CIB Marine Bancshares Inc. (CIBH)

[XM ROCKS]

YOU’RE ALIVE! I have to disagree with you respectfully. This is an opportunity to have institutional investors step in and purchase some shares. This stock (with a P/E of about 15 now) will have some buyers if we can get above the $5.00 restriction that most investment firms require. I would be worried if we were doing a reverse split. This has been mentioned in the past meetings. Opening up the window to reach out and purchase preferred stock from three years to forever is a big thing. As we buy preferred shares back, the common stock becomes more valuable. I hope they don’t do a reverse split and then dilute with an equity investment. I have full faith in the management to “do the right thing” and try and make the commons money. At last count, I think 8 percent of the commons were insiders. They won’t shoot themselves in the foot.......