Dear Customers and Shareholders:

Greetings! Thank you for taking your time to visit our bank¡¯s website.

MoreBank – MyBank is our new theme! The goal is for MoreBank to become the bank of choice for everyone in our marketplace from our existing customers to our associates to our board members. MoreBank has grown steadily over the last three years, and we have commenced a campaign around our MyBank theme as we enter a new phase of growth. MoreBank is unique in that we are owned almost exclusively by the Korean-American community. MoreBank has now embarked on a new journey to become the pride and joy of the communities we serve.

MoreBank serves two types of customers: the depositors and borrowers. The focus of our new campaign is for our customers to recognize and become proud that they contribute significantly toward the prosperity of the communities we serve. The depositors can feel proud that, through MyBank, their deposits help the borrowers become more successful. Likewise, the borrowers, who pay back the loan along with interest, also help others achieve their goals. In this way, everyone who does business with MoreBank will make contributions to improving the quality of life of their communities. Though simple, we believe it is a powerful concept which has already received enthusiastic support.

MoreBank desires its new campaign to become a joint-venture of the first and second generations in our communities building a bridge between old and young. We have already begun a project to distribute piggy banks to children in our communities stressing the importance of saving. We also have pledged to conduct a variety of financial seminars geared towards educating people about commonly misunderstood concepts such as ¡°Managing Your Credit¡±. Others efforts include the formation of a two new advisory boards. The first is composed of first generation business and community leaders and the second is composed of the 1.5 and second generation professional and business leaders. They will all contribute to the success of our new campaign.

All the staffs and management is firmly committed to bring MoreBank to the next level of excellence by delivering stellar service to its customers and community through dedicated associates who are committed to serve with servant heart. Everyone at MoreBank is committed to see the success of the ¡°MyBank¡± campaign which will ultimately improve the life of our community.

Thank you again for your support and trust in MoreBank.

Paul Y. Hyon
President & CEO