Conference ID # 7959710 U. . look over the page called " the story of net chase manhattan mortgage, citibank home equity loan and
mortgage libor based loan " for extra information relating to the theme. William Beale, President & CEO of Union
Bankshares Corporation, will be presenting at the Keefe, Bruyette & Woods
Fifth Annual Community Bank Investor Conference at the Pierre Hotel in New
York, New York on Tuesday, July 26, 2005.