We are proud to say that Needham Bank stands out in the banking industry not only due to it's superb service to customers, but also due to its exceptionally strong financial condition. The Bank's surplus, or net worth, is the largest in our class; this, of course, provides our depositors extra protection. We are happy to be able to say that this financial strength makes us one of the safest banks in the cooperative banking industry. Our growth continues to be steady and secure. We are justly proud of the progress and accomplishments of the Bank for over 115 years and we thank our many valued customers for making each one of these years an outstanding one. The Board of Directors and our efficient courteous staff will continue to work to offer the finest savings, real estate development, and home mortgage products possible. We want your experience at the Bank to be convenient, enjoyable, and profitable. Meet Our Board of Directors: Robert D. Cicerone John W. Day William R. Day Arthur F. Howe David W. Lombard John W. McGeorge Thomas D. McInerney Francis X. Orfanello Glenn Ricciardelli Charles E. Taylor Mark R. Whalen