2005 Decisions of the Commissioner of Banks and Board of Bank Incorporation

Decision relative to the petition of Citizens Financial Group, Inc., Providence, Rhode Island and certain related entities to acquire Citizens Bank, National Association, Albany, New York

Decision relative to the petition of Toronto-Dominion Bank, Toronto, Ontario, Canada to acquire control of Banknorth Group, Inc., Portland, Maine

Decision relative to the application of Benjamin Franklin Bancorp, M.H.C., Franklin, Massachusetts and certain related entities to acquire Chart Bank, A Cooperative Bank, Waltham, Massachusetts

Decision relative to the merger of Chart Bank, A Cooperative Bank, Waltham, Massachusetts with and into Benjamin Franklin Bank, Franklin, Massachusetts

Decision on the applications relative to the reorganization into a mutual holding company by Fall River Five Cents Savings Bank, Fall River, Massachusetts

Decision on the applications relative to the reorganization into a Mutual Holding Company by Greenfield Savings Bank, Greenfield, Massachusetts

Decision Relative to the Merger of Plymouth Savings Bank, Wareham, Massachusetts With and Into Eastern Bank, Boston, Massachusetts

Decision Relative To The Petition Of Berkshire Hills Bancorp, Inc., Pittsfield, Massachusetts To Acquire Woronoco Bancorp, Inc., Westfield, Massachusetts

Decision Relative To The Merger Of Woronoco Savings Bank, Westfield, Massachusetts With And Into Berkshire Bank, Pittsfield, Massachusetts

Decision Establishing Certain Maximum Dishonored Check Fees At Massachusetts State-Chartered Institutions

Decision relative to the petition of Boston Private Financial Holdings, Inc. Boston, Massachusetts to acquire Gibraltar Financial Corporation, Coral Gables, Florida

Decision on the petition to establish Patriot Community Bank in Woburn, Massachusetts

Decision relative to the application of UCBH Holdings, Inc. and its wholly owned subsidiary United Commercial Bank, San Francisco, California to acquire Asian American Bank & Trust Company, Boston, Massachusetts

Decision relative to the application of United Commercial Bank, San Francisco, California to merge with Asian American Bank & Trust Company Boston, Massachusetts