Exhibit 10.1

Summary of Named Executive Officers’ 2007 Annual Base Salaries

Name	Title	2007 Annual Base Salary
Michael J. Sonnenfeld	Director, President and Chief Executive Officer	$427,000
Nayan V. Kisnadwala	Executive Vice President – Chief Financial Officer	$395,000
Walter P. Buczynski	Executive Vice President – Secondary	$330,800
James T. Hagan, Jr.	Executive Vice President – Production	$200,000
John C. Camp, IV	Senior Vice President – Chief Information Officer	$220,500
Teresa A. McDermott	Senior Vice President – Controller	$184,800
Gary K. Uchino	Senior Vice President – Chief Credit Officer	$216,300