CREDIT WHERE CREDIT IS DUE McElhatton leads MasterCard’s IT behemoth with 1,700 full-time employees, $150 million annual payroll in a new state-of-the-art $136 million facility. FAR-FLUNG FAMILIES Some family businesses have left the corner store far behind. EAT FRESH A surge of new openings is revitalizing the local restaurant scene. 2003 ASSOCIATED GENERAL CONTRACTORS OF ST. LOUIS CONSTRUCTION KEYSTONE AWARDS THE MONTHLY NEWSLETTER AND PLANNING CALENDAR OF THE ST. LOUIS REGION Reversal of Ford decision is vivid testimonial to bipartisan statewide and regional partnership to retain Ford Hazelwood Plant. Putting the region’s best foot forward: National site selection conference markets the region. Welcom to New RCGA, Leadership Circle Members and Technology Gateway Investors Calendar FIRST LOFTS, THEN… Developers are optimistic that the increase in the number of residential units downtown by almost 20 percent will create a more vibrant urban environment. SPREADOUT Banks adapt to margin mashing interest rates. THREE VIEWPOINTS FROM THE PROS A PROMISE BRENDA NEWBERRY, president & CEO, The Newberry Group COMMERCE COMMENTS COMMERCE IN BRIEF MAKING HEADLINES INVESTING IN THE REGION ACROSS THE BOARD NEWSMAKERS TRENDS

November 2003 - - - - - - - - - - - - - - - - - - Cover Story, JERRY MCBHATTON senior executive vice president, MasterCard GTO Dining Out, Atlas Restaurant - - - - - - - - - - - - - - - - - - www.stlrcga.org - - - - - - - - - - - - - - - - - - www.technologygateway.org - - - - - - - - - - - - - - - - - - Wealth Management, DON KUKLA principal, Moneta Group Profile, BRENDA NEWBERRY president & CEO, The Newberry Group