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Larry Carroll, a prominent financial planner practicing in Charlotte, North Carolina, read with interest an article in the Charlotte Observer announcing the formation of a new community bank. Larry contacted the President of the proposed bank to express his interest in joining the organizing group. Through their efforts, Park Meridian Bank commenced operations. After ten years of steady growth, Park Meridian Bank was sold to Regions Bank. Larry experienced an attractive return on his investment. Now, Larry desires to 'do it again!'. He is now leading an effort to start another community bank and has recruited his friend and business colleague, Mike Evans, to join him in this business endeavor. Mike is extremely excited and flattered that he has been invited to join the organizing group. However, Mike faces some challenges. The reader will be introduced to the issues Mike faces in making the decision whether to participate or not.