DaytonDailyNews.com

By lw

January 10, 2010 10:39 AM | Link to this

PNC stock dropped to $16. paid too much for NCB.if it hadn’t stock would not have tumbled from $88.

By Previous First National/NCB Employee

November 8, 2009 2:40 PM | Link to this

I worked for the retail branch system for 20+ years. Upper mgmt only cared about making home equity lines & loans to all whom breathed. But so did Todd Puss Russell at Huntington too. Those in upper management got huge bonuses. Always wanted more and more from branches. It is no wonder they are in this shape. Let’s not talk about our stock that went down the tubes after all those years of hard work. We all hope those now in upper management or that have moved to France choke on their bonuse

By md

November 10, 2008 12:07 PM | Link to this

pnc management sucks. i was fired from pnc now those greedy little bastards are taking over on banks and getting money from the government. in my opinion, national city should have been saved. do not trust pnc either. they are idiots too.

By md

November 10, 2008 12:07 PM | Link to this

pnc management sucks. i was fired from pnc now those greedy little bastards are taking over on banks and getting money from the government. in my opinion, national city should have been saved. do not trust pnc either. they are idiots too.

By Mario Penn

October 25, 2008 9:14 PM | Link to this

I can say it was 12 million to remodel leased buildings. I see the waste of money on perfectly fine buildings that we spent 12 million the first time three years ago to build. Also wasted 30 mill on Advantage Group to come up with a program that would help in the Mortgage Industry. Well we see how well that went. I want to know where all the money is at, because NCM has more security than the government. I believe it is all for employees, to make sure they work. WASTE WASTE WASTED AWAY….

By just a thought

October 25, 2008 7:38 PM | Link to this

It might be interesting to see how things might change if vigilante style justice was introduced to the CEOs and VPs who made out like bandits while the workers and stock owners suffered. Maybe a few CEOs through a wood chipper would turn the tables. Just an idea. A very good idea I think.

By Max

October 25, 2008 5:25 PM | Link to this

NCC could have limped along on their own and/or could have probably gotten cash to continue from the same source (700 Billion) PNC got cash from to buy NCC. With this deal, NCC directors parachute out winners and NCC stockholders, employees and “displaced” former employees come out losers. The numbers can be crunched in different directions for the “benefit” of who wants to see them and from what angle. Raskind and his mouthpieces kept saying they were fine. They said that a. ll through the recent stock market turmoil. They continued to say that after posting the 3rd Q losses.

Local NCMC management were/are just as irresponsible and deceitful and incompetent as the NCC directors in Cleveland.

By Observer

October 25, 2008 3:53 PM | Link to this

Most are missing the big picture. Management, cameras, decorating, cutomer service, etc. were all a drop in the bucket to Nat City’s finanical position leading to the aquisition.

From the Cleveland Plain Dealer, According to PNC’s number-crunching, National City would have trouble staying in business. PNC figured that National City faced about $20 billion in future losses on its current loans — both good loans and risky ones. The company was worth less than $6 billion.

By Max

October 25, 2008 3:15 PM | Link to this

To all National City Mortgage employees:

Do appreciate the many dozens of new security cameras recently installed outside AND inside the leased buildings you work in. That is, the buildings that are left. And do appreciate your new badge that lets you in. Please, appreciate the sacrifices your co-workers made giving up their jobs so you, in a manner of speaking, can be secure in yours. That is, in another manner of speaking, until…. And, oh, by the way, have any of you ever had a security issue with anything outside or inside any of the buildings? Do you know of anyone who ever has? No? And how much money was spent on all this useless crap? For those of you who like being watched; enjoy!

And, also, please do appreciate being moved from one building to another and then to another and then to another. And do appreciate the new paint and new carpets and new furniture. Never mind the bizarre patterns and colors. Never mind everything was replaced just a few years ago. Never mind there are thousands of desks and chairs in NCMC’s rented storage. Never mind NCMC squandered $12,000,000.00 on all this; it will soon belong to someone else.

When all of you consider the layoffs and the outsourcing done to save money that was then spent on these projects schemed up by morons, you should all now understand that your well-being was always foremost in the minds of your local management. After all, don’t they always tell you, No One Cares More?

By bank local

October 25, 2008 3:08 PM | Link to this

PNC will not care about Dayton like NCB did. The other big regional banks are soon to see the same fate as NCB. Gobble! I’m moving all my money to Liberty Savings Bank. They are locally owned and operated. And as a privately held concern they are not at the mercy of this crazy market. From my research they have the highest tier one risk based capital ratio in town (which is a very good thing in times like these). I have accounts there now and I have to say they are the nicest bank I work with.

By bank local

October 25, 2008 3:00 PM | Link to this

Even though NCB was a Cleveland bank, they had retained much of the local feel from the old First National/Gem Savings. That usually doesn’t happen, like when 5/3 ruined what Citizens federal built here. So do I want to be a customer for a Pittsburgh bank that got a Cleveland bargain? Remember PNC was here in Dayton when they bought Central Trust…they kept the Cincy offices but they sold the Dayton offices to 5/3 because they thought Dayton was to small of a market.

By Former Loan Delivery Employee

October 25, 2008 2:30 PM | Link to this

I have to agree NCM use to be a fun place to work when Leo Knight was in charge. He treated his employees well even if your immediate manager didn’t. Now my old manager on the other hand was a S.O.B. I hope he gets his walking papers first and foremost. If you are not a friend of his or if you are not a brown noser than he won’t keep you. Good Bye Mr. JF and take your flunkies with you. Management at NCM always remember “What goes around, comes around”. It what we like to call KARMA baby

By NC Employee

October 25, 2008 1:07 PM | Link to this

I also was a previous employee laid off last year-wish the best for all that are left & for stockholders & acct holders with NC. The mgmt now are definitely not as competitent as the old mgmt of Jack Case, Greg Davis, Leo Knight Jr, etc..that crew knew to get out while the gettin’ was good. They knew how to run a business $ foresaw what was to come. The good ole boy crew running the ship now is hugely responsible for the position NC is in ! PNC shld be a good change.

By Stewing

October 25, 2008 9:54 AM | Link to this

First off, Dem Angel keep drinking the Kool aid. I hope you are on welfare because that’s the only way anyone will see money through Barack Obama. We’ll all be taxed to afford the free college, free this and free that; that’s the change he’s really proposing. I have a mortgage through NC and I have to say I’ve never had a problem. But then again, I’m a responsible person and took a mortgage I could afford and put money down to afford it. That’s capitalism and republican conservation at it’s best

By NCMC Employee

October 25, 2008 9:45 AM | Link to this

As I sit here reading these posts, I am blown away by how uneducated the NCM employees that post here seem to be. It’s no wonder our company has issues! I do agree that a lot of upper management (my boss included) just don’t get it. You wonder how these people got their jobs. I like my job and hope and pray that I will be able to keep it for awhile. If not, I will look to get out of this industry.

By Former NC Underwriter

October 25, 2008 8:54 AM | Link to this

As a former NC mortgage underwriter - I can tell you that most of the employees from just under management down the chain were good employees (the worker bees). A well trained underwriter knows when they shouldnt be making a deal (approving a loan) - If we denied a loan, it went straight to management to be overturned and approved. This happened on a daily basis. We all saw this coming for a VERY long time.

By ScrewNC

October 25, 2008 12:47 AM | Link to this

This reminds me of the VP of our department, Ron Weekley, who tries to enforce a dress code and then comes to work on a Saturday wearing flip flops and shorts. Not to forget all the mandatory overtime on a fuccin Sunday, while all the management sits at home getting drunk. Stupid idiots, you have to lead by example. If the ship sinks, I hope you morons come with us. All you snobby freaks need to learn how it feels to be the little guy.

By ScrewNC

October 25, 2008 12:47 AM | Link to this

This reminds me of the VP of our department, Ron Weekley, who tries to enforce a dress code and then comes to work on a Saturday wearing flip flops and shorts. Not to forget all the mandatory overtime on a fuccin Sunday, while all the management sits at home getting drunk. Stupid idiots, you have to lead by example. If the ship sinks, I hope you morons come with us. All you snobby freaks need to learn how it feels to be the little guy.

By Fred G. Rutter

October 25, 2008 12:45 AM | Link to this

I am a customer of NC in Peoria, Illinois. I have had good relations with employees here, Management seems to be level headed and up front with all questions thrown to them. I have two large CDs {6 figures each} with NC and was worried the last six months if they were going to go bankrupt. I am glad that PNC bought them out. But you see I am selfish for the reason that I dont want to lose my CDs.

By Now You Know Why

October 24, 2008 11:38 PM | Link to this

When you want to sell your house, what do you do? You paint it, rearrange the furniture, replace the carpets, replace the doors and, in general, make it look pretty.

NCMC just got a 13 million dollar make-it-look-pretty makeover during a time of massive losses.

Can anyone now guess why?

By Now You Know Why

October 24, 2008 11:37 PM | Link to this

When you want to sell your house, what do you do? You paint it, rearrange the furniture, replace the carpets, replace the doors and, in general, make it look pretty.

NCMC just got a 13 million dollar make-it-look-pretty makeover during a time of massive losses.

Can anyone now guess why?

By Hmm

October 24, 2008 10:47 PM | Link to this

My wife works for Nat City Mort, and has been there for five years. You people have no idea what goes on there! They help so many people everyday stay in their homes. If you got a house you knew you couldn’t afford, serves you right for being dumb! You need to cut the employees for NCB and NCMC company, because they work hard everyday trying to help everyone!! Good Luck National City and PNC!!

By Dem Angel

October 24, 2008 9:20 PM | Link to this

Chrildrens, don’t be freightened. Pres. Obama will make everything better. We will have health care, free college, food stamps when you need them. We will be free from the bondage of capitalism. We will have plenty of money to spend on entitlements, because we won’t need a military, or boarder security. Look at all the money Pres. Obama will save in just those two areas. Smile, childrens rejoice, the annointed one will soon arrive. We can be all be blessed by the Rev. Wright.

By Efficient

October 24, 2008 9:08 PM | Link to this

I worked for NC and was part of the conversion in 2008. The waste is amazing, the marketing material that is being thrown out on a monthly basis is only one of many wastes they are Ridiculous expenses paid by NC – outrageous! If I ran my home that way I would be on the street long time ago. Instead of wasting money on things that end up in the garbage they should have paid the former MAB employees a decent wage. Did you know that some of the former MAB tellers are still making $9.25 per hour? How disgraceful, Mr. Raskind should be ashamed of himself to spend 12 million on remodeling of the Mortgage Company and pay starving salary to the dedicated employees. Oh, but wait I know why the NC upper management needs to make millions while the front line employees that actually do the work get minimum; THE NC UPPER MANAGEMENT HAS DIFFERENT STOMACHS.
In addition the highly educated ones; those are the ones that allowed the fiasco with the loans. Anybody with a little common sense will know that it is total craziness to give out loans to people who do not have a down payment and on top of that receive money at closing. And guess what, COMMON SENSE CAN’T BE THOUGHT IN SCHOOL, one either has it or not. It seems that lots of our NC upper management has been educated into imbecility, and just because someone knows how articulate and be politically correct does not mean that they have common sense, GREAD has taken over. In laymen terms; just because someone knows how to sweet talk or bull** their way around does not make them a good employee.
Ultimately our wonderful former president Mr. Clinton made all of this possible, as we know he was not using his head. My hope is that PNC will be different but I highly doubt it. The small business build this county and the big business will destroy it.

Efficient

By James

October 24, 2008 8:38 PM | Link to this

So let me get this straight. We (the taxpayers) bailout wall street to the tune of $700 Million dollars and the very first thing they do with the money is start buying up other banks? So does that mean that the taxpayers actually own National City now? Exactly how does this bailout work? I haven’t seen one thing to help taxpayers yet, but I have seen 4 Major Bank Purchases with OUR funds.

By Better Off

October 24, 2008 7:52 PM | Link to this

As a former NCM employee, I can confirm reports of problems. Daily I spoke with mortgage holders who were encouraged in their misunderstanding of the various adjustable rate and interest only loans. Many people found themselves in over their heads once the loan papers were signed and often stated the terms of the loan were explained far differently to them by the loan officer. Rather than take action, management turned a blind eye to these dishonest practices as long as they were turning profits

By T.C.

October 24, 2008 7:22 PM | Link to this

Do a story about our local Miamisburg National City Mortgage directors who threw millions away on redecorating leased buildings that were recently opened new in 2005. They also threw away millions on a new security system that does not work nearly as well as the one that was replaced. All this done while losing billions. All this done while thousands of local, state and employees nationwide were let go to “cut costs.” These same employees also lost most of their retirement funds at the hands of the same directors who will now parachute away with millions.

By Employee*of*the*Past

October 24, 2008 5:06 PM | Link to this

I am a former employee of NCM and have to say, most of the employee’s were great, but most of upper management, were idiots. They hired their friends instead of qualified people, let said friends get away with everything. And now after they have laid off so many hard working people (who still have their mortgages and banking through there) they are spending tons of $$$ to redecorate? Come one, thats like a slap in the face to those they let go. Pitiful.

By Employee*of*the*Past

October 24, 2008 5:05 PM | Link to this

I am a former employee of NCM and have to say, most of the employee’s were great, but most of upper management, were idiots. They hired their friends instead of qualified people, let said friends get away with everything. And now after they have laid off so many hard working people (who still have their mortgages and banking through there) they are spending tons of $$$ to redecorate? Come one, thats like a slap in the face to those they let go. Pitiful.

By Ted

October 24, 2008 4:20 PM | Link to this

Worked at NCMC in Miamisburg. While the ship was sinking, management wasted millions on totally unnecessary and ridiculous security and renovation projects. Thank the incompetent jackasses responsible for those projects for the loss of hundreds of local jobs. It’s great to know the newly remodeled and soon to be empty of employees NCMC buildings are secure.

By Ted

October 24, 2008 4:19 PM | Link to this

Worked at NCMC in Miamisburg. While the ship was sinking, management wasted millions on totally unnecessary and ridiculous security and renovation projects. Thank the incompetent jackasses responsible for those projects for the loss of hundreds of local jobs. It’s great to know the newly remodeled and soon to be empty of employees NCMC buildings are secure.

By Hey HarryPalmDickPotter

October 24, 2008 3:46 PM | Link to this

What are you buying? Goat cheese for your wife!

By Dennis Kelly

October 24, 2008 3:43 PM | Link to this

As a shareholder, I have lost 90% of the value of my stock over the last three years - now will get a little PNC stock as compensation - if it soars (not likely) I’ll get a bit of the money back. Win some, lose some they say. Dayton loses big; I’m certain 2/3 of it’s 2500 employees, who have already lost most of their 401K money, etc. 5th/3rd will be next on the block, and all because of greed and stupidity of the CEO and board - the whole lot of which should be wearing prison stripes!!

By Henry Potter

October 24, 2008 3:40 PM | Link to this

Just like in my movie, everybody panics and I buy up everything for pennies on the dollar

Merry Christmas

By Ken

October 24, 2008 3:09 PM | Link to this

Stock market falling by the following formula: Stock Market point Drop (SMPD)=(Obama’s lead in the polls)X(346) . Now, to calculate the drop for the previous week, just look at the point increase of Obama for that week and substitute it for the varable: (Obama’s lead in the polls) or OLITP. To reiterate the formula: (SMPD = (OLITP)*(346). Scientists are still evaluating the basis that declares the value of the constant 346, but they agree it has something to do with extreme fear…

By Golden Parachutes you say?

October 24, 2008 3:04 PM | Link to this

Im sure it’s just brown streakes on their underwear….

By Mario Penn

October 24, 2008 2:59 PM | Link to this

NCM is wasting 12 million dollars painting and construction right now on buildings they do not even own. WAY TO GO NCMC, I am sure that money could of helped somewhere else. Also would like to thank all the execs for destroying NCMC. Where can I get a loan for 300,000 with a 500 credit score? Did I mention I work a part time minimum wage job. Thanks Peter Raskind, or is it Dave Daberko. I hope the Golden Parachute is big enough for you.

By disappointed

October 24, 2008 2:57 PM | Link to this

I’ve been a customer of National City for a few years and have grown to love this bank. They don’t nickel and dime you to death like Fifth Third, Chase and PNC. I’ve been a customer of all of them and National City was the best hands down. The banking part of National City was great. I can’t say anything about the Mortgage portion but they were first rate in customer service in my book. I hated PNC so I’ll be shopping around for another bank. Guess I’ll go with a Credit Union.

By NCB BYEBYE

October 24, 2008 2:53 PM | Link to this

YEAH! It’s about time! Haven’t done business with them in about 16 years. Pulled my accounts because of their sexist hiring practices at the mortgage company. They also pulled $$ from my account on a bad check cashed that belonged to someone else without verifying signatures or addresses! When I bought my home, my deal with my mortgage company was that NC Mortgage was to NEVER get hold of my paper! I’m glad! :)

By lemmypenn

October 24, 2008 2:51 PM | Link to this

How is the 12 million doll remodel going at the Mortgage Company? I bet 12 Million could of helped some former employees out. THANKS NCMC. WASTED MONEY, and Company

By lemmypenn

October 24, 2008 2:51 PM | Link to this

How is the 12 million doll remodel going at the Mortgage Company? I bet 12 Million could of helped some former employees out. THANKS NCMC. WASTED MONEY, and Company

By Who will have the last laugh

October 24, 2008 2:47 PM | Link to this

The real funny thing is now those of us who have paid there mortage and have business realtions with solid financial banks will pay for all those people who suck!

By Richie Rich

October 24, 2008 2:42 PM | Link to this

I feel like were back in England again prior to our revolution. Instead of King & Queen we have a 1% rick class that think they own America… and they do… Let’s take America back and get rid of this people who keep bust’n up our middleclass.

By Laughing Out Loud

October 24, 2008 2:38 PM | Link to this

Well the time has finally come to a company that has poor business practices and hires management based on the good old boy and brown nose principles instead of most qualified to do the job. Having worked there at the beginning of the subprime crisis they are getting what they deserve and I hope the mortgage side is sold as well. I am glad I left that mess when I did my life has been much better and stress free w/o NCMC.

By The thing you people are missing

October 24, 2008 1:50 PM | Link to this

You see, NCB is a large part of the Dayton/Mont Cty area if not the OHIO itself. Therefore it is no surprise NCB’s share price sold for less then the cost of a Big Mac value meal. Dayton/Mont Cyt as well as Ohio is a cr@p hole. Full of people who just suck off of society. A true welfare state. I sure hope you’re happy when Hussan Osama How’sYourMama Bama gets into office.

By same

October 24, 2008 1:47 PM | Link to this

To me this is no different than when NCB bought out the old First National Bank. Mergers and buyouts go on and on. I just hope as a NCB ,for a long time, PNC does a better job for us. If not a local credit union is in my future.

By JIM

October 24, 2008 1:36 PM | Link to this

AFTER BEING A CUSTOMER/STOCKHOLDER FOR SOME 59 YEARS, I SOMEWHAT DISAPPONTED THAT THE PRICE IS SO LOW. BUT IN THE LONG RUN I LOOKING FORWARD TO BEING A CUSTOMER/ STOCKHOLDER OF PNC. I UNDERSTAND THEY ARE A FIRST CLASS BANK. I HOPE PNC TREATS THE NCC EMPLOYEES IN THE MERGER VERY WELL, AND GIVE THEM A CHANCE TO GROW WITH THE COMBIMNATION.

By Roboto

October 24, 2008 1:32 PM | Link to this

I have suspected that someone would buy them out for a few months after they closed up the Downtown W 2nd Street branch. I’m just glad it’s not 5th3rd. However, they could be worse. I just cashed in my points so I don’t lose them. Kinda scary! The last time I was with a bank, Citizens Federal, 5th3rd bought it out and it was awful.

By N Alexander

October 24, 2008 1:24 PM | Link to this

Better PNC than TCF, I knew people that had TCF in Michigan, and they were some of the most barbaric for fees I had ever seen. Some people would get charged $20 for a new debit card if their broke or got worn out before it’s expiration date. NC screwed me in the past a few times, during the time they bought out Michigan Federal, and told me I could use MF’s ATM for free, only to get sacked about $75 in fees at the end of the month for using those same ATMs, since MF ATM’s hadn’t switched yet.

By XEmployee

October 24, 2008 1:23 PM | Link to this

All I can say is HA! Their management at NCMC was junk in the first place. Half of them didn’t have the educational requirements they should have had for the positions they held. Its no surprise that this has failed and being purchased…

By Get a clue loser!

October 24, 2008 1:13 PM | Link to this

billingtw@sbcglobal.net I sure you dont have a job and receive WIC. Loser!

By Former Loan Delivery Employee

October 24, 2008 1:08 PM | Link to this

I use to work for NCM and was laid off a year ago. National City Mortgage has good employees and I hope that PNC consider keeping them. As for the management they need to kick them out on there butts. They were greedy and they cost a lot of people there lively hoods. For the people that are still at NCM hang in there, keep your head’s up.

By Tomas

October 24, 2008 1:02 PM | Link to this

What kind of stupidity is there in this area to tie this to Obama? It has to do with GOP “Bushonomics” and stodgy actions by them. A vote for McCain is a vote for continued bad economics. Remember that it took a Democrat (FDR) to bring the nation out of the depression, authored and unfixed by Hoover and the GOP.

By craig

October 24, 2008 12:58 PM | Link to this

My wife works for National City, so naturally, there is a little bit of concern with down-sizing once they figure out who stays and who goes. They have been working for months with rumors hanging over their heads about being aquired by one bank or another, so it’s a good thing that the inevitable has finally happened. PNC, from all reports, appears to be a strong, well run company, so the long term impact on the area should be a positive one.

By Larry

October 24, 2008 12:54 PM | Link to this

There are some great people that work for NCB & have for many many years. I felt so sorry for them because you know after all those years of service that most of them have lost their entire retirement due to the drastic drop in their stock. At least now there is a little more light at the end of the tunnel. As for other comments about their fees, they were no different then any other local bank. Try banking at Fee Bank. Oh, I mean Key Bank.

By Don W

October 24, 2008 12:27 PM | Link to this

Good riddens..They foreclosed on my home when I lost my job. I was contractually 5 years paid ahead and they refused to refinance or modify my mortgage. They didn’t lose a dime. Treatd me like scum after 9 years of perfect payment history.

By Don W

October 24, 2008 12:26 PM | Link to this

Good riddens..They foreclosed on my home when I lost my job. I was contractually 5 years paid ahead and they refused to refinance or modify my mortgage. They didn’t lose a dime. Treatd me like scum after 9 years of perfect payment history.

By NCC Retiree

October 24, 2008 12:23 PM | Link to this

Peter Raskind, who succeeded David Daberko as Chairman and CEO was selected by Daberko to be a Vice Chairman responsuble for the mortgage portfolio including subprime mortgages originated by First Franklin Financial which Daberko bought in 1999. NCC held the subprimes on its books and found itself unable to sell them as costs of funds increased. NCC tried to get from under the gun by selling First Franklin to Merrill Lynch in 2006. Poor ML which is now also a company of the past.

By Anne

October 24, 2008 12:20 PM | Link to this

I used to work for a different bank. When I went to get a home loan, they treated me like crap, and I was an employee! National City went above and beyond to help us get our home loan. Now, our credit is much better because we own a home, and I have National City to thank for that. Not sure how I feel about the buyout, but maybe it will help. Nat City’s stock has hit the dumper lately… Good luck to PNC; hopefully this will be a good thing!

By CustomerX

October 24, 2008 12:19 PM | Link to this

I’m a National City customer and I don’t know how I feel. I don’t care about the money end of the deal. I only care about my money. How will my IRA CD transfer, my credit card, home equity card? Will my local branch stay open? There aren’t any PNC branches in my area. How will my online banking and online bill pay stuff transfer? These are the real issues that affect me. NCB does not hold my mortage or car loan, nor am I an NCB stockholder, so that’s not a concern.

By former NCM employee

October 24, 2008 11:42 AM | Link to this

I’m not really surprised. I worked in a department where I saw too many people with a 515 credit score and minimum income buying $300K properties. Eventually it catches up. That is where this major housing market crisis stems from, in my opinion.

By Rusty

October 24, 2008 11:35 AM | Link to this

Yeah! Vote for John McCain! He has a magic wand that will fix everything!!! He knows how to fix the economy, he knows where Bin Laden is, he has a hot running mate!!!!!! MCCAIN ‘08!!!!!!!!!!!!!!

By Rick

October 24, 2008 11:34 AM | Link to this

Maybe they will be a better bank. National City would nickel and dime you to death with their charges. Good riddance National City.

By NCB = OHIO... aka dying

October 24, 2008 11:29 AM | Link to this

NCB is like the rest of Ohio, a dying state! NCB over extended itself and lost their a@@. People in Ohio have done the same! You people suck!~ When you vote Osama Hussain Bama in dont come crying when you lose your foodstamps and SSI. All your govt funds will be sucked dry!

By Shir

October 24, 2008 11:11 AM | Link to this

Being a national city customer… not quite sure what to think. Should I be worried or relieved? Right now Im toss a coin for the out come of my feelings.