contributor to the economic fabric of this great City. The chartering of the Bank in 1992 by the Commonwealth of Pennsylvania, Department of Banking, brought together the rich diversity of leadership that had and continue to have a tremendous stake in this region. They worked together with the visionary founders of United Bank of Philadelphia to raise capital for the launching of this minority-owned and controlled bank with a mission of providing financial services to individuals and organizations that had been traditionally underserved by the financial sector. We are pleased to report that the Bank continues the rich tradition of economic development in this region. We appreciate the support of our investors and current client base. As we move forward, our goal is to create new relationships that have a common objective of building and sustaining urban communities. We know firsthand that Building Stronger Communities requires bold leadership, collaboration and innovation. www.ubphila.com/investrel.php