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Bank of Bellevue's staff, directors and shareholders celebrated the opening of our bank in June 2005. We are very excited to be part of a bank whose goal is to bring local decision-making and personalized service back into the banking equation.

Our bank is staffed by ten veteran bankers with nearly 200 combined years of experience in financial services. We are guided by a board of directors composed of local business leaders. Our products and services are tailored to the customer's individual needs and, most importantly, we make our credit and business decisions right here in Bellevue.

"Money, frankly, is a commodity. All banks have it. Relationships and insightful bankers, on the other hand, are rare. Andy Barlass and the entire team at Bank of Bellevue (affectionately known as "BOB") have the desire to understand our business, and provide the working capital for us to achieve our goals. We're at home with "BOB" and we plan to stay."

We are off to a very good start and exceeded our goals for 2005. We will continue to provide relationship-based banking services to small and mid-sized businesses and entrepreneurs. We will also expand our commercial real estate business, mortgage lending and deposit generating activities.

This year, we will continue to be more involved with our community. During 2005, we joined the Bellevue Chamber of Commerce, and the entire staff participated in a community "Adopt a Family" program during the holidays.

We are excited about the New Year and the opportunity to continue to develop long-term banking relationships. We are grateful for the continued support of our clients and investors and looking forward to making some of their financial dreams come true.