editor-in-cHieF Steven A. Meyerowitz President, Meyerowitz Communications Inc.
Board oF editors
Paul Barron Professor of Law ulane Univ. School of Law
Satish M. Kini Partne , Debevoise & Plimpton LLP
Bankruptcy for Bankers Howard Seife Partne , Chadbourne & Parke LLP
George Brandon Partne , Squire, Sanders & Dempsey LLP
Barkley Clark Partne , Stinson Morrison Hecker LLP
Paul L. Lee Partne , Debevoise & Plimpton LLP
Jonathan R. Macey Professor of Law ale Law School
Martin Mayer The Brookings Institution
Regional Banking Outlook James F. Bauerle Keevican eiss Bauerle & Hirsch
Directors’ Perspective Christopher J. Zinski Partne , Schiff Hardin LLP
John F. Dolan Professor of Law ayne State Univ. Law School
Julia B. Strickland Partne , Stroock & Stroock & Lavan LLP
Banking Briefs Donald R. Cassling Partne , Quarles & Brady LLP
Stephanie E. Kalahurka Hunton & Williams, LLP
Thomas J. Hall Partne , Chadbourne & Parke LLP
Marshall E. Tracht Professor of Law New ork Law School
Intellectual Property Stephen T. Schreiner Partne , Goodwin Procter LLP
Michael Hogan Ashelford Management Serv. Ltd.
Stephen B. Weissman Partne , Rivkin Radler LLP
Mark Alan Kantor ashington, D.C.
Elizabeth C. Yen Partne , Hudson Cook, LLP
THE BANKING LAW JOURNAL (ISSN 0005 5506) is published ten times a year by A.S. Pratt & Sons, 805 Fifteenth Street, NW., Third Floor, Washington, DC 20005-2207. Application to mail at Periodicals postage rates is pending at Washington, D.C. and at additional mailing offices. Copyright © 2011 ALEX eSOLUTIONS, INC. All rights reserved. No part of this journal may be reproduced in any form — by microfilm, xerography, or otherwise — or incorporated into any information retrieval system without the written permission of the copyright owner. Requests to reproduce material contained in this publication should be addressed to A.S. Pratt & Sons, 805 Fifteenth Street, NW., Third Floor, Washington, DC 20005-2207, fax: 703-528-1736. For subscription information and custom- er service, call 1-800-572-2797. Direct any editorial inquires and send any material for publication to Steven A. Meyerowitz, Editor-in-Chief, Meyerowitz Communications Inc., 10 Crinkle Court, Northport, New York 11768, SMeyerow@optonline.net, 631-261-9476 (phone), 631-261-3847 (fax). Material for publication is welcomed — articles, decisions, or other items of interest to bankers, officers of financial institutions, and their attorneys. This publication is designed to be accurate and authoritative, but neither the publisher nor the authors are rendering legal, accounting, or other professional services in this publication. If legal or other expert advice is desired, retain the services of an appropriate professional. The articles and columns reflect only the present considerations and views of the authors and do not necessarily reflect those of the firms or organizations with which they are affiliated, any of the former or present clients of the authors or their firms or organizations, or the editors or publisher. POSTMASTER: Send address changes to THE BANKING LAW JOURNAL, A.S. Pratt & Sons, 805 Fifteenth Street, NW., Third Floor, Washington, DC 20005-2207.