Mr. Serchuk was engaged originally in 1998 in connection with a merger with another Bank. He was professional, had an intimate knowledge of the businesses involved, and made an otherwise stressful process much simpler than anticipated. His responses, including to voice and email are prompt. As a result of that experience, he has continued to be retained exclusively as our corporate regulatory counsel. Having dealt with other attorney's in the past, I discovered that most questions required a degree of research - not so with Mr. Serchuk - many times he cites the banking law or regulation pertaining to the question during the initial discussion - saving on research time and expense. I would not use anyone else.