BFC Capital Trust II, 7.20% Cumulative Trust Preferred Securities

Distributions may be deferred for periods up to 5 years

Ticker: BANFP

Parent Ticker: BANF

OTC Grey Market Temporary Ticker: NA

Issuance Date: 02/25/2004

1st Call Date: 03/31/2009

Maturity Date: 03/31/2034

Shares Issued: 1,000,000

Overallotment Shares: 40,000

Coupon: 7.20%

Face Value: $25.00

Cumulative: Yes

Qualified: No

Quarterly Dividend Amount: 0.450

Ex-Dividend Months: MAR, JUN, SEP, DEC

Approx. Ex-Dividend Day: 28

Payment Months: JAN, APR, JUL, OCT

Payment Day: 15

S&P Rating: NR

III Rating: B

Moody Rating: NR