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Bank of Tucson will celebrate its 10th anniversary in 2006. At this time, it is natural to look back at the achievements that helped build a great bank over such a short period of time.

The bank is on its fourth expansion of the original facility we opened in June 1996. This expansion will bring the entire team together on the main floor and allow us to provide all financial services in a professional environment.

We have expanded services for our clients to include cash management and receivables payment processing through our lock box service, and we are beginning electronic deposit capture so business clients can electronically transmit an image of their daily deposits rather than make a trip to the bank.

Our loan production office in Nogales, Arizona, strategically markets to produce growers and shippers in Mexico that supply produce to many areas of the United States. Following two years of tremendous growth, the Nogales operation will soon become a full-service office.

After many years of successfully meeting our business customers' needs, the bank has become a leader in small business lending in Pima County. We were recently named the Small Business Administration "Lender of the Year" for the state of Arizona. Also, we are now fully operational as an export-import bank with government guaranteed loan placements for U.S. businesses selling products internationally.

We maximize the potential of our directors, officers and employees by being leaders in developing products and relationships that will enhance our customers' businesses.

Without our talented banking professionals and the outstanding customers we serve on a daily basis, our success would not be possible. Thanks to all of you for making 2005 another great year for Bank of Tucson.