New ideas need new capital. Whether you are a bank holding company, an organizing bank or an existing financial institution poised for significant growth, equity and debt financing continue to be important sources of capital.

Clients often ask, "What alternatives are available for a bank with a holding company to raise additional capital to finance growth?" In fact, there are many alternatives to selling common stock. For more information, see the "Financing Growth" memorandum on this subject on our web site at www.banking.pogolaw.com.

Powell Goldstein's securities and capital management team includes attorneys with considerable experience. We have close and enduring established relationships with an extensive network of capital sources including institutional lenders, correspondent banks and issuers of trust preferred securities.

Together, we have provided clients with in-depth counsel on various options, such as:

• Correspondent Bank Debt

• Trust Preferred Stock

• Convertible Subordinated Debentures

• Preferred Stock

• Common Stock