Downward pressure on the ratings couldreturn if asset quality trends worsen beyond Fitch’s expectations. FITB estimated earnings dilution on2008 earnings of $100 million on a pro forma basis as a result of thetransaction The Rating Outlook for FITB is Negative. Risk Registers allow a client to define and categorize its most criticalbusiness risks; measure against company-specified metrics or thresholds; andmanage follow-up mitigation efforts. Because Risk Registers are integratedwithin the STARS Enterprise framework, all of the associated tools for workflow,notification, reporting and communication are built-in and available tocustomers using the feature.

Heat maps, ERM dashboards, and event-specificalerts are all integrated within Risk Registers. In its recent ERM Study, CS STARS polled its client-base to gauge levels ofactivity and planning for adopting an ERM framework. The firm found that most ofits clients were in the early stages of ERM program adoption. Because RiskRegisters provide the foundation for a strong ERM program, CS STARS chose toexpand its capabilities in this area to simplify ERM adoption for its clients.

“CS STARS is addressing the challenges of Enterprise Risk Management head onwith this release,” said Bill Diaz, president of CS STARS. “Our clients havebeen using CS STARS products to support ERM for a number of years, but this isSTARS` first fully integrated ERM toolset designed specifically to simplify keyERM processes and help those just getting started with their programs.” In combination with its parent company Marsh, CS STARS is able to providesoftware as well as consulting support to clients adopting an enterprise riskmanagement approach. Through Marsh Risk Consulting, clients have access toindustry experts who can assist with the development and implementation of afully integrated ERM framework and plan. “The STARS offering is an efficient andcost-effective way for our clients to address a range of ERM functionalityneeds,” said Mathew Allen, practice leader for Marsh`s Enterprise Risk Servicesand Solutions group. “When combined with our ERM consulting services, clientshave the tools needed for establishing and executing on an ERM program thatsupports better business decisions across-the-board.” To learn more about STARS Enterprise solutions for supporting ERM or to requestan interview with a CS STARS representative, please contact: Gabrielle VetroneCS STARS LLC (650) 728-7218 About CS STARS LLC CS STARS LLC, a business unit of Marsh, serves the technology needs of riskmanagement professionals, as well as insurance carriers and third-partyadministrators – delivering integrated software and services for risk, claimsand compliance management. CS STARS` primary software platform, STARSEnterprise, supports comprehensive risk management, enterprise risk management(ERM) and compliance and safety management.

CS STARS has approximately 500employees worldwide and serves more than 1000 clients. Its software and serviceshelp clients improve business processes, manage costs and reduce enterpriserisk. CS STARS Web Site is About Marsh Marsh has 23,000 employees and provides advice and transactional capabilities toclients in over 100 countries. Marsh is a unit of Marsh & McLennan Companies(MMC), a global professional services firm with more than 54,000 employees andannual revenue exceeding $11 billion. MMC also is the parent company of GuyCarpenter, the risk and reinsurance specialist; Mercer, the provider of HR andrelated financial advice and services; Oliver Wyman, the management consultancy;and Kroll, the risk consulting firm. MMC’s stock (ticker symbol: MMC) is listedon the New York, Chicago and London stock exchanges MMC’s Web Site is.

CS STARS LLCGabrielle Vetrone(650) Copyright Business Wire 2009. Networking Expert Offers Tips on How to Develop a Relationship-Based NewBusiness ProgramLAGUNA NIGUEL, Calif.–(Business Wire)–Hank Blank is an agency New Business development consultant helping advertising,public relations and interactive agencies effectively win more new business.Hank has a unique perspective on the New Business process because he also servesas an agency review consultant and has completed searches for companies such asJenny Craig and Villeroy & Boch Networking is Hank`s primary New Business tool. “I`ve been using networking asmy method of expanding my business for years and now have put my learning andspeaking material into a new, 72-minute audio CD called `Networking Your Way toNew Business,’” said Blank. Hank has spoken on “Networking Your Way to New Business” to companies such asVolvo, Sole Technology, and countless organizations and associations across thecountry “Networking is a very powerful tool.