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"Bank of Michigan has filled a major void in community banking in this area. Its opening could not be more timely or important. This bank is reintroducing the value of relationships to its customer base and will reap the benefits of an extremely loyal and successful community."

In December, I joined the experienced team of local bankers at Bank of Michigan who set the pace for this bank, which debuted in January 2005.

Our bank opened with an outstanding number of investors as a result of the efforts of an entrepreneurial group of organizers. We were pleased with operating results in the first year and look forward to growing our business and expanding our product offerings.

Our bank is uniquely positioned to increase its visibility in the coming years. The members of our board of directors reach far into the business community of southeastern Oakland County where our banking relationships are formed. These relationships will flourish as our reputation for prompt, courteous and personal service spreads.

Board member Burt Kassab, for example, owns a law firm, title company and mortgage brokerage firm. He is widely respected, has extensive relationships and is a tremendous asset to the bank in terms of his business and market knowledge.

Bank of Michigan is committed to the community and our staff is dedicated to growing our bank. We are eager to help our business clients meet the financial challenges they face and to be partners in their success. After all, our bank's success depends on it.