To Our Valued Customers: Needham Bank continues to prosper and has become a very important banking institution to the residents and many businesses in Norfolk County. We have been serving our market for over 115 years and have grown to nearly $650 million in assets with our five locations in Needham, Dedham, Medfield, Westwood and Wellesley. The Bank maintains the largest net worth, also known as surplus or reserves, of any cooperative bank in the state; this means strength, stability and extra protection for our depositors. We are and will remain a mutual bank that is locally owned and operated. Because we are a mutual organization, we do not work for stockholders. We are in business to serve you, our customer! Our experienced banking professionals live in the communities we serve, support many local organizations and many have been working at Needham Bank for decades. That consistency allows us to know who you are and what you want and expect from your banker to simplify your banking experience with us. Our constant attention and enduring commitment to providing the highest level of customer service in a courteous, responsive and personal manner are what keep our customers coming back generation after generation. Our priorities are meeting and exceeding your banking needs and being available to help you when you need it whether in person, via the telephone or via the Internet. Our structure and size also benefits you, our customer, by giving access to our management team. Our senior officers provide a one-on-one relationship with each customer throughout and during the mortgage process and whenever you ask for our assistance. We are very proud of our heritage and commitment to our communities. We are one of the most efficient banks in the state leading to our ability to offer low fees and provide favorable interest rates on deposits and when lending you money. Our long history and continued local focus have built a strong financial foundation which translates to your account with us being safe and secure. You can expect that Needham Bank will be here for the next generation of your family. So come visit us at any one of our five locations, visit our website or just give us a call. You will always be greeted by one of our friendly employees or a member of our management team. I personally guarantee that your satisfaction is our primary goal. Sincerely, John (Jack) W. McGeorge President