Amtrade Ratings Withdrawn by Fitch.

Business Editors

NEW YORK--(BUSINESS WIRE)--Jan. 10, 2003

Fitch Ratings has withdrawn all ratings on Amtrade International Bank, which was closed on September 30, 2002 by the Georgia Department of Banking. Amtrade had been in self-liquidation and at the time of closure had $10 million of deposits. The FDIC is completing the liquidation process as receiver.

Ratings Withdrawn:

-- Long-Term Deposit Rating 'D';

-- Short-Term Deposit Rating 'D';

-- Long-Term Issuer Rating 'D';

-- Short-Term Issuer Rating 'D';

-- Individual Rating 'E';

-- Support Rating '5'.