GAAP, and the accounting principles,
procedures, policies and methods used
in the preparation of the Reference Balance Sheet; <i>provided that </i>the
liability for the accrual for the
payments contemplated by <b>Section </b>6.5(d) hereof (and
any intercompany receivable for the Income Tax benefits allocable to the
Company due from UCFC in respect thereof) shall be eliminated and
disregarded in the preparation of the Estimated Closing Date Balance Sheet and the Final
Closing Date Balance Sheet.</p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:115%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.70&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Non-Competition Period&quot; </u>has the meaning set forth in <b>Section 6.3(a).</b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.5in'> 1.71&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Non-Income
Taxes&quot; </u>means any Taxes other than Income Taxes, including<br>
any interest,
penalties or additions thereto, whether or not disputed.</p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.5in'> 1.72&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Non-Registered
Fund&quot; </u>means any pooled investment vehicle that is not<br>
registered as an
investment company under the Investment Company Act.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.73&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Order&quot;
</u>means an order, writ, injunction, or decree of any court or<br>
Governmental
Authority.</p>

<p class=MsoNormal style='margin-top:.1in;text-align:justify;text-indent:.5in'>&nbsp;1.74 <u>&quot;Ordinary Course&quot; </u>means, with
respect to the Business, only the ordinary course of commercial operations
customarily engaged in by the Company and its Controlled Affiliates
consistent with prior practices. For purposes hereof, Ordinary Course shall not
include
(a) any material violation or material default under any applicable Requirement
of Law or (b) any activity which the Company has expressly agreed not to
undertake pursuant to
this Agreement.</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">10</p>
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<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:9.0pt;
margin-left:.5in;line-height:112%'>1.75 <u>&quot;Parent&quot;</u></p>

<p class=MsoNormal style='margin-top:1.8pt;line-height:130%'>has the meaning
set forth in the introductory paragraph hereof.</p>

<p class=MsoNormal style='margin-top:.1in;text-indent:.5in'> 1.76&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Parent Common Stock&quot; </u>means the common stock, par
value $0.15 per<br>
share, of Parent.</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:111%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.77&nbsp;&nbsp;&nbsp; <u>&quot;Parent Disclosure Letter&quot;</u></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify'>means the letter from Parent to
UCFC, dated the date hereof and as amended or supplemented
from time to time in accordance with <b>Section 6.12(b), </b>of
exceptions to the representations and warranties made, and the listings of
information provided, by Parent pursuant to the terms and conditions hereof.</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:121%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.78&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Parent Indemnified Persons&quot; </u>has
the meaning set forth in <b>Section 9.2.</b></p>

<p class=MsoNormal align=right style='margin-top:9.0pt;margin-right:.1in;
margin-bottom:0in;margin-left:0in;margin-bottom:.0001pt;text-align:left;
line-height:121%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; 1.79&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Party&quot;
</u>or <u>&quot;Parties&quot; </u>has the meaning set forth in the first
paragraph hereof.</p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:121%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.80&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;PBGC&quot; </u>means the Pension
Benefit Guaranty Corporation.</p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:115%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.81&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Pension Plan&quot;</u></p>

<p class=MsoNormal style='margin-top:.15in;line-height:121%'>means an
employee pension benefit plan (within the meaning of ERISA Section 3(2)).</p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.5in'> 1.82&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Permits&quot; </u>means all material licenses,
registrations, franchises, permits,<br>
certificates, approvals, accreditations, or other similar
authorizations.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;1.83 <u>&quot;Permitted
Liens&quot; </u>means, collectively, (a) Liens that are disclosed in the Company Disclosure Letter or identified in the
Company Financial Information, (b) liens for Taxes, fees, levies, duties or other governmental charges of any kind
which are not yet delinquent or are being contested in good faith by
appropriate proceedings, (c) liens for mechanics,
materialmen, laborers, employees, suppliers or similar liens arising by
operation of law for amounts which are owed, but not yet delinquent, (d)
in the case of real property, any matters, restrictions, covenants, conditions, limitations,
rights, rights of way, encumbrances,
encroachments, reservations, easements, agreements and other matters of record,
such state of facts of which an accurate survey or title search of the property
would reveal and (e) other minor encumbrances in property that do not
materially impair the use of such property
in the normal operation of the Business or the value of such property for the purpose
of such Business.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.84 <u>&quot;Person&quot;
</u>means and shall include a natural person, a partnership, a corporation,
a limited liability company, an association, a joint stock company, a trust, a
joint venture, an unincorporated organization or a governmental entity (or any
department, agency
or political subdivision thereof).</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;1.85 &quot;Plan&quot; means any
agreement, arrangement, plan, or policy, qualified or non-qualified, whether or not considered legally
binding and whether or not written, that involves any (a) pension, retirement, profit sharing,
savings, deferred compensation, stock option, stock purchase, phantom
stock, or incentive plan; (b) welfare or &quot;fringe&quot; benefits, including</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">11</p>
  </td>
 </tr>
</table>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>without
limitation vacation, holiday, severance, disability, medical, hospitalization,
dental, life and other insurance, tuition, company car, club dues, sick
leave, maternity, paternity or family leave, health care reimbursement,
dependent care assistance, cafeteria plan, regular in-kind gifts or
other benefits; or (c) any employment, consulting, engagement, retainer or golden
parachute agreement or arrangement, including without limitation any &quot;employee
benefit
plan&quot; as defined in ERISA Section 3(3) (together <u>&quot;Plans&quot; </u>and
each item thereunder a &quot;Plan&quot;).</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.86 <u>&quot;Post-Closing
Periods&quot; </u>means all taxable periods commencing after the Effective Time and the portion of any Straddle
Period commencing after the Effective Time.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.87&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Pre-Closing Periods&quot; </u>means all taxable periods ending as of or prior to
the<br>
Effective Time and the portion of any Straddle Period ending as of the
Effective Time.</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.88&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Proceeding&quot; </u>has the meaning set forth in <b>Section 3.7(k).</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.89&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Purchase Price&quot; </u>has the meaning set forth in <b>Section 2.2.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.90&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Receiving Party&quot; </u>has the meaning set forth in <b>Section 6.1.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.91&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Records&quot; </u>has the meaning set forth in <b>Section 6.7.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:121%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.92&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Reference Balance Sheet&quot;
</u>has the meaning set forth in <b>Section
3.9(a).</b></p>

<p class=MsoNormal style='margin-top:5.4pt;margin-right:2.95in;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt;text-indent:.5in;line-height:200%'> 1.93&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Reference Income
Statement&quot;<br>
</u>has the meaning set forth in <b>Section 3.9(a).</b></p>

<p class=MsoNormal style='text-align:justify;text-indent:.5in'>&nbsp;1.94 <u>&quot;Registered
Investment Company&quot; </u>means any pooled investment vehicle that is
registered or required to be registered as an investment company under the Investment Company Act.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.95&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Related. Agreements&quot; </u>means the Escrow Agreement and any other<br>
certificate or document to be delivered by the parties pursuant to this
Agreement.</p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.5in'> 1.96&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Requested Indemnification Escrow Amount&quot; </u>has the meaning set forth in<br>
<b>Section 9.6(c).</b></p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;1.97 <u>&quot;Requirement of Law&quot; </u>means, with respect to any
Person, any domestic or foreign federal or state statute, law,
ordinance, rule, administrative code, administrative interpretation, regulation, order, consent, writ, injunction, directive,
judgment, decree, policy, ordinance,
decision, guideline or other requirement of (or agreement with) any Governmental
Authority (including any memorandum of understanding or similar arrangement with any Governmental Authority), in
each case binding on that Person or its property or assets.</p>

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  <td valign=top align=left height=19 style='padding-top:0in;padding-right:
  5.0pt;padding-bottom:0in;padding-left:5.0pt'>
  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">12</p>
  </td>
 </tr>
</table>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>1.98 <u>&quot;Revenue
Sharing Agreements&quot; </u>means those certain revenue sharing agreements
between the Company and Butler Wick Trust Company, as set forth in <u>Section </u><u>1.98 of the Company Disclosure
Letter.</u></p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;line-height:120%'>1.99 &quot;SEC&quot; means the Securities and Exchange Commission.</p>

<p class=MsoNormal style='margin-top:5.4pt;margin-right:.15in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;line-height:200%'>1.100 <u>&quot;Second Escrow Release Date&quot; </u>has the meaning set
forth in Section 9.6(c). 1.101 <u>&quot;Securities Act&quot;</u></p>

<p class=MsoNormal>means
the United States Securities Act of 1933, as amended, and the rules and
regulations promulgated thereunder by the SEC.</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:.4in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;line-height:200%'>1.102 <u>&quot;Seller Indemnified Persons&quot; </u>has the meaning set
forth in <b>Section 9.3. </b>1.103 <u>&quot;Sellers&quot; </u>has
the meaning set forth in the introductory paragraph. 1.104 <u>&quot;September 30, 2008 Financial Information&quot;</u></p>

<p class=MsoNormal style='line-height:118%'>has the meaning set forth in <b>Section
3.9(a).</b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.5in'>1.105 <u>&quot;Shares&quot;
</u>means the 1,030 shares of Company Stock to be sold by Sellers to Parent (or Stifel Nicolaus, as
assignee of Parent pursuant to <b>Section </b><b>11.4) </b>hereunder.</p>

<p class=MsoNormal style='margin-top:5.4pt;text-align:justify;text-indent:.5in'>1.106 <u>&quot;SRO&quot;
</u>means FINRA, the National Futures Association, each national securities
exchange in the United States and each other board or body, whether United States or foreign, that is
charged with the supervision or regulation of brokers, dealers, commodity pool operators, commodity trading
advisors, futures commission merchants, securities underwriting or trading,
stock exchanges, commodities exchanges, insurance companies or agents,
investment companies or investment advisers.</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:.05in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;line-height:200%'>1.107 <u>&quot;Stifel Nicolaus&quot; </u>has the meaning set forth in the
recitals of this Agreement. 1.108 <u>&quot;Straddle
Period&quot; </u>has the meaning set forth in <b>Section 1.1(c).</b></p>

<p class=MsoNormal style='text-align:justify;text-indent:.5in'>1.109 <u>&quot;Subsidiary&quot;
</u>means, with respect to any specified Person, any other Person of which
such specified Person (either alone or through or together with any other Subsidiary) owns, directly or
indirectly, twenty percent (20%) or more of the outstanding equity securities or securities carrying a
majority of the voting power in the election of the board of directors
or other governing body of such Person.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>1.110 <u>&quot;Tax Returns&quot; </u>means
all reports, estimates, declarations, claims for refund, information statements and returns relating to or
required by Requirements of Law to be filed in connection with any Taxes, and
reports relating to Taxes payable by, pursuant to or in connection with
any Plans, including any amendment or supplement thereof. Any one of the
foregoing Tax Returns shall be referred to sometimes as a <u>&quot;Tax
Return.&quot;</u></p>
<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>
1.111 &quot;<u>Taxes&quot;</u> means all taxes, charges, fees, levies, or other like
assessments, including without limitation, all federal, possession, state, city,
county and foreign (or govermental unit, agency, or political subdivision of any
foregoing) income, profits,&nbsp; </p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">13</p>
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>employment
(including Social Security, unemployment insurance and employee income tax withholding),
franchise, gross receipts, sales, use, transfer, stamp, occupation, property, capital,
severance, premium, windfall profits, customs, duties, ad valorem, value added
and excise taxes; PBGC premiums and any other charges of any Governmental
Authority of the same or similar nature, including any interest, penalty or
addition thereto, whether disputed or not and including any obligations
to indemnify or otherwise assume or succeed to the Tax liability of
any other Person. Any one of the foregoing Taxes shall be referred to sometimes
as a
&quot;Tax.&quot;</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.112&nbsp;&nbsp; <u>&quot;Territory&quot; </u>has the meaning
set forth in <b>Section 6.3(a).</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:118%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.113&nbsp;&nbsp; <u>&quot;Third Person&quot; </u>has the meaning
set forth in <b>Section 9.5.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.114&nbsp;&nbsp; <u>&quot;Third Person Claim&quot; </u>has the
meaning set forth in <b>Section 9.5.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>&nbsp;1.115 <u>&quot;Trademarks&quot;
</u>means all registered and unregistered trademarks, service marks, trade names, corporate and
business names, brand names, designs, logos, emblems, signs or insignia,
slogans, Internet domain names, other similar designations of source or origin and general intangibles of like nature,
including registrations and applications for registration for any of the
foregoing, together with the goodwill symbolized by any of the foregoing.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 1.116&nbsp;&nbsp; <u>&quot;Treasury Regulations&quot; </u>means the rules and
regulations under the Code<br>
issued by the U.S. Department of Treasury.</p>

<p class=MsoNormal style='margin-top:.15in;line-height:117%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.117&nbsp; <u>&quot;UCFC&quot; </u>has the meaning set
forth in the introductory paragraph.</p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>&nbsp;1.118 <u>&quot;UCFC
Benefit Plan&quot; </u>means each Plan, other than a Company Benefit Plan, to which UCFC or any of its ERISA
Affiliates sponsors, maintains or contributes to, or is required to contribute to, or under which UCFC or any of its ERISA
Affiliates has or may have any Liability.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;1.119 <u>&quot;UCFC
Disclosure Letter&quot; </u>means the letter from UCFC and BWC to Parent, dated the date hereof and as amended or
supplemented from time to time in accordance with <b>Section 6.12(b), </b>of
exceptions to the representations and warranties made, and the listings of information provided, by UCFC and BWC
pursuant to the terms and conditions hereof.</p>

<p class=MsoNormal align=right style='margin-top:.15in;text-align:left'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.120&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>&quot;Unaudited Financial
Information&quot; </u>has the meaning set forth in <b>Section 3.9(a)</b>.</p>

<p class=MsoNormal align=center style='margin-top:12.6pt;text-align:center'><b>ARTICLE 2</b><br>
<b>PURCHASE AND SALE OF SHARES</b></p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;2.1 <u>Transfer of Shares. </u>Upon
the terms and subject to the conditions of this Agreement, at the Closing on the Closing Date and as of the Effective
Time, BWC shall, and UCFC shall
cause BWC to, sell, assign, transfer and convey to Parent (or if Parent shall
so elect, Stifel Nicolaus, as assignee
of Parent pursuant to <b>Section 11.4), </b>and Parent (or if Parent shall so elect, Stifel Nicolaus, as
assignee of Parent pursuant to <b>Section 11.4) </b>shall</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt'>purchase, acquire and accept from BWC, all of BWC's
right, title and interest in and to the Shares free and clear of all Liens.</p>

<p class=MsoNormal style='margin-top:12.6pt;line-height:115%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Consideration.</u></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a) Subject
to adjustment pursuant to <b>Section </b>2.4 hereof, in consideration for the sale of the
Shares, the aggregate purchase price payable by Parent (or if Parent shall so
elect, Stifel Nicolaus, as assignee of Parent pursuant to <b>Section </b>11.4)
to the Sellers shall be $12,000,000 (the <u>&quot;Purchase
Price&quot;). </u>The Purchase Price shall be reduced on a dollar-for-dollar basis to the extent that the
Net Equity Value at Closing (determined in accordance with <b>Section </b>2.4
hereof) is less than $9,900,000.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (b)&nbsp; At
Closing, Parent (or if Parent shall so elect, Stifel Nicolaus, as assignee of Parent pursuant to <b>Section 11.4) </b>shall
deliver, by wire transfer of immediately available funds (A) an amount
equal to (w) the Purchase Price, less (x) the Indemnification Escrow Amount,
less (y) the Tax Benefit Escrow Amount, and less (z) if the Estimated Net Equity Value is less than $9,900,000, the
difference between $9,900,000 and such Estimated Net Equity Value, to an
account designated by UCFC not less than two Business Days prior to Closing,
(B) the Indemnification Escrow Amount to the Escrow Agent pursuant to the terms
of the Escrow Agreement and (C) the Tax Benefit Escrow Amount to the Escrow Agent pursuant to the terms of the Escrow
Agreement, or otherwise pursuant to a separate escrow agreement with a
separate escrow agent as the parties may agree.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:1.0in'>(c) Subject
to the provisions of <b>Article </b>7 and Article 8, the closing of the purchase
and sale of the Shares and the transactions contemplated hereby (the <u>&quot;Closing&quot;)
</u>shall take place at 9:00 a.m. Central Time at the offices of Bryan Cave
LLP, One Metropolitan
Square, Suite 3600, St. Louis, Missouri 63102 on December 31, 2008, or otherwise as soon as possible, but in any event no
later than two (2) Business Days, after the date the last of the conditions set forth in <b>Articles </b>7 and 8
(other than conditions that by their
nature are to be satisfied at the Closing, but subject to the satisfaction or,
to the extent permissible, waiver of those conditions at the Closing)
has been satisfied or, to the extent permissible,
waived by the Party or Parties entitled to the benefit of such conditions, or
at such other place, at such other time or on such other date as Parent,
on the one hand, and UCFC, BWC and the Company, on the other hand, may mutually
agree (the date on which the Closing actually occurs being herein referred to
as the <u>&quot;Closing Date&quot;).</u></p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;2.3 <u>Preliminary
Information. </u>UCFC shall cause to be delivered to Parent, at least two Business
Days prior to the Closing Date, an estimated Closing Date balance sheet of the Company as of
immediately prior to the Closing (the <u>&quot;Estimated Closing Date Balance </u><u>Sheet&quot;),
</u>substantially in the form of the Reference Balance Sheet, prepared in
accordance with GAAP
and otherwise using the accounting principles, procedures, policies and methods
used by the Company in preparing the
Reference Balance Sheet and (B) a calculation, in reasonable detail
based upon such Estimated Closing Date Balance Sheet, setting forth<sub>,</sub>
the estimated amount of the Net Equity Value (the <u>&quot;Estimated Net Equity
Value&quot;).</u></p>

<p class=MsoNormal style='margin-top:.15in;line-height:130%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.4&nbsp;&nbsp;&nbsp;&nbsp; <u>Net Equity Value Purchase Price
Adjustment.</u></p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(a)&nbsp;&nbsp;&nbsp;&nbsp; (i) Not later than 60 days after the Closing Date or such other time as is
mutually agreed by the Parties, Parent shall cause to be prepared and delivered
to UCFC the Final Closing Date Balance Sheet prepared in accordance with <b>Section
2.4(a)(ii), </b>and a calculation, in reasonable detail based upon such
Final Closing Date Balance Sheet, setting forth the amount of the Net Equity Value.</p>

<p class=MsoNormal style='margin-top:.15in;text-indent:2.0in' align="justify">
(ii) Parent shall prepare or cause to
be prepared the final balance sheet of the
Company, as of immediately prior to the Closing, in accordance with GAAP and otherwise using the accounting principles,
procedures, policies and methods used by the Company in preparing the Reference
Balance Sheet, which shall be based on the audit of the financial statements of the Company conducted
with respect to the period ending December 31, 2008 (the &quot;Final Closing Date Balance Sheet&quot;). From
and after the Closing, in connection
with the preparation and delivery of the Final Closing Date Balance Sheet and
calculation of Net Equity Value as set forth therein and during the period of
any dispute contemplated by this Section 2.4, Parent
shall give, and use its reasonable best efforts to cause its advisors to give, UCFC
and its authorized representatives reasonable access to the relevant books and
records, facilities and employees of the Company, subject to the confidentiality and indemnity agreements as
executed by the parties contemporaneously herewith, as may be necessary to enable UCFC and its advisers to review
and analyze the Final Closing Date Balance Sheet and such calculations based
thereon.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (i) Within 60 days following its receipt of the Final
Closing Date Balance Sheet, UCFC shall deliver to Parent either (i)
its agreement as to the calculation of the Net Equity Value as set forth therein or (ii) a
written dispute notice, specifying in reasonable
<u>detail </u>the nature of its dispute of the calculation of the Net Equity
Value as set forth therein. In the event that UCFC does not deliver to
Parent a written dispute notice within 60
days following its receipt of the Final Closing Date Balance Sheet, as set
forth above, then UCFC shall be
deemed to agree to the calculation of the Net Equity Value as set forth in the Final Closing Date Balance Sheet.
During the 30 days after the delivery of a dispute notice to Parent, if applicable, Parent and UCFC shall attempt in
good faith to resolve any such dispute and finally determine the Net
Equity Value set forth in the Final Closing
Date Balance Sheet. If at the end of such 30-day period, Parent and UCFC have failed
to reach agreement with respect to such dispute, the matter shall be submitted
to a nationally recognized accounting firm
that is not the principal independent auditor for either Parent or UCFC and is otherwise neutral and
impartial; <i>provided, however, </i>that if Parent and UCFC are unable
to select such other accounting firm within 45 days after delivery of a dispute notice to Parent, either party may request
the American Arbitration Association to appoint, within 20 Business Days from
the date of such request, an independent public accountant with significant relevant experience and that is not the
principal independent auditor for
either Parent or UCFC. The accounting firm or accountant so selected shall be referred to herein as the <u>&quot;Accountant.&quot;
</u>The Accountant shall act as arbitrator and resolve the disputed portions of the calculation of the
Net Equity Value set forth in the Final Closing Date Balance Sheet in
accordance with the terms and conditions of this Agreement. In making such determination, the Accountant may only
consider those items and amounts as
to which Parent and UCFC have disagreed within the time periods and on the
terms specified above and must resolve the matter in accordance with the terms
and provisions of this Agreement; <i>provided
that </i>the determination of the Accountant will neither be more favorable
to Parent than reflected in the Final Closing Date Balance Sheet nor more</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>favorable to UCFC than reflected
in UCFC's dispute notice. The Accountant shall deliver to UCFC and Parent, as
promptly as practicable after its appointment, a written report setting forth the resolution of each disputed matter and
its determination of the Net Equity Value set forth in the Final Closing Date Balance Sheet as determined in
accordance with the terms of this
Agreement. Such report shall be final and binding upon the Parties to the
fullest extent permitted under
applicable Requirements of Laws and may be enforced in any court having
jurisdiction. Each of Parent and UCFC shall bear all the respective fees and
costs incurred by it in connection with this
arbitration, and Parent and UCFC shall equally bear all fees and
expenses relating to the foregoing work by the Accountant.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(c)
On the second Business Day after the later of (x) the date UCFC and Parent
agree to the calculation of the Net Equity Value as set forth in the Final
Closing Date Balance Sheet and (y) if UCFC and Parent are unable to
agree on such calculation of the Net Equity Value, the date that UCFC and
Parent receive notice from the Accountant, of the final determination of the
amount(s) being so disputed, the Purchase Price shall be adjusted as follows:</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(i)&nbsp;&nbsp; If the Net Equity Value is equal to or greater than $9,900,000, no
adjustment will be made, and Parent will pay to UCFC the difference,
if any, between $9,900,000 and the Estimated Net Equity Value, if the latter
is lower than $9,900,000 <i>(provided that </i>the aggregate Purchase Price shall
not exceed $12,000,000).</p>

<p class=MsoNormal style='margin-top:5.4pt;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (ii)&nbsp; If the Net Equity
Value is less than $9,900,000, the Purchase Price shall be reduced dollar-for-dollar by the amount of such
difference, and either (A) UCFC shall pay to Parent the difference between the Estimated Net Equity Value and the Net
Equity Value (if the Estimated Net Equity Value is higher than the Net Equity
Value) or (B) Parent shall pay to UCFC the difference between the Net Equity
Value and the Estimated Net Equity Value (if the Net Equity Value is higher than the Estimated Net Equity Value,
but less than $9,900,000).</p>

<p class=MsoNormal style='margin-top:5.4pt;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (iii)
Any payment so required to be made by UCFC or Parent pursuant to this <b>Section </b>2.4(c) shall
be by transfer of immediately available funds to an account or accounts specified in writing by UCFC or
Parent (as the case may be) and shall bear interest from the Closing Date through the date of payment at the
prime lending rate as reported in <i>The Wall </i><i>Street Journal.</i></p>

<p class=MsoNormal style='margin-top:5.4pt;text-align:justify;text-indent:.5in'>2.5 <u>Additional
Actions. </u>If, at any time after the Effective Time, Parent shall reasonably determine that any
deeds, bills of sale, stock powers, assignments, assurances or any other actions or things are necessary or
desirable to vest, perfect or confirm of record or otherwise in Parent
(or Stifel Nicolaus, as assignee of Parent pursuant to <b>Section 11.4) </b>its
right, title or interest in, to or under any of the Shares or otherwise to carry
out this Agreement, the officers and
directors of Parent (or Stifel Nicolaus, as assignee of Parent pursuant
to <b>Section 11.4) </b>shall be authorized to execute and deliver, in the name
and on behalf of Parent (or Stifel Nicolaus,
as assignee of Parent pursuant to <b>Section </b>11.4) or the Company, as the
case may be, all such deeds, bills of sale, assignments and assurances and to take and do, in the name and on behalf of Parent
or the Company, as the case may be, all such other actions and things as may be reasonably necessary or
desirable to vest, perfect or confirm
any and all right, title and interest in, to and under such Shares consistent
with the terms of this Agreement.</p>

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<p class=MsoNormal align=center style='margin-top:1.8pt;text-align:center'><b>ARTICLE 3<br>
REPRESENTATIONS AND WARRANTIES OF THE COMPANY</b></p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.95in'>The Company hereby makes the
following representations and warranties to Parent as of the date hereof and as
of the Closing.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;3.1 <u>Organization
and Good Standing; No Subsidiaries. </u>The Company is a corporation duly
organized, validly existing and in good standing under the laws of Ohio with full power and
authority to own, operate and lease its assets and to carry on its business as currently conducted. The Company is duly
qualified to do business and is in good standing (where applicable) as a
foreign corporation in each jurisdiction where the ownership, operation or leasing of its assets or
the conduct of its business as currently conducted requires such qualification, except for those jurisdictions
where the failure to be so qualified
or to be in good standing, individually or in the aggregate, would not
reasonably be expected to have a Material Adverse Effect. The Company
has made available to Parent true and complete copies of its certificate of
incorporation and bylaws. The Company does not own, directly or indirectly, any
equity or other interest in any Subsidiary.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;3.2 <u>Other
Interests.Section 3.2 of the Company Disclosure Letter </u>sets forth a true and
complete list of any material interest or investment in (whether equity or
debt) any corporation, partnership, limited liability company, joint venture,
business, trust or other Person owned, directly or indirectly, by the Company,
other than (i) interests or investments held by the Company for the account
of clients as of the date hereof and Liens on interests or investments securing
Indebtedness of such, clients or (ii) securities, interests and investments
maintained by the Company in the Ordinary Course.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;3.3 <u>Authorization;
Binding Obligations. </u>The Company has all necessary power and
authority to make, execute and deliver this Agreement and the Related
Agreements to which it is a party and to perform all of the obligations
to be performed by it hereunder and thereunder. The making, execution,
delivery and performance by the Company of this Agreement and the Related
Agreements and the consummation by it of the transactions contemplated hereby
and thereby have been duly and validly authorized by all necessary corporate
action on the part of the Company. This Agreement has been and, as of the Closing
Date, the Related Agreements will be, duly and validly executed and delivered
by the Company, and assuming the due authorization, execution and delivery by
Parent, each of this Agreement and the Related Agreements will constitute
the valid, legal and binding obligation of the Company, enforceable against
it in accordance with its terms, except as the enforceability hereof may be
limited by bankruptcy, insolvency, moratorium or other similar Requirements
of Law, now or hereafter in effect, relating to or affecting the rights of creditors
generally and the availability of specific remedies may be limited by legal and
equitable principles
of general applicability.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;3.4 <u>No
Conflicts. </u>Except as set forth in <u>Section 3.4 of the Company Disclosure </u><u>Letter, </u>the
execution, delivery and performance by the Company of this Agreement and each of the Related Agreements to
which it is a party, and the fulfillment of and compliance with the respective terms hereof and thereof by the
Company, do not and will not (a) conflict with or result in a breach of
the terms, conditions or provisions of, (b) constitute a default or event of default under (whether with or without
due notice, the passage of time or both), (c)</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>result in the creation of any
Lien upon the shares of Company Stock to, (d) give any third party the right to modify, terminate or accelerate
any obligation under, (e) result in a violation
of or (f) require any Consent or other action by, notice to, or filing with,
any third party or Governmental
Authority pursuant to, the charter or bylaws of the Company, or any applicable Requirements of Law or Material Contract
to which the Company, or its properties
or the shares of Company Stock are subject except for such conflicts,
violations, Liens, contraventions, cancellations, defaults or Consents, the
failure of which to obtain or violation of which will not individually or in
the aggregate reasonably be expected to have a Material Adverse Effect.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;3.5
<u>Approvals. </u>There are no notices, reports or other filings required to be
made by the Company,
or Consents required to be obtained by the Company from, any Governmental Authority or other third party in
order for the Company to execute, deliver or perform this Agreement and the
Related Agreements and to consummate the transactions contemplated
hereby and thereby, except (a) as set forth in <u>Section 3.5 of the Company Disclosure Letter, </u>(b) Consents as may be required by FINRA, or (c)
where the failure to make such
notices, reports or other filings or the failure to obtain such Consents, individually or in the aggregate, would not
reasonably be expected to (i) prevent, impair or delay the consummation of the transactions contemplated by this
Agreement and the Related Agreements, or (ii) have or cause a Material
Adverse Effect.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;3.6 <u>Litigation.
</u>Except as set forth in <u>Section 3.6 of the Company Disclosure&nbsp; </u><u>Letter, </u>there is no investigation,
action, suit, proceeding, claim, arbitration or other litigation pending or, to
the Knowledge of the Company, threatened, nor to the Knowledge of the Company has any event occurred or circumstance
exist that may give rise to or serve as a basis for the commencement of any of the same, against or affecting the
Company or the Business (including any claim involving a Company Customer
Contract or a Company Customer or any Company Leased Real Property)
that, individually or in the aggregate, (a) as of the date of this Agreement, involves a claim against, or is
reasonably likely to result in a liability of the Business in excess of $50,000
net of existing reserves and after application of available insurance proceeds, if any, <i>provided that
</i>multiple claims or causes of action arising out of a single circumstance or a
collection of circumstances based on the same related set of facts shall be
deemed to be a single claim or cause of action for purposes of this
determination; (b) would reasonably be expected to have a Material Adverse
Effect; or (c) would affect the legality, validity or enforceability of this
Agreement or any Related Agreement or
prevent or materially impair or delay the consummation of the transactions contemplated
hereby or thereby. Except as set forth in <b>Section 3.6 </b>of
the Company Disclosure Letter, there are no
judgments, injunctions, writs, orders or decrees of any Governmental Authority
binding or, to the Knowledge of the Company, threatened to be imposed upon the Company that would (A) be
binding upon Parent or its subsidiaries (other than the Company) following consummation of such transactions
contemplated by this Agreement and the Related Agreements and which would
reasonably be expected to have a Material Adverse Effect on the Parent
and its subsidiaries (taken as a whole) or their businesses following Closing
on an aggregate basis, or (B) individually or in the aggregate, reasonably be
expected to have a Material Adverse Effect.</p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.5in'> 3.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Compliance with Requirements of Law, Regulatory Matters. </u>Except
as set
forth in <u>Section 3.7 of the Company Disclosure Letter:</u></p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (a)&nbsp;&nbsp;&nbsp;
The Company is, and since January 1, 2005 the Business has been operated, in
compliance in all material respects with all material Requirements of Law. Except as would not, individually
or in the aggregate, reasonably be expected to have a Material Adverse Effect,
since January 1, 2005, neither UCFC, BWC nor the Company has received any
written, or, to the Knowledge of the Company, oral notice from (and otherwise
does not have any Knowledge of) any Governmental Authority that alleges any noncompliance (or that the Company is under any
investigation by any such Governmental Authority
for such alleged noncompliance) with any Requirement of Law relating to the Business.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (b) (i)&nbsp; The Company holds all Permits
that are required in order to
conduct the Business in the manner presently conducted under and pursuant to
all Requirements of Law in all material respects; (ii) all such Permits are in
full force and effect and are not subject to any suspension, cancellation,
modification, revocation or any proceedings or investigations related thereto,
and, to the Knowledge of the Company, no such suspension, cancellation, modification,
revocation, proceeding or investigation is threatened,
nor do facts exist which would reasonably form the basis for any such suspension,
cancellation, modification, revocation, proceeding or investigation that, individually or in the aggregate, would reasonably
be expected to have a Material Adverse Effect; and (iii) the Company is
not in default, and no condition exists that with notice or lapse of time or otherwise would constitute a
default, under any such Permit that, individually
or in the aggregate, would reasonably be expected to have a Material Adverse Effect.</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:12.6pt;
margin-left:0in;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp; (c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Company is
not subject to or bound by any Requirement of Law other than
Requirements of Law imposed on similarly situated broker-dealers, that
restricts the
Business or relates to its capital adequacy, credit policies or management.</p>

<p class=MsoNormal style='text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp; (d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Company is duly registered as an investment adviser under the Advisers
Act and is registered, licensed or qualified as an investment adviser in each
state or any other jurisdiction where the conduct of its business required such
registration, licensing or qualification, except where the failure to be so
registered, licensed or qualified, individually or in the aggregate,
would not reasonably be expected to have a Material Adverse Effect. To the extent
that the Company relies on any statutory or regulatory exemption to avoid registration as an investment adviser with any
Governmental Authority, the Company has taken all actions required pursuant to
the Requirements of Law to claim and
maintain such exemption, except where the failure to claim or maintain such
exemption, individually or in the
aggregate, would not reasonably be expected to have a Material Adverse Effect. A correct and complete list of
each such current registration, license or qualification is set forth in
<u>Section 3.7(d) of the Company Disclosure Letter. </u>Except as set forth in <u>Section
3.7(d) of the Company Disclosure Letter, </u>the Company (i) is not and has not
been an &quot;investment adviser&quot;
within the meaning of the Advisers Act or any other applicable Requirements of Law and (ii) to the Knowledge of
the Company, is not subject to any material liability by reason of any
failure to be so registered, licensed or qualified.</p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.95in'>(e) The
Company is duly registered as a broker-dealer under the Exchange
Act, except where the failure to be so registered, individually or in the
aggregate, would not
reasonably be expected to have a Material Adverse Effect. The Company is</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>registered,
licensed or qualified as a broker-dealer in each state or any other
jurisdiction where the conduct of its business required such
registration, licensing or qualification, except where the failure to be so registered, licensed or
qualified, individually or in the aggregate, would
not reasonably be expected to have a Material Adverse Effect. To the extent
that the Company relies on any statutory or regulatory exemption to
avoid registration as a broker-dealer with
any Governmental Authority, the Company has taken all actions required pursuant to the Requirements of Law to claim and
maintain such exemption, except where the
failure to claim or maintain such exemption, individually or in the aggregate,
would not reasonably be expected to
have a Material Adverse Effect. A correct and complete list of each such
current registration, license or qualification is set forth in <u>Section
3.7(e) of the&nbsp; Company Disclosure Letter. </u>Except as set forth in <u>Section 3.7(e) of the
Company </u><u>Disclosure Letter, </u>the Company (i) is not and has not been a
&quot;broker&quot; or &quot;dealer&quot;, and is not and has not been required to be registered as a
&quot;broker&quot; or &quot;dealer&quot;, within the meaning of the Exchange Act or any other applicable
Requirements of Law and (ii) to the Knowledge of the Company, is not subject to any material liability or disability by
reason of any failure to be so registered, licensed or qualified.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:1.45in'>(f)&nbsp;&nbsp; The
Company is not and has not been (i) a commodity pool operator, futures
commission merchant, commodity trading advisor, trust company, real estate
broker, introducing broker, insurance company, insurance broker, insurance agent
or transfer agent within the meaning of any Requirement of Law or (ii) required
to be registered, licensed or qualified as a commodity pool operator, futures
commission merchant, commodity trading advisor, trust company, real estate
broker, introducing broker, insurance company, insurance broker, insurance agent, transfer
agent or in any other capacity under any Requirement of Law.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:1.0in'>(g) Neither the Company nor any
&quot;affiliated person&quot; (as defined in the Investment Company Act) of the
Company is ineligible or disqualified pursuant to Section 9(a) or 9(b) of the Investment Company Act to serve
as an investment adviser (or in any other
capacity contemplated in the Investment Company Act) to any Registered Investment
Company for which it currently serves as investment adviser, nor is there any
proceeding or investigation pending or, to the Knowledge of the Company,
threatened, by, any Governmental Authority, which would reasonably be expected
to result in any such ineligibility or disqualification. Neither the Company
nor any person &quot;associated&quot; (as defined in the Advisers Act) with the Company is ineligible or disqualified
pursuant to Section 203 of the
Advisers Act to serve as a registered investment adviser or person
&quot;associated&quot; (as defined
in the Advisers Act) with a registered investment adviser, nor is there any
proceeding or investigation pending or, to the Knowledge of the Company,
threatened, by, any Governmental Authority, which would reasonably be expected
to result in any such ineligibility or
disqualification. Neither the Company nor any of its &quot;associated persons
of a broker or dealer&quot; are ineligible or disqualified pursuant to Section
15, Section 15B or Section 15C of the
Exchange Act to serve as a broker-dealer or as an &quot;associated person of a
broker or dealer&quot; (as defined in
the Exchange Act), nor is there any proceeding or investigation pending or, to the Knowledge of the Company,
threatened, by, any Governmental Authority, which would reasonably be
expected to result in any such ineligibility or disqualification.</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (h)&nbsp;&nbsp; The officers and
employees of the Company who are required to be licensed or registered for the
activities conducted by them in respect of the Business are, and at all times
since January 1, 2005 have been, duly licensed or registered in each state or jurisdiction in which, and with each Governmental
Authority with whom, such licensing or registration
is so required except where the failure to be so licensed would not have or
cause a Material Adverse Effect. Each such registration or license is in
full force and effect, except where the
failure to be so licensed or registered, individually or in the aggregate,
would not reasonably be expected to have a Material Adverse Effect. To
the Knowledge of the Company, none of the
officers or employees of the Company is or, since January 1, 2005, has been
subject to any material disciplinary or other material regulatory compliance
action or material complaint by a Governmental Authority.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(i)&nbsp;&nbsp;&nbsp; All material registrations (including Forms BD and ADV), reports, prospectuses, proxy statements,
statements of additional information, financial statements, sales literature,
statements, notices and other filings required to be filed with any Governmental Authority, including all amendments
or supplements to any of the above (the <u>&quot;Filings&quot;) </u>required
to be filed by the Company since January 1, 2005 related to the Business have been filed in compliance in all material
respects with all Requirements of Law and the information contained
therein was true and correct in all material respects.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Section 3.70) of the Company
Disclosure Letter </u>sets forth a complete list of all
securities exchanges, commodities exchanges, clearing corporations and similar organizations in which the
Company holds memberships or has been granted trading privileges.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp; (k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Except
for routine examinations conducted by any Governmental Authority in the regular course
of the Business, since January 1, 2005 (i) no Governmental Authority has initiated any proceeding,
investigation, examination, audit or review into the Business (a <u>&quot;Proceeding&quot;)
</u>and, to the Knowledge of the Company, no such Proceeding is ongoing, unresolved or threatened by any
Governmental Authority and (ii) the Company has not received any notice
or communication (A) of any unresolved violation or exception by any Governmental Authority with respect to any
report or statement by any Governmental Authority relating to any examination of the Company, (B) threatening to
revoke or condition the continuation
of any Permit or (C) restricting or disqualifying their activities (except for
restrictions generally imposed by rule, regulation or administrative policy on
similarly regulated Persons generally), which would have or cause a Material
Adverse Effect.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:1.5in'>(l)&nbsp; The
Company has implemented one or more formal codes of ethics, insider
trading policies, personal trading policies and other material policies as may
be required by
Requirements of Law for itself and a complete and correct copy of each of such policies has been made available to Parent to the
Knowledge of the Company. Such codes of ethics, insider trading polices,
personal trading policies and other material policies comply in all material respects with Requirements of Law.
The policies of the Company respecting the avoidance of conflicts of interest are as set forth in the most recent
policy manuals of the Company, which
have been made available to Parent. Since January 1, 2005, there have been no violations by any officer or investment
professional of the Company of such code of ethics, insider trading
polices and personal trading policies which would reasonably be expected to
have a Material Adverse Effect.</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>(m)&nbsp;&nbsp;&nbsp;&nbsp; The
Company has complied in all material respects with all material Requirements of
Laws regarding the privacy of Company Customers and has established and complied in
all material respects with policies and procedures in this regard reasonably designed to ensure compliance
with Requirements of Law.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(n)&nbsp;&nbsp;&nbsp;
The Company, to the extent required by Requirements of Law, has a written
anti-money laundering program and a written customer identification program in compliance
with Requirements of Law and has complied with the terms of such program in all material respects.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;3.8 <u>Registered
Investment Companies; Non-Registered Funds. </u>Except as set forth in <u>Section 3.8 of the
Company Disclosure Letter, </u>the Company does not serve, nor at any time has
served, as an investment adviser or sponsor to any Registered Investment
Company or Non-Registered Fund.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;line-height:
115%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.9&nbsp;&nbsp;&nbsp;&nbsp; <u>Financial Statements.</u></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>(a)&nbsp; (i) The
audited balance sheets at December 31 in each of the years 2005, 2006 and 2007, and the
related audited statements of income, changes in shareholder equity and cash
flows and notes related thereto of the Company on a consolidated basis for each of the fiscal years then ended (the <u>&quot;Audited
Financial Information&quot;), </u>(ii) the unaudited consolidated balance sheet of the Company at
September 30, 2008 and related unaudited statements of income, changes in shareholder equity and cash flows and
notes related thereto of the Company
on a consolidated basis as of and for the nine-month period then ended (the <u>&quot;September 30, 2008 Financial
Information&quot;), </u>and (iii) an unaudited consolidated balance sheet of the Company at November 30, 2008
(the <u>&quot;Reference Balance Sheet&quot; </u>and together with the September
30, 2008 Financial Information, the <u>&quot;Unaudited Financial </u><u>Information&quot;) </u>and related unaudited statements of income,
changes in shareholder equity and
cash flows and notes related thereto of the Company as of and for the ten-month
period then ended (the <u>&quot;Reference
Income Statement&quot;), </u>including in each case the notes thereto (such information in items (i), (ii) and (iii)
collectively, the <u>&quot;Company Financial </u><u>Information&quot;) </u>have
been delivered to Parent. The Reference Balance Sheet is included as <u>Exhibit
3.9(a) </u>hereto. As of the date hereof, the Company has not made or declared
any dividends on the Company Stock since the date of the Reference Balance
Sheet.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(b) The Company
Financial Information has been (i) derived from the books of account and other financial records of the Company and (ii)
prepared in accordance with GAAP
consistently applied, subject only to normal recurring year-end adjustments and the absence of notes for the
Unaudited Financial Information and except as otherwise expressly provided in the Company Financial Information. The
Company Financial Information fairly presents in all material respects the
consolidated financial position of
the Company as of the respective dates thereof and their consolidated results
of operations and cash flows for the respective periods then ended
(subject, in the case of unaudited interim
financial statements, to the absence of notes and normal and recurring year-end
audit adjustments).</p>
<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The corporate minute books of the Company that have been made
available to the Parent for inspection are complete and correct in all material
respects. A</p>

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<p class=MsoNormal style='margin-top:1.8pt'>true and complete list of the
incumbent directors and officers of the Company is attached as <u>Section 3.9(c) of the Company
Disclosure Letter.</u></p>
<p class=MsoNormal style='margin-top:1.8pt'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Company
maintains in all material respects internal controls over financial reporting <u>(&quot;Internal
Controls&quot;) </u>to provide reasonable assurance regarding the reliability of financial reporting and the
preparation of financial statements for external purposes in accordance with GAAP, including policies and procedures that
(i) pertain to the maintenance of
records that in reasonable detail accurately and fairly reflect the transactions
and dispositions of the assets of the Company, (ii) provides reasonable
assurance that transactions are recorded as necessary to permit preparation of
financial statements in accordance with
GAAP, and that receipts and expenditures of the Company are being made only in accordance with authorizations of
management and directors of the Company and (iii) provide reasonable assurance regarding prevention or timely
detection of unauthorized acquisition,
use or disposition of the assets of the Company that could have a material
effect on the Company's financial statements.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>3.10 <u>Title; Sufficiency of
Assets. </u>Upon consummation of the transactions contemplated by this Agreement and the Related Agreements, Parent or one
or more of its subsidiaries and Controlled Affiliates (including the
Company), taken together, will own, possess, have a valid license to, have a
valid lease in or otherwise have the right to use all of the material rights,
properties and assets necessary to conduct the Business in all material
respects as currently conducted and as the same will be conducted on the
Closing Date, including all such assets
reflected in the Reference Balance Sheet or acquired since the date thereof
(collectively, the <u>&quot;Assets&quot;). </u>The Company has maintained in
all material respects all tangible
Assets in good repair, working order and operating condition, subject only to ordinary
wear and tear.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;line-height:127%'>3.11 <u>Employee
Benefit Plans; Employee Matters.</u></p>

<p class=MsoNormal style='text-align:justify;text-indent:1.0in'>(a) <u>Section
3.11(a)(i) of the Company Disclosure Letter </u>lists each Company Benefit
Plan. <u>Section 3.11(a)(ii) of the Company Disclosure Letter </u>lists each Company
Benefit Plan that is sponsored, maintained or contributed to or required to be contributed
to by the Company or in connection with which the Company has or may have any Liability.
No employee or former employee, including retirees, of the Company benefits by
virtue of employment or former employment with the Company under any Plan other
than the Plans set
forth in Sections 3.11(a)(i) and (ii) of the Company Disclosure Letter. Except
as disclosed in <u>Section 3.11(a) of the Company Disclosure Letter, </u>(i)
each Company Benefit Plan is in writing and the Company has made available to
Parent a true and complete copy of each
Company Benefit Plan and a true and complete copy of the following items (in
each case, only if applicable) (A) each trust or other funding arrangement, (B)
each summary plan description and
summary of material modifications, (C) the three most recently filed annual reports on the IRS Form 5500 for each such
Company Benefit Plan, including without
limitation all schedules thereto, all financial statements with attached
opinions of independent accountants
and all actuarial reports, and (D) the most recently received IRS determination
letter for each such Company Benefit Plan and any outstanding request for a determination letter, and (ii) the Company has no
express or implied commitment with respect
to the Business to create, incur any Liability with respect to or cause to
exist any other Plan or to modify, change or terminate any Company
Benefit Plan.</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>(b) Except as disclosed in <u>Section
3.11(b) of the Company Disclosure&nbsp; Letter, </u>(i) each of the Company Benefit Plans is, and has
always been, operated in accordance in all material respects with all
applicable provisions of ERISA, the Code, and all other Requirements of Law and has in all material respects been
administered, operated and managed in accordance with its governing
documents, (ii) no prohibited transactions (as defined in ERISA Section 406 or Code Section 4975), except any as to
which an exemption described in ERISA Section 408 applies, and no
violations of ERISA Section 407 have occurred with respect to any Company
Benefit Plan and (iii) each Company Benefit Plan (including any Plan covering former employees and retirees of the
Company) may be amended or terminated by the Company or other applicable
sponsor of the Plan on or at any time after the Closing Date.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(c)&nbsp; None of BWC, UCFC, the
Company nor any of their ERISA Affiliates has
now or at any time contributed to or been required to contribute to, sponsored,
or maintained, or has any liability with respect to, (i) a multiemployer plan
(as defined in ERISA Section 3(37) or
4001(a)(3)) or (ii) any Pension Plan which is subject to the provisions of Title IV of ERISA. For purposes
of the foregoing, the Company shall include each member of the
controlled group of which the Company is a member and which is under common
control. The Company is not a party to any arrangement that has resulted or would result in a payment that would not be
fully deductible as a result of Code Section 162(m) or Code Section 280G
or any similar provision of law. None of BWC, UCFC, the Company, the Subsidiaries of the Company or any of their ERISA Affiliates
has terminated or taken action to
terminate (in whole or in part) any Pension Plans within the last six years
that could result in any material liability to the Company or the Subsidiaries
of the Company.</p>
<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(d) Except as
disclosed in <u>Section 3.11(d) of the Company Disclosure Letter, </u>the IRS has
issued a favorable determination letter with respect to each of the Company
Benefit Plans that is intended to be qualified under Section 401(a) of the Code
(a <u>&quot;Company Qualified Plan&quot;) </u>to the effect that such plan
is qualified under Section 401(a) of the Code. No circumstances exist
that would adversely affect the qualified status of any Company Qualified Plan
or that could be expected to result in the revocation of the trust's exemption from United States
federal income taxation under Section 501(a) of the Code. Each Company Qualified Plan is identified in <u>Section
3.11(d) of the Company Disclosure&nbsp; Letter.</u></p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(e)&nbsp; Except as disclosed in <u>Section
3.11(e) of the Company Disclosure Letter, </u>each of the Company Benefit Plans that is a
nonqualified deferred compensation arrangement is listed in <u>Section 3.11(e)
of the Company Disclosure Letter, </u>and each such arrangement has been
maintained, administered and operated in material compliance with Code Section 409A and the regulations and guidance
thereunder, and each such Plan has been
amended to comply with Code Section 409A prior to the earlier of December 31,
2008 or the Closing Date.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(f)&nbsp; Except
as disclosed in <u>Section 3.11(f) of the Company Disclosure&nbsp; </u><u>Letter, </u>there are no
pending or, to the Knowledge of the Company, threatened material claims (other than claims for
benefits in the ordinary course), lawsuits or arbitrations which have been asserted or instituted against the
Company Benefit Plans, any fiduciaries thereof with respect to their duties to
the Company Benefit Plans or the assets of any of the trusts</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>under any of
the Company Benefit Plans, and the Company has no liability with respect to a Plan by
virtue of its being a member of a controlled group with a Person who has
liability under the
Code or ERISA.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(g)
To the Knowledge of the Company, no labor union, labor organization
or group of employees of the Company has made a pending demand for recognition or certification with
respect to the Business Employees, there are no representation or certification proceedings or petitions seeking a
representation proceeding with
respect to the Business Employees presently pending or, to the Knowledge of the
Company, threatened to be brought or filed with the National Labor Relations
Board or any other labor relations tribunal or authority and there have been no
such actions, events or disputes since January 1, 2005. There are no strikes,
organized work stoppages, organized slowdowns, lockouts or other material labor
disputes pending or, to the Knowledge of the Company, threatened against or involving the Business Employees. The
Company is not a party to, bound by,
or in the process of negotiating a collective bargaining agreement or other agreement with a labor union or labor
organization covering any of the Business Employees.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(h) Except as disclosed in <u>Section
3.11(h) of the Company Disclosure Letter </u>and <u>Section 6.5 </u>of this Agreement, the
consummation of the transactions contemplated by this Agreement will not
(i) entitle any Business Employee to separation, termination or severance pay, unemployment compensation or any other
similar-type benefit payment, (ii) result in the payment to any present
or former employee, officer, director or consultant
of the Company of any money or other property, (iii) accelerate the time of payment or vesting, or increase the amount of
compensation due any such employee, or (iv) cause any amounts payable
under the Company Benefit Plans to fail to be deductible for United States
federal income tax purposes by virtue of Section 280G of the Code.</p>
<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(i) Except to the
extent required under ERISA Section 601 et. seq. and Code Section 4980B, none of the Company Benefit Plans provides for or
promises medical, disability or life insurance or any other welfare
benefits after retirement or other termination of employment to any current or former employee, officer, director or
consultant of the Company.</p>
<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(j) To its
Knowledge, the Company is in compliance in all material respects with
all material Requirements of Law relating to the employment of labor, including,
without limitation, those related to wages, hours, immigration and
naturalization, collective bargaining and the payment and withholding of
taxes and other sums as required by the appropriate Governmental
Authority. The Company has paid in full to all Business Employees or adequately
accrued for all wages, salaries, commissions, bonuses, benefits and other
compensation due to or on behalf of such Business Employees and there is no
claim with respect to payment of wages, salary or overtime pay that has been
asserted or is now pending
or, to the Knowledge of the Company, threatened before any Governmental Authority with respect to any persons currently or
formerly employed by the Company. The Company
is not a party to, or otherwise bound by, any consent decree with, or citation
by, any Governmental Authority
relating to employees or employment practices with respect to the Business Employees. Except as disclosed in <u>Section
3.11(j) of the Company Disclosure </u><u>Letter, </u>there is no charge
of discrimination in employment or employment practices,</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>including,
without limitation, for reasons of age, gender, race, religion or other legally
protected
category, which has been asserted or is now pending or, to the Knowledge of the
Company,
threatened before the United States Equal Employment Opportunity Commission,
or any other Governmental Authority in any jurisdiction in which the Company has employed or employs
any person.</p>
<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (k)
Except as disclosed in <u>Section 3.11(j) of the Company Disclosure&nbsp; </u><u>Letter, </u>all
individuals who are performing or have performed consulting or other services
for the Company, whether as consultants, independent contractors, agents or
otherwise, are or were correctly classified by the Company as either
&quot;independent contractors&quot; or &quot;employees,&quot; as the case
may be, and, at the Closing, will qualify for such classification under all
Requirements of Law; there are no pending or, to the Knowledge of the Company,
threatened claims against the Company by or on behalf of any such individual
relating to the classification of such individual, or investigation,
audit or other proceeding relating to such an individual or individuals, by
any Governmental Authority with respect to the classification of such individuals.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>3.12 <u>Absence
of Undisclosed Liabilities. </u>The Company is not subject to any claims,
liabilities or obligations (whether known, unknown, absolute, accrued,
contingent or otherwise) and, to the Knowledge of the Company, there are
no existing conditions, situations or facts that could reasonably be expected to
result in any such claim, obligation or liability, except (a) as and to the extent disclosed on,
or as to which a reserve has been established on, the Reference Balance Sheet,
(b) claims, obligations and liabilities that (i) are incurred after the date of the Reference Balance Sheet in the Ordinary
Course consistent with past practice
of the Company, and (ii) individually or in the aggregate, would not reasonably
be expected to have or result in a Material Adverse Effect, or (c) as set forth
in <u>Section 3.12 of the Company Disclosure Letter.</u></p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>3.13 <u>Absence of Certain
Changes. </u>Except for the matters contemplated by this Agreement and as set
forth in <u>Section 3.13 of the Company Disclosure Letter, </u>since November
30, 2008, the Business has been conducted in the Ordinary Course and (a) there has not been (i) any change in the business,
operations, properties, assets, condition (financial or otherwise) or results of the Company taken as a whole
which would have or cause a Material
Adverse Effect; (ii) any damage, destruction or loss, whether or not covered by
insurance, in an amount in excess of $100,000, in existence as of the date of
this Agreement; (iii) any acquisition or disposition by the Company of any
material asset or material property other
than in the Ordinary Course; (iv) any declaration, setting aside or payment of any dividend or any other distributions
in respect of the Company's capital stock;
(v) any material increase in compensation payable to or to become payable by
the Company to its directors, officers or employees; (vi) any entry by
the Company into any material transaction
other than in the Ordinary Course or as contemplated herein; or (vii) any change by the Company in accounting principles
or methods, nor (b) has the Company (i) made, changed or rescinded any
Tax election, except as required by applicable Requirements of Law; (ii) changed any annual Tax accounting period;
(iii) changed any method of Tax
accounting or filed any change in accounting method, except as required by applicable Requirements of Law; (iv) settled any
Tax claim or assessment or surrender any right to claim a Tax refund; (v)
failed to timely file any Tax Return that relates in whole or in</p>

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<p class=MsoNormal style='margin-top:1.8pt'>part to the Company; and (vi) waived
or extended the statute of limitations in respect of Taxes, other than the extension
of the due date of a Tax Return.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;line-height:116%'>3.14 <u>Company Real Property.</u></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.45in'>&nbsp;&nbsp;&nbsp; (a)&nbsp; Except as set forth in <u>Section
3.14(a) of the Company Disclosure Letter, </u>the Company does not own or ground lease any real
property. <u>Section 3.14(a) of the </u><u>Company Disclosure Letter </u>sets
forth a true and complete list of all Company Leased Real Property, identifying each Company Lease and the
identity of the lessee and lessor thereunder. To the Knowledge of the
Company, each Company Lease is in full force and effect. Except as set forth in <u>Section 3.14(a) of the Company
Disclosure Letter, </u>the Company
is not in material default of any of its obligations under such Company Lease
(and no event exists which upon the
passage of time or the giving of notice would constitute a material default thereunder). Except as set forth
in <u>Section 3.15 of the Company Disclosure&nbsp; </u><u>Letter, </u>to the Knowledge of the Company, no counterparty to any Company Lease
is in material default of any of its
obligations under the applicable Company Lease (and no event exists which upon the passage of time or the
giving of notice would constitute a material default by such
counterparty thereunder).</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;&nbsp;&nbsp; (b)&nbsp; To the
Knowledge of the Company, there are no condemnation proceedings or eminent domain
proceedings or sales or other dispositions in lieu of condemnation of any kind pending or threatened with respect to any
portion of the Company Leased Real Property.</p>
<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;&nbsp;&nbsp; (c) Except as
set forth in <u>Section 3.14 of the Company Disclosure </u><u>Letter, </u>the Company
has not subleased any of the Company Leased Real Property to any third party
or given any third party any license or other right to occupy any portion of
the Company Leased
Real Property leased by the Company.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>3.15 <u>Certain
Contracts. </u>Except as set forth in <u>Section 3.15 of the Company&nbsp; </u><u>Disclosure
Letter, </u>the Company is not a party to or bound by any Contract,
arrangement, commitment
or understanding (other than any Plan described elsewhere herein) (each a <u>&quot;Material Contract&quot;) </u>(i) with respect to the employment of any
directors, executive officers, or key
employees constituting an &quot;executive officer&quot; (as such term is
defined under Regulation S-K
promulgated by the SEC under the Securities Act), as if the Company were required to file periodic reports as a registrant
with the SEC under the Exchange Act; (ii) which would constitute a &quot;material contract&quot; (as such term is
defined in Item 601(b)(10) of Regulation
S-K promulgated by the SEC under the Securities Act), as if the Company were required
to file periodic reports as a registrant with the SEC under the Exchange Act;
(iii) which contains any material
non-competition or exclusivity provisions with respect to any business or geographic area in which the Business
is conducted or which restricts the conduct
of the Business; (iv) with or to a labor union or guild (including any
collective bargaining agreement); (v)
which would prohibit or materially delay the consummation of the
transactions contemplated by this Agreement; (vi) any Contract (including any
so-called take-or-pay or keep well
agreements) under which (A) any Person has directly or indirectly guaranteed or
assumed Indebtedness, liabilities or obligations of the Company or (B) the
Company has directly or indirectly guaranteed Indebtedness, liabilities or
obligations of any Person in each case in excess of $100,000 or in the
aggregate in excess of $500,000 (vii)</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>other than
underwriting, dealing, advisory, investment management and distribution Contracts
entered into in the Ordinary Course or pursuant to the terms hereof, any
Contract providing for the indemnification of any Person (other than directors
and officers of the Company)
with respect to liabilities, whether absolute, accrued, contingent or otherwise
that would be material to the Business;
(viii) other than margin loans by the Company made in the Ordinary
Course, any Contract under which the Company has made or is obligated to make, directly or indirectly, any advance, loan,
extension of credit or other similar advances to any Person, in each case in
excess of $100,000 individually or $500,000 in the aggregate; (ix) any Contract to cap fees, share fees or other
payments, share expenses, waive fees or to reimburse or assume any or all fees or expenses thereunder that would be
material to the Business; (x) any
Contract that provides for earn-outs or other similar contingent obligations of the Company or any of its Controlled Affiliates
where such earn-outs or contingent obligations would be material to the
Company; or (xi) any Contract which contains a &quot;clawback&quot; or similar undertaking requiring the reimbursement
or refund of any material amounts
(whether performance based or otherwise) paid to the Company. The Company has previously made available to Parent true and
correct copies of all Revenue Sharing Agreements, all forgivable loans
made to Business Employees (including amounts of such loans, maturity dates and the like), and all employment, severance,
deferred compensation and change-of-control agreements with executive
officers, key employees or material consultants
to which the Company is a party, all of which are listed and described on <u>Section
</u><u>3.15 of the Company Disclosure
Letter. </u>Except as set forth in <u>Section
3.15 of the Company </u><u>Disclosure
Letter, </u>the Company has no
Knowledge of and has received no notice of any material breach of any
Material Contract by any of the other parties thereto. Except as set forth in <u>Section
3.15 of the Company Disclosure Letter, </u>the Company is not in material default under any Material Contract to which it is
a party, by which its assets, business, or operations may be bound or
affected, or under which it or its assets, business, or operations receives benefits and, to the Knowledge of the
Company, there has not occurred any event that with the lapse of time or the giving of notice or both, would
constitute such a material default.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;line-height:120%'>3.16&nbsp;&nbsp;&nbsp;&nbsp; <u>Intellectual Property.</u></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp; <u>(a) Section
3.16(a) of the Company Disclosure Letter </u>sets forth, as of the date hereof,
a complete list of all Company Owned Intellectual Property that is the subject of an
application or registration. At the Closing, the Company will own the
respective Company Owned Intellectual Property, and at the Closing
will have a valid right to use all Company Owned Intellectual Property
and Company Licensed Intellectual Property, free and clear of all Liens,
other than Permitted Liens, and the Company is not in material breach of any
agreement for the provision or use of material Company Licensed Intellectual Property.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp; (b) Except as set forth in
Section 3.16(b) of the Company Disclosure Letter, there is no material
litigation pending or, to the Knowledge of the Company, threatened against the
Company that involves a claim (i) alleging that the operation of the Business infringes, misappropriates, dilutes or
otherwise violates a third party's Intellectual Property rights or (ii) challenging the ownership, use, validity,
enforceability or registrability of
any Company Owned Intellectual Property or Company Licensed Intellectual
Property. To the Knowledge of the
Company, the Business as currently conducted does not infringe,</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>misappropriate,
or otherwise violate any third party's Intellectual Property rights in any manner that would have or cause a
Material Adverse Effect. The Company has not brought or, to the Knowledge of the Company, threatened a claim against any
third party (A) alleging infringement, misappropriation, dilution or other
violation of any material Company Owned Intellectual Property or (B)
challenging any such third party's ownership or use of or the validity, enforceability or registrability of,
such third party's Intellectual Property, and, to the Knowledge of the
Company, there is no basis for a claim regarding any of the foregoing.</p>

<p class=MsoNormal align=right style='margin-top:12.6pt;text-align:left;
line-height:120%'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.17 <u>Taxes. </u>Except as disclosed in <u>Section
3.17 of the Company Disclosure Letter:</u></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>(a)&nbsp; The Company has filed (or
caused to be filed) or will file (or cause to be filed) all Tax Returns
required to be filed on or before the Closing Date and such Tax Returns are true, correct, and complete in all
material respects. Without limiting the foregoing, none of the Tax Returns contains any position that is, or
would be, subject to penalties under
Section 6662 of the Code (or any corresponding provisions of state, local or foreign
Tax law). The Company has not entered into any &quot;listed transactions&quot;
as defined in Treasury Regulation section
1.6011-4(b)(2), and each has properly disclosed all reportable transactions as
required by Treasury Regulation section 1.6011-4, including filing Form 8886 with
Tax Returns and with the Office of Tax Shelter Analysis.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(b)&nbsp; The
Company has not requested an extension of time within which to file any Tax Return in respect
of any taxable period for which such Tax Return has not since been filed. There
are no outstanding waivers or comparable consents regarding the application of the statute of limitations with
respect to a Tax assessment or deficiency or Tax Returns of the Company.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(c)&nbsp;&nbsp;
All Taxes due and owing by the Company (whether or not reflected on any Tax
Return) have been timely and fully paid in all material respects. To the Knowledge of the Company, there
are no grounds for the assertion or assessment of additional Taxes against the
Company or its assets.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(d)&nbsp; The aggregate unpaid Taxes
of the Company do not and will not exceed
the reserve for Tax liability (excluding any reserve for deferred Taxes
established to reflect timing
differences between book and Tax income) reflected in the September 30, 2008 Financial Information and on the Reference
Balance Sheet (for that point in time), respectively.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(e)&nbsp;&nbsp;
The Company has timely and properly withheld and paid all Taxes required to
have been withheld and paid in connection with any amounts paid or owing to any employee, independent
contractor, creditor, shareholder or other third party, including, but not limited
to, amounts required to be withheld under Sections 1441 and 1442 of the Code
(or similar provisions of state, local or foreign Law).</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'>(f)&nbsp; There
are no Liens for Taxes (other than for current Taxes not yet due and payable) upon any assets
of the Company.</p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.5in'>(g)&nbsp; Except
for the group of which UCFC is presently a member, the
Company
(i) is not and never has been a member of an &quot;Affiliated Group&quot;
within the</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>meaning of
Section 1504 of the Code and (ii) does not have any liability for the Taxes of
any Person under Treasury Regulation section 1.1502-6 (or similar provision
of state, local or foreign
Tax law) as a transferee or successor, by contract or otherwise.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The
Company is not a party to or bound by any Tax indemnity, Tax<br>
sharing or Tax allocation agreement or arrangement.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(i) No claim
has ever been made by a Governmental Authority in a jurisdiction where the Company
does not file Tax Returns that the Company may be subject to taxation by that
jurisdiction.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(j)
No federal, state, local or foreign Tax audits or administrative or judicial
Tax proceedings are pending or being conducted or to the Knowledge of the Company, threatened with respect
to the Company. The Company has not since January 1, 2004, received from any Governmental Authority (including jurisdictions
where Company has not filed a Tax
Return) any (i) notice indicating an intent to open an audit or other review;
(ii) request for information related to Tax matters; or (iii) notice or
deficiency or proposed adjustment for any amount of Tax proposed, asserted, or
assessed by any Governmental Authority
against the Company. In addition, with respect to any such notices or requests received on or after January 1, 2001
and prior to January 1, 2004, all Tax matters related to any such notice or request have been settled by the Company
and the relevant Governmental Authority or the statute of limitations related
to such notice or request has expired.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>(k) The
Company does not presently have and has not in the past had a permanent
establishment in any foreign country, as defined in any applicable Tax treaty
or convention
between the U.S. and such foreign country.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>(l)
The Company is in compliance with the requirements of Section 482 of the Code
and the Treasury Regulations thereunder as they apply to transfer pricing between
controlled entities, including the contemporaneous documentation requirements regarding transfer pricing
policies.</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:.15in;
margin-left:0in;text-align:justify;text-indent:.5in'>(m) The Company will not be
required to include any item of income in, or exclude any item of deduction
from, taxable income for any Tax period (or portion thereof) ending after the Closing
Date as a result of any (i) change in method of accounting for a taxable period
ending on or prior to the Closing Date; (ii) &quot;closing agreement&quot; as
described in Section 7121 of the Code (or any corresponding or similar
provision of state, local or foreign Tax law) executed on or prior to the
Closing Date; (iii) installment sale or open transaction disposition made on or
prior to the Closing Date; or (iv) prepaid amount received on or prior to the
Closing Date.</p>

<p class=MsoNormal style='text-align:justify;text-indent:.5in'>(n) True,
correct and complete copies of all income Tax Returns, Tax examination
reports and statements of deficiencies assessed against, or agreed to with respect to
the Company with respect to the last three years with the IRS or any other
taxing authority
have been delivered to Parent.</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp; (o) All Tax Returns required to
be filed by the Company for periods beginning before the Closing Date (whether
or not the period ends on such date) that have not been filed on or before the Closing Date are set forth in <u>Section
3.17 of the Company </u><u>Disclosure Letter.</u></p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.45in'>&nbsp;&nbsp;&nbsp; (p) UCFC is
not a &quot;foreign person&quot; within the meaning of Section 1445(f)(3) of the Code.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;line-height:117%'>3.18 <u>Company Capitalization.</u></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.45in'>&nbsp;&nbsp;&nbsp; (a) As of the date hereof, the
authorized capital stock of the Company consisted of 75,000 common shares, no
par value per share (the <u>&quot;Company Capital Stock&quot;). </u>As of the date hereof, the Shares are the only
outstanding shares of Company Capital Stock, and no other shares of Company Capital Stock were issued and outstanding,
and no shares of Company Capital
Stock were reserved for issuance (including shares underlying any outstanding
stock options and other convertible securities of the Company).</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>&nbsp;&nbsp;&nbsp; (b) As of
the date of this Agreement, all of the issued and outstanding shares of Company
Capital Stock have been duly authorized, validly issued and are fully paid and
non-assessable and were not issued in violation of any preemptive rights. There
are no outstanding options, warrants, convertible securities, &quot;tag
along&quot; or &quot;drag along&quot; rights or other rights, agreements, arrangements or
commitments relating to the Company Capital Stock
obligating the Company or any of its Affiliates, at any time or upon the
occurrence of certain events, to offer, issue, sell, transfer, vote,
redeem or otherwise dispose of or sell any shares of Company Capital Stock. The
Company has no (i) outstanding Indebtedness that could entitle or convey to any
Person the right to vote, or that is convertible into or exercisable for,
Company Capital Stock or (ii) outstanding options, warrants, convertible securities or other rights, agreements,
arrangements or commitments that entitle or convey to any Person the right to vote with UCFC or BWC
on any matter in respect of the Company
Capital Stock absent the exercise or conversion thereof. There are no voting
trusts or other agreements or
understandings outstanding with respect to the Company Capital Stock.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;line-height:115%'>3.19 <u>Affiliate Transactions.</u></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.45in'>&nbsp;&nbsp;&nbsp; (a) Except for Contracts and
arrangements (i) which are on customary arms-length terms, (ii) in respect of
services and products that are to be continued or provided pursuant to the
Related Agreements or (iii) as set forth in <u>Section 3.19 of the Company Disclosure Letter </u>which are to be terminated on or prior to the
Closing Date, the Company is not a
party to any Contract or arrangement with UCFC, BWC or their respective
Affiliates.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>&nbsp;&nbsp;&nbsp; (b) Except as
set forth in <u>Section 3.19 of the Company Disclosure </u><u>Letter, </u>to the
Knowledge of the Company, no director, officer or employee of the Company: (i) owns,
directly or indirectly, any economic or ownership interest in (x) any property
or asset, real or personal, tangible or intangible, used in or held for use
in connection with or pertaining to the Business, (y) any Company Customer or
(z) any supplier, lessor, lessee or competitor of the Company, in each case of (x), (y) and
(z) where such interest would be</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>material to
the Business, taken as a whole, (ii) serves as a trustee, officer, director or employee of
any Person that is a supplier, lessor, lessee or competitor of the Company or (iii) has
received any loans from or is otherwise a debtor of, or made any loans to or is
otherwise
a creditor of the Company, where the amount of any such loans would be material to the Company, taken as
a whole.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;&nbsp;&nbsp; (c) Except as set forth in <u>Section
3.19(c) of the Company Disclosure Letter, </u>the Company has no loan
outstanding, has not extended or maintained credit, and has not arranged for
the extension of credit, to any of its directors, officers or employees.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>3.20 <u>Derivative Products.
</u>Except as set forth in <u>Section 3.20 of the Company Disclosure Letter </u>or as reflected on the Company Financial
Information, the Company is not a party to any interest rate swaps,
caps, floors, option agreements, futures and forward Contracts or other similar risk management arrangements or derivative
financial instruments entered into for the account of the Company.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>3.21 <u>Brokers. </u>No broker,
investment banker, financial advisor or other Person is entitled to any broker's, finder's, financial advisor's or similar fee
or commission in connection with the transactions contemplated by this
Agreement and the Related Agreements based
upon arrangements made by or on behalf of the Company, BWC or UCFC,
except those for which UCFC or BWC will be solely responsible.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>3.22
<u>Insurance. </u>The Company has at all times since December 1, 2005 maintained insurance policies or
been provided with coverage under UCFC's insurance policies including, without limitation, general comprehensive liability,
unemployment and workers' compensation coverage. <u>Section 3.22 of the
Company Disclosure Letter </u>sets forth the
material insurance policies maintained by the Company (or provided to the
Company by UCFC), together with the
amount of coverage for each policy, the premium due dates (solely with respect to those Company maintained
policies) and the dates of last payment and indicates which of such insurance policies are claims-made policies and
which of such policies are occurrence-based policies. To the Knowledge
of the Company, the policies evidence insurance in such amounts and against
such risks and losses as are generally maintained
with respect to comparable companies and properties. All of such insurance policies maintained by the Company and, to the
Knowledge of the Company, all such insurance
policies maintained by UCFC under which the Company receives coverage, are in full force and effect (with respect to the
applicable coverage periods), and the Company is not in default in any material respect of any of its obligations under any
of such insurance policies.</p>

<p class=MsoNormal style='margin-top:5.4pt;text-align:justify;text-indent:.5in'>3.23 <u>Disclosure. </u>The
representations, warranties and other statements of the Company contained in this Agreement, the Company Disclosure Letter, or
any Exhibit or Schedule delivered by
the Company to Parent in connection with the execution and delivery of this
Agreement, taken as a whole, do not contain any untrue statement of a material
fact or omit to state a material fact
necessary in order to make any of them, in light of the circumstances
under which they were made, not misleading.</p>

<p class=MsoNormal align=center style='margin-top:.15in;text-align:center'><b>ARTICLE </b>4<br>
<b>REPRESENTATIONS AND WARRANTIES OF UCFC AND BWC</b></p>

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<p class=MsoNormal style='margin-top:1.8pt;margin-right:.05in;margin-bottom:
0in;margin-left:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>UCFC and BWC
hereby jointly and severally make the following representations and warranties to Parent as of the
date hereof and as of the Closing.</p>

<p class=MsoNormal style='margin-top:37.8pt;text-align:justify;text-indent:
..5in'>&nbsp;4.1 <u>Organization
and Good Standing. </u>UCFC and BWC are corporations duly organized, validly existing and in good standing
under the laws of Ohio with' full power and authority to own, operate
and lease their respective assets and to carry on their respective businesses as currently conducted. UCFC and BWC
are duly qualified to do business and are
in good standing (where applicable) as foreign corporations in each
jurisdiction where the ownership, operation or leasing of their respective
assets or the conduct of their respective
businesses as currently conducted requires such qualification, except for those
jurisdictions where the failure to be so qualified or to be in good
standing, individually or in the aggregate, would not reasonably be expected to
have a Material Adverse Effect.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;4.2 <u>Ownership.
</u>As of the date of this Agreement, BWC owns, and as of the Closing Date BWC will own free
and clear of all Liens, all of the issued and outstanding . shares of Company Stock, and UCFC owns, and as of
the Closing Date will own, all of the voting capital stock of BWC and
otherwise controls the board of directors of BWC.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;4.3 <u>Authorization;
Binding Obligations. </u>UCFC and BWC each have all necessary
power and authority to make, execute and deliver this Agreement and the Related
Agreements to which it is a party and to perform all of the obligations to be
performed by it hereunder and thereunder. The making, execution, delivery
and performance by UCFC and BWC of this Agreement and the Related
Agreements, if any, and the consummation by each of them of the transactions
contemplated hereby and thereby have been duly and validly authorized by
all necessary corporate action on the part of UCFC and BWC. This Agreement has
been and, as of the Closing Date, the Related Agreements, if any, will be, duly and
validly executed and delivered by each of UCFC and BWC, and assuming the due authorization,
execution and delivery by Parent and the Company, each of this Agreement and the
Related Agreements will constitute the valid, legal and binding obligation of
each of UCFC and BWC,
enforceable against each of them in accordance with its terms, except that the
enforceability hereof may be limited by bankruptcy, insolvency, moratorium or
other similar Requirements of Law, now or
hereafter in effect, relating to or affecting the rights of creditors generally and the availability of
specific remedies may be limited by legal and equitable principles of
general applicability.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;4.4 <u>No
Conflicts. </u>Except as set forth in <u>Section 4.4 of the UCFC Disclosure </u><u>Letter, </u>the
execution, delivery and performance by UCFC and BWC of this Agreement and each of the Related Agreements to
which each is a party, and the fulfillment of and compliance with the respective terms hereof and thereof by each, do not
and will not (a) conflict with or result in a breach of the terms,
conditions or provisions of, (b) constitute a default
or event of default under (whether with or without due notice, the passage of
time or both), (c) result in the
creation of any Lien upon the shares of Company Stock to, (d) give any third party the right to modify, terminate or
accelerate any obligation under, (e) result in a violation of, or (f) require any Consent or other action by, notice
to, or filing with, any third party
or Governmental Authority pursuant to, the charter or bylaws of each, or any applicable
Requirements of Law or material contract to which each are subject except for</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>such conflicts, violations,
Liens, contraventions, cancellations, defaults or Consents, the failure of which to obtain or violation of which
will not individually or in the aggregate reasonably be expected to have
a material adverse effect.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;4.5
<u>Approvals. </u>There are no notices, reports or other filings required to be
made by UCFC or BWC,
or Consents required to be obtained by UCFC or BWC from, any Governmental Authority or other third party in
order for UCFC or BWC to execute, deliver or perform this Agreement and the Related Agreements and to consummate
the transactions contemplated hereby and thereby, except (a) as set
forth in <u>Section 4.5 of the UCFC Disclosure Letter, </u>(b) Consents as may
be required by FINRA, or (c) where the failure to make such notices, reports or
other filings or the failure to obtain such Consents, individually or in the aggregate, would not reasonably be expected to
(i) prevent, impair or delay the
consummation of the transactions contemplated by this Agreement and the Related
Agreements, or (ii) have or cause a material adverse effect.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;4.6
<u>Brokers. </u>No broker, investment banker, financial advisor or other Person
is entitled to any broker's, finder's, financial advisor's or similar fee or
commission in connection
with the transactions contemplated by this Agreement and the Related Agreements
based upon arrangements made by or on behalf of the Company, UCFC or BWC,
except those for which UCFC or BWC will be solely responsible.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>&nbsp;4.7 <u>Disclosure.
</u>The representations, warranties and other statements of UCFC and BWC contained in this
Agreement, the UCFC Disclosure Letter, or any Exhibit or Schedule delivered by UCFC and BWC to Parent in connection
with the execution and delivery of this Agreement, taken as a whole, do
not contain any untrue statement of a material fact or omit to state a material
fact necessary in order to make any of them, in light of the circumstances
under which they were made, not misleading.</p>

<p class=MsoNormal align=center style='margin-top:12.6pt;text-align:center'><b>ARTICLE </b>5<br>
<b>REPRESENTATIONS AND WARRANTIES OF PARENT</b></p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.45in'>Parent
hereby makes the following representations and warranties to the Sellers as of the date hereof and as of the
Closing.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;5.1 <u>Organization
and Good Standing. </u>Each of Parent and Stifel Nicolaus is a legal entity
duly organized, validly existing and in good standing under the Requirements of
Law
of its jurisdiction of organization with full power and authority to own,
operate and lease its assets and to carry on its business as currently
conducted. Each of Parent and Stifel Nicolaus is duly qualified to do business and is in good
standing (where applicable) as a foreign
corporation in each jurisdiction where the ownership, operation or leasing of
its assets or the conduct of its business as currently conducted requires such
qualification, except for those
jurisdictions where the failure to be so qualified or to be in good standing, individually or in the aggregate, would not
reasonably be expected to have a Material Adverse Effect.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>&nbsp;5.2 <u>Authority;
Binding Obligations. </u>Each of Parent and Stifel Nicolaus (to the extent it
becomes a party hereto and thereto) has all necessary power and authority to
make, execute and deliver this Agreement and the Related Agreements to which
it is a party and to</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>perform all
of the obligations to be performed by it hereunder and thereunder. The making, execution, delivery and
performance by each of Parent and, if applicable, Stifel Nicolaus of this Agreement and the Related Agreements to
which it is a party, and the consummation by them of the transactions contemplated hereby and thereby, have been (or
will have been, in the case of Stifel Nicolaus) duly and validly
authorized by all necessary corporate action on the part of Parent and Stifel Nicolaus. This Agreement has been and, as
of the Closing Date, the Related
Agreements will be, duly and validly executed and delivered by Parent and Stifel
Nicolaus, as the case may be, and assuming the due authorization, execution and
delivery by UCFC, BWC and the Company, each of this Agreement and the Related Agreements will constitute the valid, legal and
binding obligation of Parent and Stifel Nicolaus, enforceable against each of them in accordance with its terms,
except that the enforceability hereof
may be limited by bankruptcy, insolvency, moratorium or other similar Requirements of Law, now or hereafter in effect,
relating to or affecting the rights of creditors
generally and the availability of specific remedies may be limited by legal and
equitable principles of general
applicability. Consummation of the transactions contemplated herein
shall not trigger or otherwise cause a breach under the terms of any
shareholder rights plan or arrangement of Parent or Stifel Nicolaus currently
in effect.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;5.3 <u>Compliance with
Securities Laws. </u>Parent (or, if applicable, Stifel Nicolaus, as assignee of Parent pursuant to <b>Section 11.4) </b>is
not acquiring the Shares with a view to distribution thereof, and will not
sell, offer for sale, pledge, transfer or otherwise dispose of such Shares or any interest therein except in
compliance with the Securities Act and any other applicable federal and
states securities laws.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;5.4 <u>No
Conflicts. </u>Except as set forth in <u>Section 5.4 of the Parent Disclosure&nbsp; </u><u>Letter, </u>the
execution, delivery and performance by each of Parent and Stifel Nicolaus of
this Agreement and each of the Related Agreements to which it is a party,
and the fulfillment of and
compliance with the respective terms hereof and thereof by Parent and Stifel
Nicolaus, do not and will not (a) conflict with or result in a breach of the
terms, conditions or provisions of, (b)
constitute a default or event of default under (whether with or without due notice, the passage of time or both), (c) give any
third party the right to modify, terminate or accelerate any obligation under, (e) result in a violation of or (f)
require any Consent or other action
by, notice to, or filing with, any third party or Governmental Authority
pursuant to, the charter or bylaws of Parent or Stifel Nicolaus, or any
applicable Requirements of Law or
Material Contract to which Parent or Stifel Nicolaus is subject except for such
conflicts, violations, Liens, contraventions, cancellations, defaults or
Consents, the failure of which to obtain or
violation of which will not individually or in the aggregate reasonably be
expected to have a Material Adverse Effect.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;5.5 <u>Approvals.
</u>There are no notices, reports or other filings required to be made by Parent or any of its
Affiliates with, or Consents required to be obtained by Parent or any of its Affiliates from, any Governmental Authority
or other third party in order for Parent and its applicable Subsidiaries to execute, deliver or perform this
Agreement or the Related Agreements or to consummate the transactions
contemplated hereby and thereby, except (a) as
set forth in <u>Section 5.5 of the Parent Disclosure Letter, </u>(b) Consents
as may be required by FINRA, or (c) where the failure to make such notices,
reports or other filings or the failure
to obtain such Consents, individually or in the aggregate, would not reasonably
be expected to (i) prevent, impair
or delay the consummation of the transactions contemplated</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">36</p>
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<p class=MsoNormal style='margin-top:1.8pt'>by this Agreement and the Related
Agreements or (ii) have or cause a Material Adverse Effect.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;5.6 <u>Brokers.
</u>No broker, investment banker, financial advisor or other Person is entitled to
any broker's, finder's, financial advisor's or similar fee or commission in connection
with the transactions contemplated by this Agreement and the Related Agreements based upon arrangements
made by or on behalf of Parent or its subsidiaries, except those for which
Parent will be solely responsible.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;5.7 <u>Disclosure. </u>The representations,
warranties and other statements of Parent contained in this Agreement, the Parent Disclosure Letter, or any
Exhibit or Schedule delivered by
Parent to UCFC in connection with the execution and delivery of this Agreement, taken as a whole, do not contain any
untrue statement of a material fact or omit to state a material fact necessary in order to make any of them, in
light of the circumstances under which they were made, not misleading.</p>

<p class=MsoNormal align=center style='margin-top:.5in;text-align:center'><b>ARTICLE 6<br>
ADDITIONAL COVENANTS OF THE PARTIES</b></p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;6.1 <u>Confidentiality. </u>In
addition to the terms, provisions and covenants of the Confidentiality Agreement previously executed between Parent and the
Company, which shall remain in full force and effect until Closing, Parent
acknowledges that, in the course of its investigation of the Company, Parent
and its representatives have and will become aware of Confidential
Information and documents of the Company, and that its use of such Confidential Information and documents, or
communication of such Confidential Information
to third parties, could be detrimental to the Company. Parent (the <u>&quot;Receiving
</u><u>Party&quot;) </u>covenants that prior to Closing all information
and documents concerning the Company
(the <u>&quot;Disclosing Party&quot;) </u>reviewed by a Receiving Party or its
representatives in connection with this Agreement or the transactions
contemplated hereby shall be maintained in
confidence and shall not be disclosed or used by the Receiving Party or its
representatives without the
Disclosing Party's prior written consent, unless such information (i) was, is
now or becomes publicly available,
(ii) is required to be disclosed pursuant to any Requirement of Law, (iii) was
disclosed to a Receiving Party by a third party not subject to any duty of
confidentiality to UCFC, BWC or the Company, or (iv) in the case of Parent,
required to be disclosed by the
rules of a securities exchange on which Parent may from time to time be listed or the SEC. In the event that a Receiving
Party or any of its representatives is required pursuant to any Requirement of Law to disclose any such Confidential
Information or documents referred to
in this <b>Section 6.1, </b>such Receiving Party shall, to the extent reasonably practicable, provide the Disclosing
Party with prompt written notice before such disclosure, sufficient to enable the Disclosing Party either to seek a
protective order, at its expense, or
another appropriate remedy preventing or prohibiting such disclosure or to waive compliance with the provisions of this <b>Section
6.1, </b>or both. With respect to information
and documents related to the Receiving Party, at the Disclosing Party's
request, in the event that the Closing shall not occur, or as soon as
practicable following termination of
this Agreement: (i) the Receiving Party shall, and shall cause its
representatives to, promptly destroy all Confidential Information and
documents concerning the Disclosing</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">37</p>
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>Party (including any copies
thereof or extracts therefrom); (ii) an officer of the Receiving Party shall
certify to the Disclosing Party that such destruction has occurred; and (iii)
the Receiving Party shall and shall cause
its representatives to keep confidential and not use any such Confidential Information or documents unless
required to disclose such Confidential Information
or documents pursuant to judicial order, regulation or Requirements of Law.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>6.2 <u>Conduct of
Business Until Closing. </u>Except as set forth in <u>Section 6.2 of the&nbsp; Company Disclosure Letter </u>or as otherwise provided in this Agreement, or as
Parent may otherwise consent to (which consent shall not be unreasonably
withheld, delayed or conditioned), on and
after the date hereof and prior to the Closing Date, the Company shall:</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in;line-height:117%'>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; not
amend the organizational documents of the Company;</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in'>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; not effect any
transactions relating to the disposition of any material part of the assets of
the. Company, other than in the Ordinary Course;</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(c)&nbsp;&nbsp; (i)
conduct the Business in the Ordinary Course, (ii) use commercially reasonable
efforts to preserve the Company's current business organization and existing
business relationships, (iii) maintain the Company's property in substantially
the condition currently existing, normal wear and tear excepted, and
(iv) not intentionally take or fail to take any action outside the Ordinary
Course that would cause any of the representations and warranties
set forth in Article III to be untrue or incorrect in any material respect at
any time on or after
the date hereof and through the Closing Date;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(d)&nbsp;&nbsp; not make any distribution
or declare, pay or set aside any dividend with
respect to, or split, combine, redeem, reclassify, purchase or otherwise
acquire directly, or indirectly, any equity interests or shares of
capital stock of, or other equity or voting interest
in, the Company, or make any other changes in the capital structure of the Company;</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
1.0in'>(e)
except as required by Requirements of Law or an existing Plan or Contract and except with respect
to the arrangements expressly contemplated to be implemented by the Company
prior to the Closing pursuant to <b>Section 6.5 </b>hereof; not (A) make or agree to make any material increase in
compensation, pension, or other fringe benefits
or perquisites payable to any officer or investment professional or other
employee of the Company other than
routine wage or salary increases in the Ordinary Course (B) grant or
agree to grant any severance or termination pay or enter into any Contract to
make or grant any severance or termination
pay or pay any bonus, other than those set forth in <u>Section 6.2(e) of the Company Disclosure Letter, </u>(C) grant or agree to grant or accelerate the time of vesting or payment of any awards under a
Plan (including any equity rights to acquire any equity interests of the
Company) other than as required by Requirements of Law or in accordance
with or to facilitate the transactions contemplated by this Agreement, or (D)
establish, adopt, amend, modify or terminate any Plan; <i>provided, however,
that </i>the foregoing shall not prohibit the
Company from employing financial consultants in the Ordinary Course;</p>
<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
1.0in'>(f) neither (i)
merge with or into, consolidate with or acquire all or substantially all of the stock or
assets of any other Person; (ii) enter into, materially amend or</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>become subject to any limited
liability company agreement, joint venture, partnership, strategic affiance, shareholders' agreement,
co-marketing, co-promotion, joint development or similar arrangement, except in the Ordinary Course; (iii) enter into,
terminate or amend in any material
respect any material Contract (except to the extent necessary to obtain any consents for transfer contemplated by this
Agreement); (iv) amend, breach, terminate or allow to lapse any material Permit relating to the Business that would
have or cause a Material Adverse
Effect, other than (A) amendments required by Requirements of Law or (B),
any such action in the Ordinary Course, or (v) except in the Ordinary Course,
sell, lease or grant any option to sell or
lease, give a security interest in or otherwise create any Lien (other
than a Permitted Lien) on any of the assets of the Company;</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(g) not make any individual
commitment or agreement for capital expenditures in excess of $100,000, or $250,000
in the aggregate, except as set forth on the capital budget set forth in <u>Section
6.2(g) of the Company Disclosure Letter;</u></p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in'>(h)&nbsp; not
sell, license or transfer any Intellectual Property other than in the Ordinary Course;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(i)&nbsp; not
pay, discharge, settle or satisfy any material claims, liabilities or obligations (absolute, accrued,
asserted or unasserted, contingent or otherwise) in excess of $50,000, other
than the payment, discharge or satisfaction, in the Ordinary Course or in accordance with their terms, of liabilities
reflected or reserved against in the Company Financial Information (or the notes thereto), or not required by GAAP to
be so reflected or reserved, or
incurred since the date of the Company Financial Information in the Ordinary
Course, or waive any material benefits of or agree to modify any material
confidentiality, standstill, non-solicitation or similar agreement to
which the Company is a party;</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(j)&nbsp; not
incur, assume or guarantee (including by way of any agreement to &quot;keep well&quot; or of any
similar arrangement) or cancel or waive any claims under any Indebtedness or amend or modify the terms relating
to any such Indebtedness, except for any such incurrence, assumption or
guarantee of Indebtedness or amendment of the terms of such Indebtedness
in the Ordinary Course;</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:1.0in'>(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; not create, issue or sell, or grant any option or other right to<br>
subscribe, purchase or redeem, any of its securities;</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
1.0in'>&nbsp;(l)&nbsp;&nbsp;&nbsp;
not change any material financial accounting principle, method or practice (including any principles,
methods or practices relating to the estimation of reserves or other
liabilities), other than changes required by GAAP or Requirements of Law or
required to be implemented during such period;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(m)&nbsp;&nbsp; not
enter into any binding agreement or arrangement with the IRS (or any
similar Tax authority), with respect to the Company, which relates to any
period or periods after the Effective Time, nor change any material Tax accounting
method or practice;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in'>(n)&nbsp;&nbsp;&nbsp; use
commercially reasonable efforts to comply in all material respects with all applicable material
Requirements of Law affecting or relating to the Company; and</p>

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<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:.05in;margin-bottom:.0001pt;text-indent:1.0in'>(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; not enter into any agreement (conditional or otherwise) to do
any of<br>
the foregoing prohibited acts.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.55in;margin-bottom:.0001pt;line-height:116%'>6.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Covenant Not To Compete.</u></p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.05in;margin-bottom:.0001pt;text-align:justify;text-indent:1.0in'><i>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</i><i>Non-Compete.
</i>Each of UCFC and
BWC acknowledges and agrees that the Business
is conducted within the geographic area described in <u>Section 6.3 of the&nbsp;
Company Disclosure Letter </u>(the <u>&quot;Territory&quot;) </u>and that the
Company's reputation and goodwill are
an integral part of its business success throughout the Territory. If UCFC or BWC deprives Parent of the Company's goodwill or
in any manner <u>utilizes </u>its reputation or goodwill in competition with
Parent, Parent will be deprived of the benefits it has paid for pursuant
to this Agreement. Accordingly, as an inducement for Parent to enter into this Agreement, each of UCFC and BWC agrees that for a
period ending on the second anniversary
of the Closing Date (the <u>&quot;Non-Competition Period&quot;), </u>neither
UCFC nor BWC shall, without Parent's prior written consent, directly or
indirectly, own a controlling interest in, or manage or operate, any company,
organization or business in the Territory, that is engaged in the broker-dealer
business. Notwithstanding the foregoing, (i) neither UCFC nor BWC shall be
prohibited from acquiring any thrift or bank that owns and operates a
broker/dealer; <i>provided, however, </i>that any such acquired broker/dealer
business shall be subject to the
non-solicitation obligations set forth and described in <b>Section 6.3(b) </b>below;
<i>provided, </i><i>further, however, </i>that in the event UCFC or BWC is acquired by any
third party, such third party shall
not be subject to the restrictions set forth in this <b>Section 6.3(a) </b>but
shall be subject to the non-solicitation provisions set forth in <b>Section
6.3(b) </b>below, and (ii) UCFC's savings
bank subsidiary shall not be prohibited from engaging in any securities
activities that are otherwise permitted in accordance with applicable
Requirements of Law, or otherwise from
contracting with third parties to provide brokerage, investment advisory,
insurance or other related services
at its branch locations in accordance with applicable Requirements of Law.
In the event the agreement in this <b>Section 6.3 </b>shall be determined by a
court of competent jurisdiction to be
unenforceable by reason of its extending for too great a period of time
or over too great a geographical area or by reason of its being too extensive
in any other respect, it shall be interpreted to extend only over the maximum
period of time for which it may be enforceable and/or over the maximum
geographical area as to which it may be
enforceable and/or to the maximum extent in all other respects as to which it
may be enforceable, all as determined by such court in such action.</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.05in;margin-bottom:.0001pt;text-align:justify;text-indent:1.0in'><i>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</i><i>No
Solicitation. </i>During
the period beginning on the date of this Agreement
and ending on the second anniversary of the Closing Date, neither UCFC, BWC nor any of their respective Controlled Affiliates
shall, without the prior written consent of Parent, directly or indirectly,
hire, offer to hire or entice away (whether as an employee or consultant) or in
any other manner persuade or attempt to solicit any officer, employee or agent of the Company to discontinue his or her
relationship with the Company and/or Parent
or any of their respective subsidiaries; <i>provided, however, </i>that this <b>Section
6.3(b) </b>shall not apply (i) if
such officer, employee or agent's relationship with the Company and/or Parent or any of their respective subsidiaries has
terminated for any reason or (ii) if such officer, employee or agent is hired
as a result of a general solicitation for employment not specifically
targeted to employees of Parent, the Company or any of their respective
subsidiaries engaged in the broker/dealer business.</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.95in'>(c) <i>Remedies.
</i>Each of UCFC and BWC acknowledges that a breach of the covenants
contained in this <b>Section 6.3 </b>will cause irreparable damage to Parent,
the exact amount of which will be difficult to ascertain, and that the
remedies at law for any such breach will be inadequate. Accordingly, each of
UCFC and BWC agrees that if it breaches the covenants contained in this <b>Section 6.3, </b>in
addition to any other remedy that may be available
at law or in equity, Parent shall be entitled to specific performance and
injunctive relief, without posting bond or other security.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;text-align:justify;line-height:
115%'>6.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Taxes.</u></p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(a)&nbsp; All
transfer, documentary, sales, use, stamp, registration and other such Taxes
and all conveyance fees, recording charges and other fees and charges
(including any penalties and interest) incurred in connection with
consummation of the transactions contemplated by this Agreement
shall be split equally and paid by UCFC and Parent, and UCFC and
Parent shall cooperate in the preparation and filing of any Tax Returns and
other documentation
with respect to all . such Taxes, fees and charges, and if required by
Requirements of Law, Parent will, and will cause its Affiliates to, join in the
execution of any such Tax Returns and other documentation.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:
..5in'>(b)&nbsp;&nbsp;
Other than the consolidated federal Income Tax Return of UCFC of which the Company is a member,
the Company shall prepare, or cause to be prepared, and file, or cause to be filed, all Tax Returns required to be filed by the
Company for any taxable year or period
ending on or before the Closing Date that are due after the Closing Date. The Company shall be responsible for payment of
any Taxes shown due on such Tax Returns.
Except to the extent such liability for Tax is reflected as a liability on the
Estimated Closing Date Balance Sheet and taken into account as a
reduction in Purchase Price, UCFC shall contribute to the Company the amount
necessary to pay such Tax. Such Tax Returns shall
be prepared in a manner consistent with the prior practices of the Company,
except as required by any applicable Requirement of Law. Parent shall
permit UCFC or its representatives to
review and comment on each such Tax Return described in this paragraph prior to filing, and Parent shall make all changes
reasonably requested by UCFC in good faith (unless such changes are materially
adverse to Parent or Parent is advised in writing by its independent outside
accountants or attorneys that such changes are contrary to applicable law). In
the event that Parent and UCFC are unable to agree on the reporting of any item
on such Tax Returns, Parent and UCFC shall
mutually choose an independent public accounting
firm to resolve such dispute, and the decision of such firm with respect to
such item shall be final.</p>
<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:
..5in'>(c) Parent
shall prepare, or cause to be prepared, and file, or cause to be filed, all
non-federal Tax Returns pertaining to the Company for any taxable year or
period commencing prior to the Closing Date and ending after the Closing Date
(a <u>&quot;Straddle </u><u>Period&quot;). </u>Parent
shall permit UCFC to review and comment on each such Tax Return described in
this paragraph prior to filing, and Parent shall make all changes reasonably requested by UCFC in good faith
(unless such changes are materially adverse to Parent or Parent is advised in writing by its independent
outside accountants or attorneys that such changes are contrary to
applicable law). In the event that Parent and UCFC are unable to agree on the reporting of any item on such Tax
Returns, Parent and UCFC shall mutually choose an independent public
accounting firm to resolve such dispute, and the decision of</p>
<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:
..5in'>&nbsp;</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>such firm with respect to such
item shall be final. The Company shall be responsible for payment of any Taxes
shown as due on such Tax Returns. UCFC shall pay to the Company within ten (10)
Business Days after the date on which Taxes are paid with respect to such Straddle Period an amount equal to the portion of
such Taxes that relates to the Tax period ending on the Closing Date, to
the extent such Taxes are not reflected on the Reference Balance Sheet or paid by UCFC or the Company prior
to Closing, including amounts paid in respect
of estimated Taxes. For the purposes of this <b>Section 6.4(c), </b>in the case
of any Taxes that are imposed on a
periodic basis and are payable for a Tax period that includes (but does not end on) the Closing Date, the portion
of such Tax that relates to the portion of such Tax period ending on the
Closing Date shall (i) in the case of any Non-Income Taxes be deemed to
be the amount of such Tax for the entire Tax period multiplied by a fraction, the numerator of which is the number of
days in the Tax period ending on the Closing Date, and the denominator of which
is the number of days in the entire Tax period, and (ii) in the case of
any Income Tax, be deemed to be equal to the amount that would be payable if the relevant Tax period ended on the
Closing Date. Any credits relating to a Tax period that begins before
and ends after the Closing Date shall be taken into account as though the relevant Tax period ended on the
Closing Date. All determinations necessary to give effect to the allocations described in this <b>Section </b>6.4(c)
shall be made in a manner consistent with the prior practice of the
Company, except for changes required by Law or fact. Such Tax Returns shall be prepared in a manner consistent with the
prior practices of the Company and its Subsidiaries, which shall be in
accordance with applicable Law.</p>
<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (d)&nbsp;
Parent and UCFC agree to furnish or cause to be furnished to each other, upon
request, as promptly as practical, such information (including reasonable
access to books and records, Tax Returns and
Tax filings) and assistance as is reasonably necessary for the filing of any Tax Return, the conduct of
any Tax audit, and for the prosecution or defense of any claim, suit or
proceeding relating to any Tax matter. Parent and UCFC shall cooperate
with each other in the conduct of any Tax audit or other Tax proceeding and
each shall execute and deliver such powers
of attorney and other documents as are necessary to carry out the intent of
this <b>Section </b>6.4. Any Tax audit or other Tax proceeding shall be deemed to be a Third Person Claim subject to the
procedures set forth in <b>Article 9 </b>of this Agreement.</p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (e)
&nbsp; (i)&nbsp; &nbsp;UCFC, Parent, and the Company agree that the Company will claim a deduction for federal and
state tax purposes (to the extent such deduction is legally allowed to be claimed) of the full amount of the
Management Closing Bonus Amount on the tax return that includes the
Closing Date (and that the Company will not claim a deduction for such amount for any taxable year beginning
subsequent to such Closing Date). UCFC agrees
to pay to the Company the Tax Receivable Amount (as hereinafter defined) at the
time set forth in this <b>Section
6.4(e). </b>The <u>&quot;Tax Receivable Amount&quot; </u>is equal to the amount
of any actual refund, credit or
other reduction of federal or state income or other tax realized by the
Company or UCFC for any taxable period as a result of the payment of the
Management Closing Bonus Amount (computed without regard to any applicable
limitation under Section 280G of the Code
other than any limitation that would not have applied in the absence of actions of the Company, Parent or any
related party thereto following the Closing).</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:1.45in'>
(ii) In order to
provide a non-exclusive source of recovery to Parent for the payment
by UCFC of the Tax Receivable Amount, the parties shall cause an amount equal to the
Management Closing Bonus Amount multiplied by forty percent (40%) (the <u>&quot;Tax
Benefit Escrow Amount&quot;) </u>to be deposited into escrow with
the Escrow Agent or another a third party escrow agent reasonably<sub>,</sub>
satisfactory to the parties, which amount shall be released as provided below in this <b>Section
6.4(e). </b>Such escrow agreement shall be on commercially
reasonable terms for a transaction of this nature, and may be combined with or separate from the Escrow Agreement relating to
the Indemnification Escrow Amount, provided that the Tax Benefit Escrow
Amount shall be solely to satisfy the payment of the Tax Receivable Amount and shall not be otherwise subject to the escrow
for indemnified matters provided for in <b>Article 9 </b>hereof. UCFC
shall be entitled to any interest earned by such
Tax Benefit Escrow Amount. On March 15, 2009, the Tax Receivable Amount will be
released from the escrow in accordance
with the escrow agreement and paid to Parent. If the Tax Receivable Amount released from escrow is less than the Tax
Benefit Escrow Amount, any remaining amount in such Tax Benefit Escrow
will be paid to UCFC and if the Tax Receivable Amount released from escrow is
greater than the Tax Benefit Escrow Amount, such difference will be paid by
UCFC to Parent within five (5) business days following the release of the Tax
Benefit Escrow Amount. In any event, UCFC shall provide to Parent the calculation of the Tax Receivable Amount and such calculation
shall be subject to the review of
Parent. If UCFC and Parent disagree as to the proper calculation of the Tax Receivable
Amount, UCFC and Parent shall <u>utilize </u>the procedures set forth in <b>Section
2.4(b)(i) </b>of this Agreement to resolve such dispute.</p>
<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:1.45in'>(iii) In the
event that, subsequent to March 15, 2009, Parent, the Company, or
any related party thereto takes any action that results in the
non-deductibility (in whole or in part) of the Management Closing Bonus
Amount, Parent shall indemnify and hold harmless UCFC, on an after-tax
basis, for any Losses attributable to such lost deduction. In the event that any Governmental
Authority finally determines that the Management
Closing Bonus Amount is not deductible by the Company in the taxable year ending on the Closing Date and is instead
deductible (or amortizable) by the Company in any taxable year beginning subsequent to the Closing Date, Parent shall
immediately repay to UCFC the portion of the Tax Receivable Amount properly
attributable to the amount of the Management
Closing Bonus Amount that is determined not to be deductible by the Company
in the taxable year ending on the Closing Date.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (iv)&nbsp;&nbsp;
Other than as provided in this <b>Section </b>6.4Error! Reference source not found., after the Effective
Time, the Company will not be a party to, bound by or have any obligation under any Tax sharing agreement,
Tax indemnification agreement or similar contract or arrangement with
UCFC or its Affiliates.</p>

<p class=MsoNormal style='margin-top:5.4pt;text-align:justify;text-indent:1.45in'>&nbsp;
(f)&nbsp;&nbsp; UCFC shall
furnish to Parent, as provided in Section 1445(b)(2) of the Code, an affidavit (the <u>&quot;FIRPTA
Affidavit&quot;) </u>pursuant to Section 1445(a), stating under penalties of perjury, UCFC's United States taxpayer identification number and that UCFC is not a foreign person.</p>

<p class=MsoNormal style='margin-top:.4in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;line-height:150%'>6.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Employees of the Company.</u></p>

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<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'><i>(a)&nbsp;&nbsp;&nbsp; Plans
to be Withdrawn from or Transferred by the Company. </i>UCFC and/or BWC hereby agree to take or cause
the Company to take all necessary action to cause the withdrawal of the Company, as a participating employer, from all Plans
sponsored by UCFC, BWC or their ERISA Affiliates (other than the
Company), effective as of the Closing Date. UCFC
and/or BWC further agree to take all necessary action prior to Closing to
withdraw from any Company Benefit Plan in which the Company is the plan
sponsor and UCFC and/or BWC is a participating employer.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:
..5in'><i>(b)&nbsp;&nbsp; Deferred Compensation Plans. </i>Parent shall take all
commercially reasonable actions to assume the Company's deferred
compensation Plans for continuing, eligible Business Employees and
described on <u>Schedule 6.5(b), </u>which may be effectuated, at Parent's
election, by granting the right to convert all or a portion of their cash
balances into restricted shares of Parent Common Stock at the current
market price as of the time of conversion, subject to caps and limitations as Parent may elect, at
its discretion. Notwithstanding the
foregoing, in no event shall Parent be required to take any action that would
cause deferred compensation to be immediately includible in income or subject
to additional taxes or penalties, or to otherwise violate, Section 409A
of the Code. Notwithstanding any provision
of this Agreement to the contrary, in no event shall the Company
exercise or cause any third party to exercise any discretion to accelerate
vesting or to provide for an adjustment of appreciation units under the
Company's deferred compensation Plans without prior written authorization from
Parent.</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'><i>(c)&nbsp;&nbsp; Retention Plans. </i>Parent shall cause a retention
plan to be established with an aggregate of
not less than $8,000,000 to be awarded to eligible Business Employees as
determined by Parent.</p>

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<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'><i>(d)&nbsp; Senior
Management Agreements. </i>At or prior to the Closing Date, BWC and/or the
Company shall cause the change of control agreements and all other agreements and
compensation arrangements applicable to the Company and the Business between
BWC and/or the Company and the four senior management officers identified
on <u>Schedule 6.5(d)&nbsp; </u>to be terminated or amended, and no further payments (other than
payments contemplated by this <b>Section 6.5(d)) </b>shall be made thereunder.
Such terminations shall be in form and substance
reasonably acceptable to Parent and UCFC. In satisfaction of all amounts otherwise
payable under such agreements as of the Effective Time, and in consideration of
the termination of such agreements, the
Company shall accrue a liability, immediately prior to or at Closing, in
an aggregate amount set forth on <u>Schedule 6.5(d) </u>(such amount, the <u>&quot;Management Closing Bonus Amount&quot;), </u>the relevant.portion of which shall be payable to those employees identified on <u>Schedule 6.5(d), </u>in
each case, subject to such other terms and conditions, including the time, manner and amount of payment, as set
forth in one or more separate agreements entered into at or prior to the
Closing Date between the parties, which shall be in form and substance reasonably acceptable to Parent;
provided, however, that the amount of
any such termination payment to such an employee shall not exceed the individual maximum bonus amount set forth opposite
such individual's name on <u>Schedule </u><u>6.5(d), </u>and the aggregate
amount of all such termination payments for all such employees will not exceed the Management Closing Bonus
Amount. Notwithstanding the foregoing, in no event shall Parent or the Company be required to take any action that
would cause deferred compensation to be immediately includible in income
or subject to additional taxes or penalties, or to otherwise violate, Section
409A of the Code.</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.95in'>(e)&nbsp; <i>Severance
Payments. </i>Promptly following the execution and delivery of this
Agreement, Parent shall establish reasonable severance policy provisions to
facilitate the transition of the Company's operations following
Closing. In addition, the Company shall cause terminated employees to
receive their pro-rata vested portion of existing deferred compensation
grants in accordance with the Company's plan. Notwithstanding the foregoing,
in no event shall Parent, UCFC or the Company be required to take any action that would
cause deferred compensation to be immediately includible in income or subject to additional taxes or penalties,
or to otherwise violate, Section 409A of the Code.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
1.0in'><i>(f)&nbsp;&nbsp; Retiree Welfare Benefits. </i>Except as required pursuant to any Requirement
of Law, <b>Section 6.5(g) </b>hereof and Sections 601 through 608 of ERISA, the
Company
and Parent shall not have any obligation to provide welfare benefits to any
former employees, officers, directors or consultants of the Company or its
Affiliates after the Closing
Date.</p>
<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
1.0in'><i>(g)&nbsp;&nbsp; COBRA. </i>After the Closing Date, the
Company shall be responsible for the
continuation of health plan coverage, in accordance with the requirements of COBRA
and Sections 601 through 608 of ERISA, for any employee of the Company, or qualified beneficiary under a group health plan of
the Company, who, prior to the Effective Time, is receiving or is entitled to receive COBRA benefits or who loses
health coverage in connection with the transactions contemplated in this
Agreement.</p>
<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
1.0in'><i>(h)&nbsp;&nbsp;&nbsp; No Third-Party Beneficiary. </i>No provision of this
Agreement, including without limitation this <b>Section </b>6.5, shall create
any third-party beneficiary rights in any Person, including without limitation employees or former
employees (including any beneficiary or
dependent thereof) of the Company or UCFC, unions or other representatives of
such employees or former employees, or trustees, administrators, participants,
or beneficiaries of any Plan, and no
provision of this Agreement, including this <b>Section 6.5, </b>shall create
such third-party beneficiary rights in any such Person in respect of any
benefits that may be provided, directly or indirectly, under any Plan,
including the currently existing Plan.</p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.45in'>6.6 <u>Certain
Waivers. </u>Effective upon the Closing, each of UCFC and BWC shall be deemed to
have irrevocably waived, released and discharged the Company from any and all
liabilities and obligations to it of any kind or nature whatsoever, in its
capacity as a shareholder
of the Company, in each case whether absolute or contingent, liquidated or unliquidated, known or unknown, and
whether arising under any agreement or understanding (other than under this
Agreement or any of the Related Agreements) or otherwise at law or equity,
and each of UCFC and BWC shall be deemed to have agreed that it
shall not seek to recover any amounts in connection therewith or thereunder
from the Company; <i>provided that </i>the waivers contained in this <b>Section
6.6 </b>shall not apply to (i) claims arising under this Agreement or any
Related Agreement, (ii) any claims for which the facts or circumstances giving rise to such
claim first arise following the Closing Date, or (iii) any claims covered by
directors and officers insurance policies of the Company existing on the day prior to the date hereof. In furtherance of
the foregoing, UCFC shall be deemed to have agreed that it shall not make any claim for indemnification against the
Company solely by reason of the fact that UCFC or BWC is or was a shareholder
or any employee of UCFC or BWC who was a member, director, manager,
officer, employee or agent of the Company or</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>any individual is or was serving
at the request of the Company or entity (whether such claim is for judgments, damages, penalties, fines, costs,
amounts paid in settlement, losses, expenses
or otherwise and whether such claim is pursuant to any statute, charter
document, bylaw, agreement or
otherwise) with respect to any action, suit, proceeding, complaint, claim or
demand brought against UCFC or BWC.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;6.7 <u>Books and
Records. </u>From and after the Closing, subject to appropriate confidentiality agreements, Parent shall provide
UCFC and its representatives with reasonable
access, for any reasonable purpose, including but not limited to (a) preparing
Tax Returns, or (b) defending any
claim in respect of which a notice of claim has been served on UCFC, during normal business hours, to all
relevant books and records, including, but not limited to, accounting
and Tax records, sales and purchase documents, notes, memoranda, and any other electronic or written data <u>(&quot;Records&quot;).
</u>Unless otherwise consented to in writing
by UCFC, Parent shall not, for a period of 10 years following the date hereof
or such longer period as retention thereof is required by applicable
Requirements of Law, destroy, alter or otherwise dispose of (or allow the
destruction, alteration or disposal of) any of the Records without first
offering to surrender such Records to UCFC.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>&nbsp;6.8 <u>Public
Announcements. </u>UCFC, BWC, Parent and the Company shall consult with
each other before issuing any press release, making any other public statement or scheduling any press
conference or conference call with investors or analysts with respect to this Agreement or the transactions contemplated
hereby and, except as may be required by
any Requirements of Law or any listing agreement with or rule of any national
securities exchange or association, shall not issue any such press
release, make any such other public statement
or schedule any such press conference or conference call before such
consultation.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;6.9 <u>Filings
and Approvals. </u>Immediately following execution of this Agreement the Parties shall proceed
expeditiously and in good faith to make such filings, seek such approvals and
take all such other actions as may be reasonably necessary to satisfy the conditions to Closing, including, without
limitation, making any filings required to be made with FINRA, promptly. Each
Party shall consult with the other Party with respect to the obtaining of all material Consents of all
Governmental Authorities necessary or advisable to consummate the transactions contemplated by this
Agreement to the extent reasonably practicable,
and each Party shall keep the other Party apprised of the status of material matters
relating to completion of the transactions contemplated by this Agreement. Each
Party shall, upon request, furnish the other
Party with all information concerning itself, its subsidiaries, directors, officers and shareholders
and such other matters as may be reasonably
necessary or advisable in connection with any filing, notice or application
made by or on behalf of such other Party or any of its subsidiaries to
any third party or Governmental Authority in
connection with the Closing; <i>provided, however, </i>in the event that information is required regarding any individual
person, such information need not be provided
to any other Party. The Company shall use commercially reasonable efforts to obtain
all necessary Consents required hereunder.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>&nbsp;6.10 <u>Exclusivity.
</u>None of UCFC, BWC or the Company will permit their respective officers, directors,
employees or other agents or representatives to, at any time prior to the termination of this Agreement under <b>Section
10.1, </b>directly or indirectly, (i) take any action to solicit,
initiate or encourage the making of any Acquisition Proposal, or (ii)</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>discuss or
engage in negotiations concerning any Acquisition Proposal with, or further disclose any non-public
information relating to the Business to, any Person in connection with an
Acquisition Proposal, in each case, other than Parent and its representatives.
The term <u>&quot;Acquisition Proposal&quot; </u>as
used herein means any offer or proposal for the acquisition of the Company or
the Business or any portion thereof (other than in the Ordinary Course or with respect to obsolete equipment), whether by
way of merger, consolidation or statutory
share exchange or the acquisition of shares of capital stock, the acquisition
of assets or similar transaction.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>6.11 <u>Further
Assurances; Cooperation. </u>From and after the Closing, the Parties shall take such acts and execute
such documents and instruments as may be reasonably required to make effective the transactions contemplated hereby. On or
after the Closing Date, the Parties
shall, on request, cooperate with one another by furnishing any additional information, executing and delivering any
additional documents and instruments, including Contract assignments, and doing any and all such other things as may be
reasonably requested by the Parties or their counsel to consummate or
otherwise implement the transactions contemplated by this Agreement.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;line-height:112%'>6.12 <u>Notices
of Certain Events.</u></p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:1.0in'>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Each of Parent and the
Company shall, to the extent permitted by<br>
applicable Requirements of Law, promptly notify the other of</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:
1.05in'>&nbsp; (i)&nbsp;
any notice or other communication from any Person alleging that the consent of such Person
is or may be required in connection with the transactions contemplated by this
Agreement;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:80.1pt'>(ii) any
notice or other communication from any Governmental Authority in connection with the
transactions contemplated by this Agreement;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:1.05in'>&nbsp;(iii) any actions, suits, claims,
investigations or proceedings commenced or
threatened against, relating to or involving or otherwise affecting the Company or Parent and any of its Subsidiaries, as
the case may be, that, if pending on the date of this Agreement, would
have been required to have been disclosed pursuant
to any Section of <b>Article </b>3 or <b>Article </b>5 of this Agreement (as
the case may be) or that relate to the consummation of the transactions
contemplated by this Agreement;</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:1.5in;margin-bottom:.0001pt;text-align:justify'>(iv)&nbsp; any
material inaccuracy of any representation or warranty contained in
this Agreement at any time during the term of this Agreement that could
reasonably be expected to cause the conditions to closing set forth in <b>Article
</b>7 or Article 8
hereof not to be satisfied in any material respect; and</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:1.5in;margin-bottom:.0001pt;text-align:justify'>(v)&nbsp; any
failure of a Party to materially comply with or materially satisfy any
covenant, condition or agreement to be complied with or satisfied by such Party hereunder;</p>

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<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify'><i>provided, however, </i>that the delivery of any notice
pursuant to this <b>Section 6.12(a) </b>shall not
limit or otherwise affect the remedies available hereunder to the Party receiving
that notice.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:
..5in'>(b)&nbsp;
Notwithstanding the generality of the foregoing, if Parent's chief executive
officer, chief financial officer and/or any principal employee of Parent
responsible for the
negotiation, execution and performance of this Agreement has actual knowledge, either as of the date hereof or prior to Closing,
of any breach or misrepresentation of a representation or warranty or
any failure to perform a covenant by the Company, UCFC or BWC herein that would give rise to a claim for
indemnification of Indemnified Losses pursuant
to <b>Article 9 </b>hereof, Parent shall give prompt written notice to UCFC of
such breach or failure; <i>provided,
however, </i>that the delivery of any notice pursuant to this <b>Section </b><b>6.12(b)
</b>shall not limit or otherwise affect the remedies available hereunder to the
Party receiving that notice; and <i>provided,
further, </i>that knowledge that the officers, employees or agents of
the Company possessed prior to Closing shall not be imputed to the aforementioned officers of Parent simply by reason
of the purchase and sale transaction contemplated hereby.</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(c)&nbsp; Notwithstanding
anything to the contrary contained in this Agreement, but without limiting
Parent's rights under <b>Section </b>7.7, any written notice subsequent to the date of this
Agreement by the Company or UCFC and BWC to Parent or Parent to UCFC which
supplements, amends or corrects the Company Disclosure Letter, UCFC Disclosure Letter or Parent Disclosure
Letter, as applicable (each a <u>&quot;Disclosure </u><u>Supplement&quot;),
</u>shall, to the extent of such written disclosure, be deemed to modify the applicable representations and warranties of the
disclosing Person in this Agreement as though
such information was originally disclosed on the Company Disclosure Letter,
UCFC Disclosure Letter or Parent Disclosure Letter, as applicable.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>6.13
<u>Company Directives. </u>Parent covenants and agrees with UCFC that during the period
commencing on the date hereof and continuing until the Closing, none of Parent nor any of
its Affiliates shall, directly or indirectly, give any directive to any
Business Employee without the consent of UCFC. Parent further agrees that neither
it nor any of its Affiliates shall enter into any agreement or arrangement with
the Company on or prior to the Closing Date without the prior written consent of UCFC.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>6.14 <u>Assignment
of Butler Wick Principal Marks. </u>As soon as practicable after the Closing (but in no event later
than 10 Business Days thereafter), UCFC (a) shall cause the articles of incorporation (or equivalent
organizational documents) of each of BWC, Butler Wick Trust Company and
any other Affiliate of UCFC to be amended to remove any reference to the &quot;Butler Wick&quot; name or any other Butler Wick
Principal Marks owned by UCFC, BWC
or any of their Affiliates from the name of such Affiliate, (b) shall assign
(or cause to be assigned) all Butler Wick Principal Marks to Parent or
Stifel Nicolaus and (c) shall cease using such &quot;Butler Wick&quot;
Principal Marks as of the Effective Time.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>6.15 <u>Revenue
Sharing Agreements. </u>Promptly following the date hereof, and in any event prior to Closing, UCFC,
BWC and the Company shall revise and formalize the existing Revenue Sharing Agreements (on an account-by-account basis
with the current clients of the Company's Business Employees) to which
such parties and their Controlled</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>Affiliates
are a party, having a term of not less than three (3) years following the
Closing and otherwise on terms reasonably satisfactory to Parent
consistent with the current arrangements among such parties. None of the
Company, Parent, UCFC and BWC shall take any action or omit to take any action that <u>shall </u>cause
any such Revenue Sharing Agreement to be terminated at any time prior to three
(3) years following Closing.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;6.16 <u>Butler
Wick Trust Company Sublease Arrangement. </u>UCFC and/or BWC shall (a) promptly following the
date hereof, and in any event prior to Closing, enter into or modify, or cause Butler Wick Trust Company to
enter into or modify, on terms reasonably satisfactory to Parent, the subleasing arrangement that Butler Wick
Trust Company maintains with the
Company with respect to the Company Leased Real Property located at City
Centre One, Youngstown, Ohio and in Howland Ohio, as reflected on <u>Section
3.14(a)&nbsp; of the Company Disclosure Letter </u>(the <u>&quot;BWTC Subleased Property&quot;) </u>to
provide that Butler Wick Trust
Company's sublease obligation with respect to such Company Leased Real Property is co-terminous with the Company's
existing prime lease thereof, and (b) as part of such modification, covenant and agree that UCFC and/or BWC shall not, and
shall not cause Butler Wick Trust
Company to, terminate such sublease arrangement prior to the expiration
of such prime lease. In the alternative, UCFC and/or BWC may cause the Company
Lease for such Company Leased Real Property to be amended so that the obligations to the landlord thereunder are
separate obligations of each of the Company and Butler Wick Trust Company, or may otherwise cause the Company to be
released from any obligations with respect to such sublease, all on
terms reasonably satisfactory to Parent.</p>

<p class=MsoNormal align=center style='margin-top:.15in;text-align:center'><b>ARTICLE </b>7<br>
<b>CONDITIONS PRECEDENT TO OBLIGATIONS OF PARENT</b></p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>The obligation of
Parent to proceed with the Closing shall be subject to the satisfaction, on or prior to the Closing Date, of
each of the following conditions precedent, any of which may be waived
in whole or in part by Parent:</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;7.1 <u>Accuracy
of Representations and Warranties and Performance of </u><u>Obligations.
</u>All representations and warranties made by the Company, UCFC and/or BWC
pursuant to this Agreement shall be true and correct in all material respects,
except for those representations and warranties that are qualified as to
materiality which shall be true and correct in all respects, on and as of the Closing Date
with the same effect as if such representations
and warranties had been made on and as of the Closing Date (other than representations or warranties that address matters
only as of a certain date, which shall be true and correct in all material respects as of such certain date),
except to the extent of any change
expressly permitted by the terms of this Agreement or expressly consented to in
writing by Parent. The Company shall have performed or complied in all material
respects with all covenants,
agreements and conditions contained in this Agreement required to be performed or complied with at or prior to the
Closing. Each of the Company, UCFC and BWC shall deliver to Parent at
the Closing a certificate certifying that the conditions stated in this <b>Section
7.1 </b>as applicable to such entity have been fulfilled by the Company, UCFC
or BWC, as the case may be.</p>

<p class=MsoNormal style='margin-top:9.0pt;text-indent:.45in'>&nbsp;7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Consents and Approvals. </u>All material filings with
applicable Governmental
Authorities shall have been made and
any necessary Consents required from such</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>Governmental
Authorities shall have been obtained and shall be in full force and effect, except for
such Consents and approvals from Governmental Authorities, the failure of which to
obtain would not constitute a violation of any Requirement of Law or have or cause a Material Adverse Effect
on the Company.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;7.3 <u>No Litigation or Contrary
Judgment. </u>On the Closing Date, no valid Order, executive order, stay, decree, judgment or injunction shall be in effect
which prohibits or prevents the consummation of the transactions
contemplated by this Agreement.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;7.4 <u>No
Material Adverse Change. </u>There shall not have occurred after the date hereof any
event that has had or reasonably would be expected to have a Material Adverse Effect with respect to the
Company.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>&nbsp;7.5 <u>Company
Disclosure Letter; Schedules. </u>None of UCFC, BWC or the Company shall
have delivered a Disclosure Supplement to Parent pursuant to <b>Section </b>6.12(c) or
any Schedule which contains information that is to be delivered following the execution
hereof and prior to Closing, in either case containing information which, in
the commercially reasonable judgment of Parent, materially and adversely
affects the value of the Shares
and the Business.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-indent:.5in'> 7.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Deliveries at Closing. </u>At Closing, the Company, UCFC and
BWC, as<br>
applicable, shall deliver or cause to be delivered to Parent:</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(a)&nbsp; certificates
representing all the Shares, free and clear of all Liens, duly endorsed to
Parent (or to ,Stifel Nicolaus or other Affiliate assignee of Parent permitted hereunder, if elected by Parent)
or in blank accompanied by duly executed stock powers;</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in;line-height:120%'>(b)&nbsp;&nbsp; the Escrow
Agreement, duly executed by UCFC and BWC;</p>

<p class=MsoNormal style='margin-top:.1in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in;line-height:120%'>(c)&nbsp;&nbsp; the
Assignment of Trademarks, duly executed by UCFC and BWC;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in'>(d)&nbsp; Revenue
Sharing Agreements, in form and substance reasonably acceptable to Parent;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(e)&nbsp; a
written amendment or modification, consistent with <b>Section 6.16 </b>hereof,
with respect to the BWTC Subleased Property, in form and substance reasonably acceptable to Parent;</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(f)&nbsp; from
Squire, Sanders and Dempsey, L.L.P., counsel to the Company, UCFC and BWC, an
opinion of such counsel, dated the Closing Date, in form and substance reasonably acceptable to Parent;</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(g)&nbsp; the
written resignation of each member of the Board of Directors and, to the extent
requested by Parent, each officer of the Company set forth in <u>Section </u><u>7.6(g) of the Company Disclosure
Schedule;</u></p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-indent:.5in;line-height:130%'>(h)&nbsp; all
consents and approvals from Governmental Authorities;</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-indent:.95in'>(i)&nbsp; a certificate of good
standing of the Company, dated within five (5)<br>
Business Days of the Closing Date, from the Ohio Secretary of State;</p>

<p class=MsoNormal align=right style='margin-top:.15in;margin-right:0in;
margin-bottom:0in;margin-left:.95in;margin-bottom:.0001pt;text-align:left;
line-height:116%'>(j) all share transfer books, minute books and other corporate records
of the
Company;</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.95in'>(k) a copy,
certified by the Secretary of the Company to be true, complete and correct as of the
Closing Date, of the articles or certificate of incorporation, code of
regulations and resolutions of the shareholders and board of directors of the
Company, authorizing and approving the transactions contemplated hereby and the
incumbency of certain officers;</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..95in'>(l)&nbsp;
a copy, certified by the Secretary of UCFC to be true, complete and correct as
of the Closing Date, of the resolutions of the board of directors of UCFC, authorizing and approving the
transactions contemplated hereby;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(m) a copy, certified by the
Secretary of BWC to be true, complete and correct as of the Closing Date, of
the resolutions of the board of directors of BWC, authorizing and approving the
transactions contemplated hereby;</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in;line-height:122%'>(n) the
certificates required to be delivered pursuant to <b>Section 7.1;</b></p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-indent:.5in;line-height:120%'>(o)&nbsp; the FIRPTA
Affidavit; and</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(p) such other customary
documents, instruments or certificates as shall be reasonably requested by Parent and as shall be consistent with the
terms of this Agreement.</p>

<p class=MsoNormal align=center style='margin-top:12.6pt;text-align:center'><b>ARTICLE </b>8<br>
<b>CONDITIONS PRECEDENT TO OBLIGATIONS OF UCFC, BWC AND THE<br>
COMPANY</b></p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>The
obligation of the Company, BWC and UCFC to proceed with the Closing shall be subject
to the satisfaction, on or prior to the Closing Date, of each of the following conditions precedent, any of
which may be waived in whole or in part by UCFC:</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>8.1 <u>Accuracy
of Representations and Warranties of Parent and Performance of </u><u>Obligations. </u>All representations and
warranties made by Parent in this Agreement shall be true and correct in all material respects, except for those
representations and warranties that are
qualified as to materiality which shall be true and correct in all respects, on
and as of the Closing Date with the
same effect as if such representations and warranties had been made on and as of the Closing Date (other than
representations or warranties that address matters only as of a certain date,
which shall be true and correct in all material respects as of such certain date), except to the extent of any change
permitted by the terms of this Agreement or consented to by UCFC. Parent shall have performed or complied in all
material respects with all covenants,
agreements and conditions contained in this Agreement on its part required to
be performed or complied with (or caused to be performed or complied with) at or
prior to the Closing. Parent shall deliver to UCFC at the Closing a certificate
of an officer of Parent certifying that the conditions stated in this <b>Section
8.1 </b>have been fulfilled.</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">52</p>
  </td>
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.45in'>&nbsp;8.2 <u>Consents
and Approvals. </u>All filings with Governmental Authorities shall have been
made and any necessary Consents required from such Governmental Authorities shall have
been obtained and shall be in full force and effect, except for such Consents
and approvals of Governmental Authorities, the failure of which to obtain
would not constitute a violation of any Requirement of Law or have or cause a
Material Adverse Effect on the Company.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;8.3 <u>No Litigation or Contrary Judgment. </u>On
the Closing Date, no valid Order, executive order, stay decree, judgment
or injunction shall be in effect which prohibits or prevents the consummation
of the transactions contemplated by this Agreement.</p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.45in'>&nbsp;8.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Deliveries of Parent at Closing. </u>At Closing Parent shall
deliver, or cause to
be delivered, to UCFC (on behalf of itself and BWC):</p>



<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:0in;margin-bottom:.0001pt;text-indent:1.0in'>(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Purchase Price as described in <b>Section 2.2;</b></p>
<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:0in;margin-bottom:.0001pt;text-indent:1.0in'>&nbsp;</p>
<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:0in;margin-bottom:.0001pt;text-indent:1.0in'>(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the Escrow Agreement, duly executed by Parent;&nbsp;&nbsp; </p>
<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:0in;margin-bottom:.0001pt;text-indent:1.0in'>&nbsp;</p>
<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:0in;margin-bottom:.0001pt;text-indent:1.0in'>(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the certificate required to be delivered pursuant to <b>Section 8.1;</b></p>
<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:0in;margin-bottom:.0001pt;text-indent:1.0in'>&nbsp;</p>
<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:0in;margin-bottom:.0001pt;text-indent:1.0in'>(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a certificate of good standing of Parent, dated within five (5)
Business Days of the
Closing Date, from the Delaware Secretary of State;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:0in;margin-bottom:.0001pt;text-indent:1.0in'>(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;an opinion of Bryan Cave LLP, in form and substance reasonably acceptable to UCFC; and</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
1.0in'>(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; such other
customary documents, instruments or certificates as shall be reasonably
requested by UCFC and as shall be consistent with the terms of this Agreement.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..45in'>&nbsp;8.5 <u>Actions
Required by Section 6.5(d). </u>The agreements with the senior management
officers identified in <b>Section 6.5(d) </b>shall have been terminated (or
amended in form
reasonably satisfactory to Parent) as required by <b>Section 6.5(d), </b>and
the Management Closing Bonus Amount shall
have been accrued on by the Company and reflected in the Estimated
Closing Date Balance Sheet.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>&nbsp;8.6 <u>Certificate.
</u>Parent shall deliver to UCFC and the Company a certificate executed by
the Secretary of Parent certifying as of the Closing Date (x) a true and
correct copy of the
Articles or Certificate of Incorporation, as applicable, and bylaws of Stifel Nicolaus, (y) a true and correct copy of the
resolutions of the Boards of Directors of Parent authorizing the execution,
delivery and performance by Parent of this Agreement and the consummation
of the transactions contemplated hereunder and (z) incumbency matters.</p>

<p class=MsoNormal align=center style='margin-top:12.6pt;text-align:center'><b>ARTICLE 9<br>
INDEMNIFICATION</b></p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.45in'>&nbsp;9.1 <u>Survival of Representations and Warranties. </u>All of the
representations and warranties made
by any Party in this Agreement, its Disclosure Letter or any certificates or documents
delivered hereunder, shall survive the Closing Date and consummation of the</p>

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  <td valign=top align=left height=19 style='padding-top:0in;padding-right:
  5.0pt;padding-bottom:0in;padding-left:5.0pt'>
  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">53</p>
  </td>
 </tr>
</table>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>transactions
contemplated hereby and will continue for a period of eighteen (18) months following the Closing Date, at
which time they shall expire; <i>provided, however, </i>that such expiration
shall have no effect on any notice of claim made prior to such expiration with
respect to any breach of such representation or warranty occurring prior to
such expiration and set out in such notice
of claim; and provided further, that the representations and warranties of UCFC and the Company contained in
(i) <b>Section 3.1 </b>(Organization and Good Standing; No
Subsidiaries), <b>Section 3.3 </b>(Authorization; Binding Obligations), <b>Section
3.10 </b>(Title; Sufficiency of Assets), <b>Section
3.18 </b>(Company Capitalization), <b>Section 3.21 </b>(Brokers), <b>Section
</b>4.1 (Organization and Good Standing), <b>Section </b>4.2 (Ownership), <b>Section
4.3 </b>(Authorization; Binding Obligations)
and <b>Section </b>4.6 (Brokers) shall survive the Closing Date indefinitely and not terminate, and (ii) <b>Section
3.17 </b>(Taxes) shall survive the Closing Date until the expiration of the applicable statute of limitation,
including any suspensions, tollings
or extensions thereof; <i>provided, however, </i>that any such expiration shall
have no effect on any notice of claim
made prior to such expiration with respect to any breach of such representation or warranty occurring prior to
such expiration and set out in such notice of claim. No Indemnified Party shall be entitled to indemnification for
breach of any such surviving representation and warranty unless a notice
of claim of such breach has been given to the
Indemnifying Party within the period of survival of such representation and
warranty as set forth herein.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>9.2 <u>Indemnification
by UCFC and BWC. </u>Subject to the terms and conditions of this <b>Article
9, </b>including the limitations with respect to amounts and sources of funds
set forth in <b>Section
9.6 </b>below, among others, from and after Closing, UCFC and BWC shall jointly and severally indemnify and hold harmless
Parent and its Affiliates (including, from and after the Closing, the Company
and its Affiliates) and the shareholders, directors, officers, partners, employees, successors,
assigns, representatives and agents of each of them in their capacities as such (collectively, the <u>&quot;Parent
Indemnified Persons&quot; </u>and each a <u>&quot;Parent </u><u>Indemnified Person&quot;), </u>from and against, and neither UCFC nor BWC shall
have, and each shall be deemed to
waive, any claim for contribution or indemnity against any such Parent Indemnified Person with respect to, any and all
claims, losses, monetary damages, liabilities, fines, fees, penalties, expenses or costs (collectively, <u>&quot;Losses&quot;),
</u>plus reasonable attorneys' fees and expenses, including court costs
and expert witness fees and costs, incurred in connection with Losses (in all, <u>&quot;Indemnified
Losses&quot;), </u>but excluding consequential, punitive, indirect, exemplary damages or any damages
measured by lost profits or a multiple of earnings; provided however, that the foregoing exclusion shall not apply
to amounts paid to unaffiliated third
parties in respect of an indemnifiable claim hereunder (in all,
&quot;Indemnified Losses&quot;), incurred or to be incurred by any of
them resulting from or arising out of:</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(a)&nbsp; the breach of any agreement,
covenant, representation, warranty, or other
obligation of the Company, BWC or UCFC made or incurred under or pursuant to this Agreement or the Related Agreements delivered
pursuant hereto or in connection with the Closing;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(b)&nbsp; transaction costs and
expenses incurred prior to Closing by the Company
on behalf of the Company, BWC or UCFC in connection with this Agreement and the transactions contemplated hereby,
including without limitation, fees and expenses relating to any
investment banker, broker, lawyer or accountant.</p>

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  5.0pt;padding-bottom:0in;padding-left:5.0pt'>
  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">54</p>
  </td>
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>&nbsp;9.2A <u>Tax
Indemnity by UCFC. </u>Subject to the terms and conditions of this Article 9, including the limitations set
forth in <b>Section 9.6 </b>below and excluding any Liabilities for Taxes that are reflected on the Reference Balance
Sheet, UCFC shall indemnify and hold harmless the Parent Indemnified Persons
from and against any and all Indemnified Losses incurred or to be incurred by any of them, resulting from or arising out
of any liability of the Company for
its own Taxes or its Liability, if any (for example, by reason of transferee Liability or application of Treasury Regulation
Section 1.1502-6), for Taxes of others, including, but not limited to, UCFC or any Controlled Affiliate of UCFC,
or damage or Indemnified Losses
payable with respect to Taxes claimed or assessed against the Company: (i)
for any taxable period ending on or before the Effective Time or as a result of
the transactions contemplated hereunder or
(ii) for any taxable period resulting from a breach of any of the representations, warranties or
covenants contained in <b>Sections 3.17 </b>or 6.4 hereof.</p>

<p class=MsoNormal style='margin-top:5.4pt;text-align:justify;text-indent:.5in'>&nbsp;9.3 <u>Indemnification
by Parent. </u>Subject to the terms and conditions of this <b>Article 9, </b>including the
limitations set forth in <b>Section 9.6 </b>below, Parent shall indemnify and hold harmless UCFC and BWC
and their respective heirs, legal representatives, assigns and agents (the <u>&quot;Seller Indemnified
Persons&quot;) </u>from and against any and all Indemnified Losses
incurred or to be incurred by any of them, resulting from or arising out of:</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(a)&nbsp; the
breach of any agreement, covenant, representation, warranty, or other
obligation of Parent made or incurred under this Agreement or any document delivered pursuant hereto or in
connection with the Closing; and</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(b)&nbsp; Liability of the Parent or
its subsidiaries (exclusive of the Company) for
Taxes for any taxable period ending on or before the Effective Time or for any
Taxes of Parent or its subsidiaries
(including the Company and its subsidiaries) after the Effective Time.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;9.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Notice of Claim. </u>In the event that Parent seeks
indemnification on behalf of<br>
a Parent Indemnified Person, or UCFC
or BWC seeks indemnification on behalf of a Seller Indemnified Person, such
Party seeking indemnification (the <u>&quot;Indemnified Party&quot;) </u>shall
give reasonably prompt written notice
to the indemnifying Party (the <u>&quot;Indemnifying Party&quot;) </u>specifying
the facts constituting the basis for such claim and the amount, to the extent known, of the claim asserted; <i>provided,
however, </i>that the right of a Person to be indemnified hereunder shall not be adversely affected by a
failure to give such notice unless, and then only to the extent that, an
Indemnifying Party is actually irrevocably and materially</p>

<p class=MsoNormal style='text-align:justify'>prejudiced thereby. Subject to the
terms hereof, the Indemnifying Party shall pay the amount of any valid claim not
more than 20 days after the Indemnified Party provides notice to the
Indemnifying Party of such amount.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>&nbsp;9.5 <u>Right
to Contest Claims of Third Persons. </u>If an Indemnified Party is entitled to
indemnification hereunder (notwithstanding the limitations contained in <b>Section
9.6 </b>hereof) because of a claim asserted by any claimant (other than an
indemnified person hereunder) <u>(&quot;Third Person&quot;), </u>the
Indemnified Party shall give the Indemnifying Party prompt notice
thereof after such assertion is actually known to the Indemnified Party; <i>provided,
however, </i>that the right of a Person to be indemnified hereunder
in respect of claims made by a Third Person shall not be adversely affected by
a failure to give such notice unless, and then only to the extent that, an
Indemnifying Party is actually irrevocably and materially prejudiced thereby. The Indemnifying
Party shall have the right, upon written</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">55</p>
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>notice to the
Indemnified Party, and using counsel reasonably satisfactory to the Indemnified Party, to control any
such matter including the right to investigate, contest or settle the claim alleged by such Third Person (a <u>&quot;Third
Person Claim&quot;), </u><i>provided that </i>the Indemnifying Party has
unconditionally acknowledged to the Indemnified Party in writing of its obligation, subject to any and all limitations
contained in this <b>Article 9, </b>to indemnify the Indemnified Person or
Indemnified Persons with respect to such Third Person Claim and to discharge (and does in fact so discharge) any cost
or expense arising out of such investigation,
contest or settlement. The Indemnified Party may thereafter participate in (but
not control) the defense of any such Third Person Claim with its own
counsel at its own expense, unless separate representation is necessary to
avoid a conflict of interest, in which case
such representation shall be at the expense of the Indemnifying Party. Unless
and until the Indemnifying Party so acknowledges its obligation to
indemnify, the Indemnified Party shall have the right, at its option, to assume
and control defense of the matter and to look to the Indemnifying Party for the
full amount of the reasonable costs of defense. If the Indemnifying Party thereafter seeks to question the manner in which the
Indemnified Party defended such Third Person Claim or the amount or nature of
any such settlement, the Indemnifying Party shall have the burden to
prove by clear and convincing evidence that the conduct of the Indemnified
Party in the defense and/or settlement of such Third Person Claim constituted gross negligence or willful
misconduct. The Parties shall make available to each other all relevant information in their possession relating to any
such Third Person Claim and shall cooperate in the defense thereof.</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;line-height:115%'>9.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Limitations on Indemnity. </u></p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(a)&nbsp; Notwithstanding
anything contained herein to the contrary, UCFC<sub>.</sub> and BWC shall
have no obligation to indemnify the Parent Indemnified Persons in respect of
Indemnified Losses until all Indemnified Losses exceed $100,000 (after
application of any reserves previously established and included in the Reference
Balance Sheet, all in accordance with GAAP) in the aggregate and then only for
those Indemnified Losses in excess of $100,000 (except for Indemnified Losses
resulting from or arising under <b>Section </b><b>3.1 </b>(Organization
and Good Standing; No Subsidiaries), <b>Section 3.3 </b>(Authorization; Binding
Obligations),
<b>Section 3.10 </b>(Title; Sufficiency of Assets), <b>Section </b>3.18
(Company Capitalization),
<b>Section </b>3.21 (Brokers), <b>Section 4.1 </b>(Organization and Good
Standing), Section 4.2 (Ownership), <b>Section
4.3 </b>(Authorization; Binding Obligations) and <b>Section 4.6 </b>(Brokers)
and <b>Section 9.2A </b>(Tax Indemnity by UCFC), as to which the foregoing
$100,000 limitation shall not apply). Additionally, except as set forth in <b>Section
9.1, </b>in no event shall UCFC and BWC be liable to or be required to
indemnify any of the Parent Indemnified Persons
for any Indemnifiable Loss or Losses of any of the Parent Indemnified Persons under <b>Sections 9.2(a) and (b) </b>hereof that
arise after the eighteen (18) month anniversary of the Closing Date at which time the obligations
contained in such sections shall terminate; <i>provided, however, </i>that
any such expiration shall have no effect on any notice of any specific claim made by any Parent Indemnified Persons
occurring prior to any such expiration set forth in such notice of
claim.</p>

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  5.0pt;padding-bottom:0in;padding-left:5.0pt'>
  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">56</p>
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<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(b)&nbsp; In no
event shall the Sellers have any obligation to indemnify the Parent
Indemnified Persons in respect of Indemnified Losses (over and above the
$100,000 limitation in <b>Section 9.6(a)) </b>in excess of $1,500,000 (except for
Indemnified Losses resulting
from or arising under <b>Section 3.1 </b>(Organization and Good Standing; No Subsidiaries), <b>Section </b>3.3
(Authorization; Binding Obligations), <b>Section 3.10 </b>(Title; Sufficiency of Assets), <b>Section 3.18 </b>(Company
Capitalization), <b>Section </b>3.21 (Brokers), <b>Section 4.1 </b>(Organization
and Good Standing), <b>Section </b>4.2 (Ownership), <b>Section 4.3 </b>(Authorization;
Binding Obligations) and <b>Section </b>4.6 (Brokers) and <b>Section 9.2A </b>(Tax
Indemnity by UCFC), as to which the foregoing $1,500,000 limitation shall not
apply).</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(c) In order to ensure that the
representations, warranties and covenants made
by the Company, UCFC and/or BWC under this Agreement are not breached and in order to provide for a non-exclu<sup>g</sup>ive
source of recovery by Parent and the Company in the event of such breach, the Company, UCFC and BWC
agree that on the Effective Date, Parent shall deposit $600,000 (the <u>&quot;Indemnification
Escrow Amount&quot;) </u>into an escrow account (the <u>&quot;Escrow Account&quot;) </u>with the Escrow Agent.
Any interest accrued with respect to
such Indemnification Escrow Amount shall be disbursed to UCFC on monthly basis.
The term of the Escrow Account
pursuant to the Escrow Agreement shall be eighteen (18) months from Closing
(the <u>&quot;Escrow Period&quot;). </u>Any release of an Indemnification
Escrow Amount made from the Escrow
Account on account of any breach of this Agreement shall be made as set forth in the Escrow Agreement.
Notwithstanding the foregoing, on the six (6) and twelve (12) month anniversaries of the Escrow Period (each
referred to herein as the <u>&quot;First Escrow Release Date&quot; </u>and <u>&quot;Second
Escrow Release Date&quot;, </u>respectively), the Escrow Agent shall release from escrow and promptly
disburse to UCFC one-third (33.33%) of the Indemnification Escrow Amount, net of any claims for indemnification. At
the end of the Escrow Period the
Escrow Agent shall promptly disburse to UCFC any remaining balance from
the Escrow Account.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>At any time
after the Closing Date through and including the last day of the Escrow Period,
a Parent Indemnified Person may send a notice (the <u>&quot;Escrow Claim
Notice&quot;) </u>to the Escrow
Agent (with a copy to the Indemnifying Party) that (i) states that such Parent Indemnified Person is asserting a claim pursuant
to the indemnification provisions of this <b>Article 9 </b>and which states
the basis for such claim, (ii) sets forth the Indemnification Escrow
Amount equal to the aggregate dollar amount of such Loss (the <u>&quot;Requested
Indemnification Escrow Amount&quot;) </u>and (c) states that a copy of the notice of claim
under <b>Section </b>9.4 above, has been sent to the Indemnifying Party. If the
Escrow Agent does not receive a written objection from the Indemnifying Party
within twenty (20) Business Days following
the delivery of the Escrow Claim Notice to the Indemnifying Party, the parties hereto agree that the Escrow Agent shall deliver
to the Parent Indemnified Person the Requested Indemnification Escrow
Amount. In the event the Escrow Agent does receive from the Indemnifying Party a written objection to the Escrow Claim
Notice on or before the twentieth (20th) Business Day following the delivery of
the Escrow Claim Notice, or if for any other reason the Escrow Agent in good
faith shall elect not to make such payment, the parties hereto agree
that the Escrow Agent shall continue to hold the Requested Indemnification Escrow Amount pending receipt of a
final, binding, non-appealable judicial decision, an arbitral decision of an arbitration panel to be jointly
appointed by UCFC and Parent, or a
written agreement between the Parent Indemnified Person and the Indemnifying Party in which case the Requested
Indemnification Escrow Amount shall be disbursed in accordance with such
decision, judgment or agreement.</p>

<p class=MsoNormal style='margin-top:.05in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(d)&nbsp; Except for the
representations and warranties contained in this Agreement, as the same may be
qualified by the applicable disclosure letters, of the</p>

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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>Company, UCFC and BWC and Parent,
and any amendments or supplements thereto, no party makes any other express or
implied representation or warranty to the others, and the parties acknowledge that, in entering into this Agreement,
they have not relied on any representations or warranties of any party other
than the representations and warranties set forth in this Agreement, as the
same may be qualified by the applicable disclosure letters, and any
amendments or supplements thereto.</p>
<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9.7&nbsp;&nbsp;&nbsp;&nbsp;<u>Indemnified
Losses Covered by Insurance. </u>To avoid any duplicative recovery by any Indemnified Parties, no Indemnified Party
shall be entitled to indemnification to the
extent of any available insurance proceeds for any such Loss or Losses (whether under UCFC's, BWC's, the Company's
or Parent's insurance policies, as applicable),
less the reasonable expenses incurred to obtain such proceeds. Parent and UCFC
agree that any Indemnifying Party may pursue coverage of any Indemnified Loss
for the benefit of an Indemnified Party
under all available insurance policies, including control of any required litigation against an insurer. Any
such Indemnified Party shall use reasonable best efforts (but shall not be required to institute legal proceedings) to
pursue insurance claims that may reduce such Indemnified Losses.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>9.8.
<u>Characterization of Indemnity Payments. </u>Any indemnification payments made
pursuant to this Agreement shall be considered, to the extent permissible under
Requirements of Law,
as adjustments to the Purchase Price for all Tax purposes.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>9.9. <u>Exclusive Remedy. </u>The
Parties acknowledge and agree that the foregoing indemnification provisions in this <b>Article 9 </b>shall be the
exclusive remedy of the Parties for damages
arising out of, resulting from or incurred in connection with any claims
related to this Agreement or arising out of the transactions
contemplated by this Agreement. Notwithstanding
the foregoing, the Parties may pursue injunctive relief for breach of any covenant
or agreement contained herein and in the event of any acts of fraud, the
Parties shall have all remedies available in law or in equity (including for
tort) with respect to such fraud.</p>

<p class=MsoNormal align=center style='margin-top:12.6pt;margin-right:0in;
margin-bottom:5.4pt;margin-left:0in;text-align:center'><b>ARTICLE 10<br>
TERMINATION</b></p>

<p class=MsoNormal style='margin-left:.45in;line-height:131%'>10.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <u>Methods of Termination. </u>This
Agreement may be terminated at any time:</p>

<p class=MsoNormal style='margin-top:.1in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-indent:.5in;line-height:117%'>(a)&nbsp;&nbsp; by mutual
consent of Parent and UCFC;</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(b)&nbsp; by (i)
Parent or (ii) UCFC, if the Closing has not occurred on or before March
31, 2009 (the <u>&quot;Termination Date&quot;); </u><i>provided that </i>if any
Party (or, in the case of UCFC, BWC or the Company) has breached or
defaulted with respect to its obligations under this Agreement on or before
such date, such Party may not terminate this Agreement pursuant to
this <b>Section 10.1(b), </b>and each other Party to this Agreement may at its
option enforce its rights against such breaching or defaulting Party and seek
any remedies against such Party, in either case as provided hereunder or under
applicable Requirements of Law; <u>provided further, however, </u>that if the
Closing has not occurred by the Termination Date solely as a result of the
breach by Parent of its covenant herein with respect to obtaining approval of
any applicable Governmental Authority, Parent may not terminate this Agreement without the consent of
UCFC;</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(c)&nbsp; by
Parent, prior to the Termination Date, if (i) any of the conditions specified in
<b>Article </b>7 hereof becomes incapable of being satisfied or (ii) if after
notice and twenty
(20) days opportunity to cure, the Company, BWC or UCFC is otherwise in
material default under this Agreement or if
such material default is incapable of being cured; <i>provided </i><i>that </i>the right
to terminate this Agreement under this <b>Section 10.1(c) </b>shall not be
available to Parent if the nonfulfillment of the conditions to Parent's
obligation to close set forth in <b>Article </b>7 results from the breach by
Parent of any of its representations, warranties, covenants or obligations
contained herein; or</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(d)&nbsp; by UCFC on or prior to the
Termination Date, if (i) any of the conditions
specified in <b>Article </b>8 hereof becomes incapable of being satisfied or
(ii) if, after notice and twenty (20) days opportunity to cure, Parent is
otherwise in material default under this
Agreement or if such material default is incapable of being cured; <i>provided
that </i>the right to terminate this Agreement under this <b>Section 10.1(d)
</b>shall not be available to UCFC if the nonfulfillment of the conditions to
UCFC's obligation to close set forth in <b>Article </b>8 results from the
breach by UCFC of any of its representations, warranties, covenants or
obligations contained
herein.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>10.2
<u>Procedure Upon Termination. </u>In the event of termination of this Agreement
pursuant to <b>Section 10.1 </b>above, and subject to the proviso contained in <b>Section
</b><b>10.1(b), </b>this Agreement shall terminate and the transactions
contemplated hereunder shall not occur, without further action by any of the
parties hereto. If this Agreement is terminated as provided herein:</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(a) each
Party shall either destroy or redeliver all documents and other material of
any other Party relating to the transactions contemplated hereby, whether obtained before or after the
execution hereof, to the Party furnishing the same;</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in'>(b) all information received by
any Party hereto with respect to the business
of any other Party (other than information which is a matter of public
knowledge or which has heretofore been or is hereafter published in any
publication for public distribution or
filed as public information with any governmental authority) shall not at any time be used for the advantage of, or disclosed to
third parties by, such Party to the detriment of the Party furnishing
such information.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>10.3
<u>Effect of Termination. </u>In the event of the termination of this Agreement
as provided in <b>Section 10.1, </b>this Agreement shall forthwith become
void and there shall be no liability of any Party hereto except (a) as set
forth in <b>Section 6.1 </b>and this <b>Section 10.3, </b>and (b) that
nothing herein shall relieve any Party hereto from liability for any breach of
this Agreement and all rights and remedies arising as a result of such breach
shall remain available to any non-breaching Party. The provisions of
this <b>Section 10.3 </b>shall survive any termination of this Agreement.</p>

<p class=MsoNormal align=center style='margin-top:.15in;text-align:center'><b>ARTICLE 11<br>
MISCELLANEOUS PROVISIONS</b></p>

<p class=MsoNormal style='margin-top:.15in;text-indent:.5in'>11.1 <u>Notice.
</u>All notices, requests, demands and other communications required or permitted under this Agreement
shall be in writing and shall be deemed to have been duly</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>given (a) when delivered in
person, (b) by fax, receipt confirmed, (c) on the next Business Day when sent by overnight courier, or (d) on the
second succeeding Business Day when sent by registered or certified mail
(postage prepaid, return receipt requested), to the respective Parties at the following addresses (or at such other address
for a Party as shall be specified by like notice):</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;line-height:112%'>If to Parent:</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;line-height:110%'>Stifel Financial
Corp.<br>
501 N. Broadway<br>
St. Louis, Missouri 63102<br>
Telephone: (314) 342-2000<br>
Fax: (314) 342-2115<br>
Attention:
Ronald J. Kruszewski, Chairman, President and CEO</p>

<p class=MsoNormal style='margin-top:.3in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;line-height:120%'>With copies to:</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;line-height:110%'>Bryan Cave LLP</p>

<p class=MsoNormal style='margin-top:0in;margin-right:3.05in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt'>One Metropolitan Square, Suite
  3600 211 North
Broadway<br>
St. Louis, Missouri 63102<br>
Telephone: (314) 259-2000<br>
Fax: (314) 259-2020<br>
Attention: James L. Nouss, Jr.<br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Robert J.
Endicott</p>

<p class=MsoNormal style='margin-top:.15in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;line-height:112%'><u>If to UCFC:</u></p>

<p class=MsoNormal style='margin-top:.3in;margin-right:3.15in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt'>United Community Financial Corp.<br>
&nbsp;275 West Federal Street<br>
Youngstown, Ohio 44503-1203 <br>
Telephone:
(330) 742-0500<br>
Fax: (330) 742-0532<br>
Attn: General Counsel</p>

<p class=MsoNormal style='margin-top:12.6pt;margin-right:0in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt;line-height:120%'>With a copy to:</p>

<p class=MsoNormal style='margin-top:.1in;margin-right:0in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt;line-height:110%'>Squire, Sanders
&amp; Dempsey L.L.P.</p>

<p class=MsoNormal style='margin-top:0in;margin-right:3.95in;margin-bottom:
0in;margin-left:.45in;margin-bottom:.0001pt'>221 East Fourth Street Suite 2900</p>

<p class=MsoNormal style='margin-top:0in;margin-right:3.7in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt'>Cincinnati, Ohio 45202<br>
&nbsp;Telephone: (513)
361-1200<br>
&nbsp;Fax: (513) 361-1201<br>
Attn: James J.
Barresi, Esq.</p>
<p class=MsoNormal style='margin-top:0in;margin-right:3.7in;margin-bottom:0in;
margin-left:.45in;margin-bottom:.0001pt'>&nbsp;</p>

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  <p align="center">60</td>
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>11.2 <u>Entire Agreement. </u>This
Agreement and the Disclosure Letters, Annexes, Schedules and Exhibits hereto embody the entire agreement and
understanding of the Parties hereto with respect to the subject matter
hereof, and supersede all prior and contemporaneous agreements and
understandings relative to such subject matter.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>11.3
<u>Amendment and Modification. </u>To the extent permitted by applicable Law, this
Agreement shall be amended, modified or supplemented only by a written
agreement among the
Parties hereto.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>11.4
<u>Assignment; Binding Agreement. </u>This Agreement and the various rights and
obligations
arising hereunder shall inure to the benefit of and be binding upon the Parties
hereto and their successors, and permitted assigns. Neither this Agreement nor
any of the rights, interests, or obligations hereunder shall be
transferred, delegated, or assigned (by operation of law or otherwise), by any
Party hereto without the prior written consent of the other Parties, except
that (i) Parent shall have the right to transfer and assign any or all of its
rights and obligations hereunder to Stifel Nicolaus, provided that, in the
event of any such assignment, Parent shall remain liable in full for the
performance of the obligations hereunder of Parent and its assignee, and (ii) UCFC shall have the
right to assign its rights to receive payments, but not its obligations,
hereunder.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>11.5 <u>Waiver
of Compliance; Consents. </u>Any failure of either UCFC, BWC or (prior to the
Closing) the Company, on the one hand, or Parent, on the other hand, to comply with
any obligation, covenant, agreement or condition herein may be waived by Parent, on
the one hand, or UCFC, on the other hand, only by a written instrument signed by the Party
granting such waiver, but such waiver or failure to insist upon strict
compliance with such obligation, covenant, agreement or condition shall not
operate as a waiver of or estoppel with respect to, any subsequent or
other failure. Whenever this Agreement requires or permits consent by or on
behalf of any Party hereto, such consent shall be given in writing in a manner consistent
with the requirements for a waiver of compliance as set forth in this <b>Section
11.5.</b></p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>11.6
<u>Expenses. </u>Except as otherwise provided for herein, (a) all costs and expenses incurred by Parent in
connection with this Agreement and the transactions contemplated hereby shall be paid by Parent and (b) all costs and
expenses incurred by UCFC, BWC or the
Company in connection with this Agreement and the transactions contemplated
hereby shall be paid by UCFC or BWC.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>11.7 <u>Counterparts.
</u>This Agreement may be executed in multiple counterparts, and on separate counterparts,
each of which shall be deemed an original, but all of which taken together
shall constitute one and the same instrument. Any party hereto may execute this Agreement by electronic signature (including
facsimile or portable document format (PDF)), and the other parties
hereto will be entitled to rely on such signature as conclusive evidence that
this Agreement has been duly executed by such party.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>11.8 <u>Severability. </u>Subject
to the provisions set forth in <b>Section 6.3(a) </b>regarding judicial modification of the covenant not to
compete, if any other provision of this Agreement shall be determined to be contrary to law and unenforceable
by any court of law, all other conditions and provisions of this
Agreement shall nevertheless remain in full force</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">61</p>
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<p class=MsoNormal style='margin-top:1.8pt;text-align:justify'>and effect so
long as the economic or legal substance of the transactions contemplated hereby are not affected in any
manner materially adverse to any Party. Upon such determination that any term or other provision is invalid, illegal or
incapable of being enforced, the
Parties shall negotiate in good faith to modify this Agreement so as to effect the original intent of the Parties as closely as
possible in an acceptable manner to the end that the transactions
contemplated hereby are fulfilled to the extent possible.</p>

<p class=MsoNormal style='margin-top:.15in;text-align:justify;text-indent:.5in'>11.9 <u>Governing
Law. </u>This Agreement shall in all respects be construed in accordance with and governed by
the substantive laws of the State of New York.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>11.10 <u>No Third
Party Beneficiaries or Other Rights. </u>Nothing contained herein, including, without limitation, the provisions of <b>Section
</b>6.5 regarding employees of the Company, shall grant to or create in any
Person not a Party hereto, or any such Person's dependents, heirs,
successors or assigns, any right to any benefits hereunder, and no such Person
shall be entitled to sue any Party to this Agreement with respect thereto. The representations and warranties contained in this
Agreement are made for purposes of this Agreement only and shall not be construed to confer any additional
rights on the Parties under applicable state and federal securities
laws.</p>

<p class=MsoNormal style='margin-top:12.6pt;text-align:justify;text-indent:
..5in'>11.11
<u>Waiver of Jury Thal. </u>EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY
CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND
DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND
UNCONDITIONALLY WAIVES ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION
DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT, OR
THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT (i) NO
REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED,
EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER,
(ii) EACH PARTY UNDERSTANDS AND HAS
CONSIDERED THE IMPLICATIONS OF THIS WAIVER,
(iii) EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (iv) EACH PARTY HAS BEEN INDUCED TO ENTER INTO
THIS AGREEMENT BY, AMONG OTHER
THINGS, THE MUTUAL WAIVERS IN THIS <b>SECTION 11.11.</b></p>

<p class=MsoNormal style='margin-top:9.0pt;text-align:justify;text-indent:.5in'>11.12 <u>Company
Disclosure Letter. </u>The sections of the Company Disclosure Letter shall be
arranged in separate parts corresponding to the numbered and lettered sections,
and except as otherwise identified on such disclosure schedules or sections,
the disclosure in any numbered or lettered section shall be deemed to relate to
and to qualify only the particular representation or warranty set forth in the corresponding
numbered or lettered section, and not any
other representation or warranty; <i>provided that </i>the inclusion of an item
in the Company Disclosure Letter as
an exception to a representation or warranty shall not be deemed an
admission by the Company that such item represents a material exception or
fact, event or circumstance or that such
item is reasonably likely to result in a Material Adverse Effect.</p>

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  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">62</p>
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style='page-break-before:always'>












<p class=MsoNormal style='margin-top:1.8pt;text-align:justify;text-indent:.5in'>11.13 <u>Headings;
Interpretation. </u>The article and section headings contained in this Agreement are inserted for convenience only and
shall not affect in any way the meaning or interpretation of this Agreement. Each reference in this Agreement to an
Article, Section, Schedule or Exhibit, unless otherwise indicated, shall mean
an Article or a Section of this Agreement
or a Schedule, Annex or Exhibit attached to this Agreement, respectively.
Unless the context of this Agreement otherwise requires, (i) words of any
gender include each other gender;
(ii) words using the singular or plural number also include the plural or
singular number, respectively; (iii) the terms <u>&quot;hereof,&quot;
&quot;herein,&quot; &quot;hereby&quot; </u>and derivative or similar words refer to this entire Agreement; (iv)
the terms <u>&quot;include,&quot; &quot;includes,&quot; </u><u>&quot;including,&quot; </u>and derivative or similar words shall be construed
to be followed by the phrase <u>&quot;without
limitation&quot;; </u>and (v)
references herein to <u>&quot;days&quot; </u>are to consecutive calendar days unless Business Days are specified. All accounting
terms used herein and not expressly defined
herein shall have the meanings given to them under GAAP. The Parties have participated substantially in the negotiation and
drafting of this Agreement and agree that no ambiguity herein should be
construed against the draftsman.</p>

<p class=MsoNormal align=center style='margin-top:.15in;text-align:center;
line-height:126%'>[SIGNATURE PAGE FOLLOWS]</p>

<div>

<table cellspacing=0 cellpadding=0 hspace=0 vspace=0 width=1401 height=19>
 <tr>
  <td valign=top align=left height=19 style='padding-top:0in;padding-right:
  5.0pt;padding-bottom:0in;padding-left:5.0pt'>
  <p class=MsoNormal style='margin-left:.2in;page-break-after:avoid;background:
  white' align="center">63</p>
  </td>
 </tr>
</table>

</div>

<br clear=ALL>



<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>





<br clear=all
style='page-break-before:always'>












<p class=MsoNormal style='margin-top:1.8pt;text-indent:.4in;line-height:87%'>IN WITNESS WHEREOF, each of the Parties hereto has caused this Agreement
to be
executed as of the date first above written.</p>

<p class=MsoNormal style='margin-top:.1in;margin-right:0in;margin-bottom:0in;
margin-left:2.65in;margin-bottom:.0001pt'>STIFEL FINANCIAL CORP.</p>

<p class=MsoNormal style='margin-top:.25in;margin-right:.45in;margin-bottom:
0in;margin-left:2.6in;margin-bottom:.0001pt;line-height:87%'><u>By:_&nbsp;&nbsp;&nbsp;
/s/ Ronald J Kruszewski </u> <br>
Name:Ronald J. Kruszewski<br>
Title: Chairman, President &amp; CEO</p>
<p class=MsoNormal style='margin-left:2.6in;line-height:115%'>BUTLER WICK
&amp; CO., INC.</p>

<p class=MsoNormal style='margin-top:.25in;margin-right:.45in;margin-bottom:
0in;margin-left:2.6in;margin-bottom:.0001pt;line-height:87%'>By:_________________________ <br>
Name:</p>

<p class=MsoNormal style='margin-left:2.6in'>Title:</p>

<p class=MsoNormal style='margin-top:19.8pt;margin-right:0in;margin-bottom:
0in;margin-left:2.6in;margin-bottom:.0001pt;line-height:87%'>UNITED COMMUNITY
FINANCIAL CORP.</p>

<p class=MsoNormal style='margin-top:19.8pt;margin-right:.45in;margin-bottom:
0in;margin-left:2.6in;margin-bottom:.0001pt;line-height:87%'>By:_________________________ <br>
Name:</p>

<p class=MsoNormal style='margin-left:2.6in'>Tide:</p>

<p class=MsoNormal style='margin-top:.45in;margin-right:0in;margin-bottom:0in;
margin-left:2.6in;margin-bottom:.0001pt'>BUTLER WICK CORP.</p>

<p class=MsoNormal style='margin-top:16.2pt;margin-right:.45in;margin-bottom:
0in;margin-left:2.6in;margin-bottom:.0001pt'>By:_________________________ <br>
Name:</p>

<p class=MsoNormal style='margin-left:2.6in'>Title:</p>



<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>





<br clear=all
style='page-break-before:always'>












<p class=MsoNormal style='text-indent:.4in'>IN WITNESS WHEREOF, each of the
Parties hereto has caused this Agreement to be executed as of the date first above written.</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:2.65in;margin-bottom:.0001pt;line-height:112%'>STIFEL,
FINANCIAL CORP.</p>

<p class=MsoNormal style='margin-top:16.2pt;margin-right:.45in;margin-bottom:
0in;margin-left:2.65in;margin-bottom:.0001pt'>By:_________________________ <br>
Name:</p>

<p class=MsoNormal style='margin-left:2.65in'>Title:</p>

<p class=MsoNormal style='margin-top:9.0pt;margin-right:0in;margin-bottom:0in;
margin-left:2.65in;margin-bottom:.0001pt;line-height:116%'>BUTLER WICK
&amp; CO., INC.</p>

<p class=MsoNormal style='margin-top:16.2pt;margin-right:.45in;margin-bottom:
0in;margin-left:2.65in;margin-bottom:.0001pt'><u>By: /s/ Thomas J. Cavalier<br>
</u>Name: Thomas J. Cavalier</p>

<p class=MsoNormal style='margin-left:2.65in'>Title:</p>



<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:2.65in;margin-bottom:.0001pt;line-height:88%'>UNITED COMMUNITY
FINANCIAL CORP.</p>
<p class=MsoNormal style='margin-top:1.8pt;margin-right:0in;margin-bottom:0in;
margin-left:2.65in;margin-bottom:.0001pt;line-height:88%'>&nbsp;</p>

<p class=MsoNormal style='margin-top:16.2pt;margin-right:.45in;margin-bottom:
0in;margin-left:2.65in;margin-bottom:.0001pt'><u>By: /s/ Douglas M.&nbsp; McKay <br>
</u>Name: Douglas M. McKay</p>

<p class=MsoNormal style='margin-left:2.65in'>Title:</p>



<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:5.4pt;
margin-left:2.65in;line-height:115%'>BUTLER WICK CORP.</p>

<p class=MsoNormal style='margin-top:16.2pt;margin-right:.45in;margin-bottom:
0in;margin-left:2.65in;margin-bottom:.0001pt'><u>By: /s/ Thomas J. Cavalier<br>
</u>Name: Thomas J. Cavalier</p>

<p class=MsoNormal style='margin-left:2.65in'>Title:</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:5.4pt;
margin-left:2.65in;line-height:115%'>&nbsp;</p>
<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:5.4pt;
margin-left:2.65in;line-height:115%'>&nbsp;</p>



<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>







</body>

</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>4
<FILENAME>rsf200810kex21_edgar.htm
<DESCRIPTION>SUBSIDIARY LISTING
<TEXT>
<html>

<head>
<title>EXHIBIT 21</title>
</head>

<body>










<p class=MsoNormal align=center style='text-align:center'><b>EXHIBIT 21</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>STIFEL FINANCIAL CORP. AND SUBSIDIARIES<br>
SUBSIDIARIES OF STIFEL FINANCIAL CORP. </b><sup>(1)</sup></p>



<div align="center">



<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width=739
 style='width:7.7in;margin-left:.1in;border-collapse:collapse;border:none' id="table1">
 <tr>
  <td width=307 valign=bottom style='width:229.9pt;border:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Name</b></p>
  </td>
  <td width=134 valign=bottom style='width:100.25pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>State (Jurisdiction) of Incorporation<br>
  or Organization</b></p>
  </td>
  <td width=305 valign=bottom style='width:228.75pt;border:solid windowtext 1.0pt;
  border-left:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Names Under Which Subsidiary <br>
  Does Business</b></p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel, Nicolaus &amp; Company, Incorporated</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel, Nicolaus &amp; Company, Incorporated</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Nicolaus Insurance Agency, Incorporated<sup>(2)</sup></p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Nicolaus Insurance Agency, Incorporated</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Century Securities Associates, Inc.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Century Securities Associates, Inc.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>CSA Insurance Agency, Incorporated<sup> (3)</sup></p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>CSA Insurance Agency, Incorporated</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Venture Corp.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Venture Corp.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Asset Management Corp.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Asset Management Corp.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel CAPCO, L.L.C.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel CAPCO, L.L.C.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel CAPCO II, L.L.C.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel CAPCO II, L.L.C.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Hanifen, Imhoff Inc.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Colorado</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Hanifen, Imhoff Inc.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Nicolaus Limited</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>England and Wales</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Nicolaus Limited</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Ryan Beck Holdings, L.L.C.<sup> (2)</sup></p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Ryan Beck Holdings L.L.C.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>First Service Financial Company</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>First Service Financial Company</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Bank &amp; Trust <sup>(4)</sup></p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Stifel Bank &amp; Trust</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Choice Financial Partners, Inc.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Choice Financial Partners, Inc.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Butler Wick &amp; Company, Inc.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Ohio</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Butler Wick &amp; Company, Inc.</p>
  </td>
 </tr>
 <tr>
  <td width=307 valign=top style='width:229.9pt;border:solid windowtext 1.0pt;
  border-top:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Broadway Air Corp.</p>
  </td>
  <td width=134 valign=top style='width:100.25pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Missouri</p>
  </td>
  <td width=305 valign=top style='width:228.75pt;border-top:none;border-left:
  none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
  margin-bottom:6.0pt;margin-left:0in;text-align:center'>Broadway Air Corp.</p>
  </td>
 </tr>
</table>



</div>



<p class=MsoNormal><sup>(1)</sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Does not include corporations in which
registrant owns 50% or less of the stock.<br>
<sup>(2)</sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Wholly-owned subsidiary of Stifel, Nicolaus &amp;
Company, Incorporated.<br>
<sup>(3)</sup>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Wholly-owned subsidiary of Century Securities
Associates, Inc.<br>
<sup>(4)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </sup>Wholly-owned subsidiary of First Service Financial Company.</p>



<p class=MsoNormal style='text-align:justify'>Stifel
Financial Capital Trust II, Stifel Financial Capital Trust III, and Stifel
Financial Capital Trust IV are wholly-owned subsidiaries of Stifel Financial
Corp; however, they are considered variable interest entities under the
provisions of the Financial Accounting Standards Board Interpretation No. 46
(Revised December 2003), Consolidation of Variable Interest Entities, and not
consolidated.</p>



</body>

</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>5
<FILENAME>rsf200810kex231_edgar.htm
<DESCRIPTION>AUDITOR CONSENT
<TEXT>
<html>

<head>
<title>EXHIBIT 23</title>
</head>

<body>










<p class=MsoNormal align=center style='text-align:center'><b>EXHIBIT 23.1</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<p class=HeadingOpinionLetter style='margin-left:0in;text-indent:0in'>CONSENT OF INDEPENDENT REGISTERED PUBLIC
ACCOUNTING FIRM</p>

<p class=MsoBodyText>We consent to the
incorporation by reference in the Registration Statements (File Numbers 333-37805,
333-37807, 333-84717, 333-52694, 333-60506, 333&#8209;60516, 333-82328,
333-100414, 333-105756, 333-105759, 333-140662, and 333-145990) on Form S-8 and
(File Numbers 333-41304, 333-84952, 333-144128, 333-86476, and 333-147515) on
Form S-3 of Stifel Financial Corp. and subsidiaries of our report dated February
26, 2009, with respect to the consolidated financial statements and schedule of
Stifel Financial Corp. and subsidiaries and the effectiveness of internal
control over financial reporting of Stifel Financial Corp. and subsidiaries, included
in this Annual Report on Form 10-K of Stifel Financial Corp. and subsidiaries
for the year ended December&nbsp;31, 2008.</p>







<p class=MsoNormal style='margin-left:346.5pt'>/s/
Ernst &amp; Young LLP</p>

<p class=MsoBodyText align=left style='text-align:left'>Chicago, Illinois<br>
February 26, 2009</p>

<p class=MsoFooter align=center style='text-align:center'>&nbsp;</p>

</body>

</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>6
<FILENAME>rsf200810kex232_edgar.htm
<DESCRIPTION>AUDIOR CONSENT
<TEXT>
<html>

<head>
<title>EXHIBIT 23</title>
</head>

<body>










<p class=MsoNormal align=center style='text-align:center'><b>EXHIBIT 23.2</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<p class=HeadingOpinionLetter>CONSENT
OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</p>

<p class=MsoBodyText>We consent to the
incorporation by reference in the registration statements of Stifel Financial
Corp. and subsidiaries on Form S-8 (File Numbers 333-37805, 333-37807,
333-84717, 333-52694, 333-60506, 333&#8209;60516, 333-82328, 333-100414,
333-105756, 333-105759, 333-140662, and 333-145990) and on Form S-3 (File
Numbers 333-41304, 333-84952, 333-144128, 333-86476, and 333-147515) of our
report dated February 28, 2008, relating to the consolidated financial
statements and financial statement schedule of Stifel Financial Corp. and
subsidiaries, appearing in this Annual Report on Form 10-K of Stifel Financial
Corp. and subsidiaries for the year ended December 31, 2008.</p>



<p class=MsoNormal>/s/
Deloitte &amp; Touche LLP</p>



<p class=MsoBodyText align=left style='text-align:left'>St. Louis, Missouri <br>
February 26, 2009</p>





<p class=MsoFooter align=center style='text-align:center'>&nbsp;</p>

</body>

</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>7
<FILENAME>rsf200810kex311_edgar.htm
<DESCRIPTION>CERTIFICATION
<TEXT>
<html>

<head>
<title>EXHIBIT 31</title>
</head>

<body>












<p class=MsoNormal align=center style='text-align:center'><b>EXHIBIT 31(i).1<br>
CERTIFICATION</b></p>

<p class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>I, Ronald J. Kruszewski, certify that:</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
I have reviewed this annual report
on Form 10-K of Stifel Financial Corp.;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Based on my knowledge, this report
does not contain any untrue statement of a material fact or omit to state a
material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading with
respect to the period covered by this report;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Based on my knowledge, the
financial statements, and other financial information included in this report,
fairly present in all material respects the financial condition, results of
operations, and cash flows of the registrant as of, and for, the periods
presented in this report;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The registrant's other certifying
officer and I are responsible for establishing and maintaining disclosure
controls and procedures (as defined in Exchange Act Rules 13a-15(e) and
15d-15(e)) and internal control over financial reporting (as defined in
Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and we have:</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Designed such disclosure controls
and procedures, or caused such disclosure controls and procedures to be
designed under our supervision, to ensure that material information relating to
the registrant, including its consolidated subsidiaries, is made known to us by
others within those entities, particularly during the period in which this
report is being prepared;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Designed such internal control
over financial reporting, or caused such internal control over financial
reporting to be designed under our supervision, to provide reasonable assurance
regarding the reliability of financial reporting and the preparation of
financial statements for external purposes in accordance with generally
accepted accounting principles;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Evaluated the effectiveness of the
registrant's disclosure controls and procedures and presented in this report
our conclusions about the effectiveness of the disclosure controls and
procedures, as of the end of the period covered by this report based on such evaluation;
and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>d.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Disclosed in this report any
change in the registrant's internal control over financial reporting that
occurred during the registrant's fourth fiscal quarter (the registrant's fourth
fiscal quarter in the case of an annual report) that has materially affected,
or is reasonably likely to materially affect, the registrant's internal control
over financial reporting; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The registrant's other certifying
officer and I have disclosed, based on our most recent evaluation of internal
control over financial reporting, to the registrant's auditors and the audit
committee of the registrant's board of directors (or persons performing the
equivalent functions):</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
All significant deficiencies and
material weaknesses in the design or operation of internal control over
financial reporting which are reasonably likely to adversely affect the
registrant's ability to record, process, summarize and report financial
information; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any fraud, whether or not
material, that involves management or other employees who have a significant
role in the registrant's internal control over financial reporting.</p>
<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>&nbsp;</p>







<div align="center">







<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='margin-left:2.45in;border-collapse:collapse' id="table1">
 <tr>
  <td width=162 valign=top style='width:121.3pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Date: February 27, 2009</p>
  </td>
  <td width=280 valign=top style='width:209.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>By <u>/s/ Ronald J.
  Kruszewski</u></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=162 valign=top style='width:121.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=280 rowspan=2 valign=top style='width:209.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ronald J. Kruszewski<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; President and Chief Executive Officer<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Principal Executive Officer)</p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=162 valign=top style='width:121.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>&nbsp;</p>

<div class=MsoNormal align=center style='text-align:center'>

&nbsp;</div>



</body>

</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>8
<FILENAME>rsf200810kex312_edgar.htm
<DESCRIPTION>CERTIFICATION
<TEXT>
<html>

<head>
<title>EXHIBIT 31</title>
</head>

<body>










<p class=MsoNormal align=center style='text-align:center'><b>EXHIBIT 31(i).2<br>
CERTIFICATION</b></p>



<p class=MsoNormal style='text-align:justify'>I,
James M. Zemlyak, certify that:</p>

<p class=MsoNormal style='text-align:justify'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </b>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
I have reviewed this annual report
on Form 10-K of Stifel Financial Corp.;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Based on my knowledge, this report
does not contain any untrue statement of a material fact or omit to state a
material fact necessary to make the statements made, in light of the
circumstances under which such statements were made, not misleading with
respect to the period covered by this report;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Based on my knowledge, the
financial statements, and other financial information included in this report,
fairly present in all material respects the financial condition, results of
operations, and cash flows of the registrant as of, and for, the periods
presented in this report;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The registrant's other certifying
officer and I are responsible for establishing and maintaining disclosure
controls and procedures (as defined in Exchange Act Rules 13a-15(e) and
15d-15(e)) and internal control over financial reporting (as defined in
Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and we have:</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Designed such disclosure controls
and procedures, or caused such disclosure controls and procedures to be
designed under our supervision, to ensure that material information relating to
the registrant, including its consolidated subsidiaries, is made known to us by
others within those entities, particularly during the period in which this
report is being prepared;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Designed such internal control
over financial reporting, or caused such internal control over financial
reporting to be designed under our supervision, to provide reasonable assurance
regarding the reliability of financial reporting and the preparation of
financial statements for external purposes in accordance with generally
accepted accounting principles;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Evaluated the effectiveness of the
registrant's disclosure controls and procedures and presented in this report
our conclusions about the effectiveness of the disclosure controls and
procedures, as of the end of the period covered by this report based on such
evaluation; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>d.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Disclosed in this report any
change in the registrant's internal control over financial reporting that
occurred during the registrant's fourth fiscal quarter (the registrant's fourth
fiscal quarter in the case of an annual report) that has materially affected,
or is reasonably likely to materially affect, the registrant's internal control
over financial reporting; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:41.25pt;text-align:justify;text-indent:-23.05pt'>5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The registrant's other certifying
officer and I have disclosed, based on our most recent evaluation of internal
control over financial reporting, to the registrant's auditors and the audit
committee of the registrant's board of directors (or persons performing the
equivalent functions):</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
All significant deficiencies and
material weaknesses in the design or operation of internal control over financial
reporting which are reasonably likely to adversely affect the registrant's
ability to record, process, summarize and report financial information; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
Any fraud, whether or not
material, that involves management or other employees who have a significant
role in the registrant's internal control over financial reporting.</p>
<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:77.25pt;text-align:justify;text-indent:-23.05pt'>&nbsp;</p>







<div align="center">







<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='margin-left:185.4pt;border-collapse:collapse' id="table1">
 <tr>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Date: February 27,
  2009</p>
  </td>
  <td width=216 valign=top style='width:2.25in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>By <u>/s/ James M. Zemlyak</u></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=216 rowspan=2 valign=top style='width:2.25in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; James M. Zemlyak<br>
  &nbsp;&nbsp;&nbsp;&nbsp; Chief Financial Officer<br>
  &nbsp;&nbsp;&nbsp;&nbsp; (Principal Financial Officer)</p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=168 valign=top style='width:1.75in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>&nbsp;</p>

<div class=MsoNormal align=center style='text-align:center'>

&nbsp;</div>



</body>

</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>9
<FILENAME>rsf200810kex32_edgar.htm
<DESCRIPTION>CERTIFICATION
<TEXT>
<html>

<head>
<title>EXHIBIT 32</title>
</head>

<body>










<p class=MsoNormal align=center style='text-align:center'><b>EXHIBIT 32</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,<br>
AS ADOPTED PURSUANT TO<br>
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 *</b></p>



<p class=MsoNormal style='text-align:justify;text-indent:.25in'>In connection with the Annual Report of Stifel
Financial Corp. and subsidiaries on Form 10-K for the year ended December 31,
2008, as filed with the Securities and Exchange Commission on the date hereof
(the &quot;Report&quot;), each of the undersigned officers certifies, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:</p>



<p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.5in'>1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Report fully complies with the requirements
of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended;
and</p>



<p class=MsoNormal style='margin-left:.5in;text-align:justify;text-indent:-.5in'>2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The information contained in the Report
fairly presents, in all material respects, the financial condition and results
of operations of the Registrant.</p>





<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='border-collapse:collapse' id="table1">
 <tr>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=283 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>STIFEL FINANCIAL CORP.</p>
  </td>
 </tr>
 <tr>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=283 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>(Registrant)</p>
  </td>
 </tr>
 <tr>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=283 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Date: February 26, 2009</p>
  </td>
  <td width=283 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>By <u>/s/ Ronald J.
  Kruszewski</u></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=283 rowspan=2 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Ronald J. Kruszewski<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; President and Chief Executive Officer<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (Principal Executive Officer)</p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=283 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
  <td width=283 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
 </tr>
 <tr>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Date: February 26, 2009</p>
  </td>
  <td width=283 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>By <u>/s/ James M. Zemlyak</u></p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=283 rowspan=2 valign=top style='width:2.95in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; James M. Zemlyak<br>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Chief Financial Officer<br>
  &nbsp;&nbsp;&nbsp;&nbsp; (Principal Financial Officer)</p>
  </td>
 </tr>
 <tr style='page-break-inside:avoid'>
  <td width=348 valign=top style='width:261.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>







<p class=MsoBodyText>* A signed original of this written statement required by
Section 906 of the Sarbanes-Oxley Act of 2002 has been provided to the
Registrant and will be retained by the Registrant and furnished to the
Commission or its staff upon request.</p>

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`
end
</TEXT>
</DOCUMENT>
</SUBMISSION>
