by Dan Leahy

December 18, 2008

To: D. Michael Jones, President & CEO,

Banner Corporation, Walla Walla

Carol Nelson, President & CEO, Cascade Financial Corporation, Everett

Melanie J. Dressel, President & CEO,

Columbia Banking System, Tacoma

Brian L. Vance, President & CEO, Heritage Financial Corporation, Olympia

Roy M. Whitehead, President & CEO, Washington Federal, Inc., Seattle

Harold B. Gilkey, President & CEO, Sterling Financial Corporation, Spokane

From: Dan Leahy

1415 6th Avenue SW

Olympia, Washington 98502

Re: Public accountability: Preventing home foreclosures