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2005 marked another milestone for Arrowhead Community Bank (ACB) as we celebrated our fifth anniversary. Long before we opened the bank doors in September of 2000 we made it a goal to focus on developing relationships and establishing ourselves as "financial solutions providers," rather than simply processing financial transactions. In addition, we made the strategic decision to brand the bank by establishing a culture of community service and volunteerism. I am pleased to report this approach to banking and marketing is proving to be successful.

Early on we introduced BANK NOTE$, a monthly newsletter that enables us to provide a value-added service to clients by offering them an avenue to promote their businesses and unique projects. It also provides a platform for us to share information about board members and staff; bank products and services; the events and needs of local nonprofit agencies; and ACB's charitable contributions and volunteer efforts within the local community. Each month we produce a printed version of BANK NOTE$ that is used as a statement stuffer, published in two local newspapers and featured on the ACB web site. The online version offers additional opportunity to highlight our customers with expanded web space and archived issues for quick reference.

Response to BANK NOTE$ was immediate and continues to be compelling. We are proud that BANK NOTE$ is one of the most frequently visited sites among the Capitol Bancorp family of banks' web sites. Through the online and printed versions, it is read by more than 50,000 clients and prospects each month. The feedback we receive from the community continues to be very positive -- clients continue to ask to be featured in future editions.

BANK NOTE$, along with the dedication of a professional, experienced staff and an active board of directors, has contributed to the success of Arrowhead Community Bank. We are pleased to be a part of the extraordinary growth in the West Valley and are confident the next five years will prove to be as rewarding as the first five - for Arrowhead Community Bank, our clients and the local West Valley community.