EXHIBIT 99.1



FOOTNOTES



(1)  Directly owned by Capital Z Partners III, L.P.

("Capital Z III Fund").  Capital Z Partners III GP, L.P.

("Capital Z III GP LP") is the general partner of Capital Z III Fund.

Capital Z Partners III GP, Ltd. ("Capital Z III GP LTD") is the general

partner of Capital Z III LP and the ultimate general partner of Capital Z

III Fund.  Capital Z Partners Management, LLC ("CZPM") performs investment

management services for Capital Z III Fund.  CZPM, Capital Z III GP LP,

Capital Z III LP LTD and Capital Z III Fund may be deemed to be part of a

"group" (within the meaning of Rule 13d-5(b) under the Securities Exchange

Act of 1934, as amended (the "Exchange Act"), and incorporated by reference

in Rule 16a-1 of the Exchange Act) but each individual entity described above

disclaims beneficial ownership of securities held by any other entity except

to the extent of any indirect pecuniary interest therein (within the meaning

of Rule 16a-1 of the Exchange Act) in an indeterminate portion of the

securities beneficially owned by such other entity.



(2) Represents securities of the Issuer held directly by Capital Z

Financial Services Fund II, L.P. ("Capital Z Fund"), Capital Z Financial

Services Private Fund II, L.P. ("Capital Z Private Fund"), and CZPM. The

sole general partner of Capital Z Fund and Capital Z Private Fund is Capital

Z Partners, L.P. ("Capital Z GP LP"), the sole general partner of Capital Z

GP LP is Capital Z Partners, Ltd. ("Capital Z GP LTD").  CZPM performs

investment management services for Capital Z Fund and Capital Z Private Fund.

By reason of the provisions of Rule 16a-1 of the Exchange Act, Capital Z GP

LP, Capital Z GP LTD and CZPM may be deemed to be the beneficial owners of the

securities held by Capital Z Fund and Capital Z Private Fund and, with respect

to Capital Z GP LP, and Capital Z GP LTD, also held by CZPM although Capital Z

GP LP, Capital Z GP LTD and CZPM disclaim beneficial ownership of such

securities, except with respect to the securities of the Issuer held directly

by it and to the extent of any indirect pecuniary interest therein (within the

meaning of Rule 16a-1 of the Exchange Act) in an indeterminate portion of the

securities beneficially owned by Capital Z Fund and Capital Z Private Fund.



(3) Bradley E. Cooper is a lmited partner of both Capital Z III GP LP

and Capital Z GP LP, and he is an officer and co-owner of CZPM.  Mr. Cooper

disclaims beneficial ownership of such securities except to the extent of any

indirect pecuniary interest therein.



(4) Directly owned by Bradley E. Cooper.