Topic Listing for Great Lakes Bancorp

Accounting Treatment Transaction Value Adverse Economic Conditions Gbsbs Market Areas Adversely Impact
Adversely Affected Changes Law Especially Regulation Banking Industry After Merger
Aggressive Branch Expansion Significant Loan Growth Continues Allowance Loan Losses
Amendment Anticipated Future Growth Require Raise Additional Capital Not
Bank-owned Life Insurance Basis Presentation Estimates
Bay View Bay View Capital Corporation
Bay View Income Tax Benefits Contingencies Bay View Merger Completed Strong Loan Growth Achieved
Beneficial Ownership Reporting Compliance Board Directors Recommends Vote Elections Nominees Named Below
Brief History Buffalo New York 14214
Bvac Contingency Bvfmac
Candidates Election Cash
Cash Equivalents Certain Indemnification Obligations Purchase Agreement Survive Indefinitely Not
Certain Provisions Certificate Incorporation By-laws Discourage Takeovers Certain Transactions
Change Registrants Certifying Accountant Changes Internal Control Over Financial Reporting
Committees Compensation Committee Interlocks Insider Participation
Compensation Committee Report Executive Compensation Philosophy Regarding Executive Officers
Comprehensive Income Loss Controls Procedures
Copies Code Ethical Conduct Corporate Governance Guidelines Committee Corporate Governance Management
County New York Covenants
Creation Direct Financial Obligation Off-balance Sheet Arrangement Registrant Critical Accounting Policies
Departure Directors Principal Officers Election Appointment Departure Directors Principal Officers Election Appointment Compensatory
Dependent Ability Subsidiaries Pay Dividends Order Meet Obligations Deposits
Director Qualifications Independence Director-stockholder Communications
Directors Executive Officers Discussion Financial Condition Changes 2005 2006
Employee Plans Equity Compensation Plan Information
Evaluation Disclosure Controls Procedures Exact Name Registrant Specified Charter
Except Share Per Data Exhibits
Experience Significant Difficulties Complications Connection Growth Acquisition Strategy Fees
Financial Condition Adversely Affected Gbsb Unable Attract Sufficient Financial Condition Results Operations Adversely Affected Gbsbs Allowance
Financial Presentation Financial Statements Exhibits
Forward Looking Statements Forward-looking Statements
Fsa Settlement Liability Great Lakes Bancorp Inc
Highlights Recent Accomplishments Income Taxes
Individuals Interest Rate Volatility Significantly Harm Business
Introduction Investment Securities
Leased Facility Obligation Legal Proceedings
Liquidity Loans
Loss Members Executive Team Negative Impact Business Meetings
Meetings Non-management Directors Merger Transaction
Net Interest Income New Branch Getzville
Nominees Election Directors Terms Office Expiring 2009 Noninterest Income
Other Events Overview
Overview Operations Premises Equipment
Present Class Directors Whose Terms Office Expire 2007 Principles Consolidation
Pro Forma Information Proposal Other Matters
Provision Loan Losses Purchase Price Allocation
Pursuant Securities Exchange Act 1934 Quantitative Qualitative Disclosures Market Risk
Quarterly Period 2006 Quorum Voting Rights Proxy Information
Reclassifications Relationship Independent Registered Public Accounting Firm
Release Report Audit Committee Board Directors
Restricted Cash Results Operations Adversely Affected Due Significant Competition
Results Operations Financial Condition Results Operations Significantly Affected Borrowers Unable Pay Loans
Sale Bay View Acceptance Corporation Completed Sarbanes-oxley Act 2002
Securities Exchange Act 1934 Securities Exchange Act 1934 Amended
Settlement Agreement Signature Pages Follow
Signatures Stock-based Compensation
Stockholder Proposals Stockholder Return Performance Presentation
Strategy Submission Matters Vote Security Holders
Third-party Action Prejudice Transfer Restrictions Delay Prevent Takeover Bids Parties Frustrate
Transfer Restrictions Not Effective Preventing Ownership Change Occurring Ultimately Determined Reserves Contingent Liabilities Remaining Dissolution Bay
Value Net Operating Loss Carryforwards Subject Challenge Irs Voting Securities Certain Holders Thereof
Washington 20549 Year-end Option Values
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