the customer, and better able to craft individualized solutions. As an example, we were able to craft an individual lending solution for an area developer, and bring it to market in less than one day.
      Conversely, we are significantly larger than several of our competitors. From this vantage point, we are able to offer a full array of services to customers that might not be readily available from small institutions. For example, our customers have access to a trust department which manages nearly $500 million in assets and has consistently turned in investment results that beat market indexes. We are in a position to provide customers with access to a team of brokers through our relationship with PrimeVest. Customers can also avail themselves of a full line of insurance products through the agencies owned by First United Insurance Group. Our business solutions are keyed to providing for the wants and needs of commercial customers.
      Without doubt, however, our greatest strength lies in the caliber and commitment of the people who make up this company. It starts with the Board of Directors, who bring tremendous talent to bear on the challenges and opportunities we face as a company. They are

unswervingly focused on building long-term value for all of our shareholders.
      This year, Director Frederick A. Thayer III will retire from the Board, after many years of dedicated service. His association with the company has been a long and valuable one having served on the Board of The First National Bank of Oakland, First United's predecessor, prior to his elevation to the Circut Court bench. We will miss his guidance and wise counsel, and wish him the very best.
      Complementing our Board is a team of skilled associates who are dedicated to advancing the vision and mission of First United, and are committed to transforming the company into a great financial services provider.
      We thank the people of First United for their dedication and all their hard work, and we thank you, our shareholders, for your ongoing support. We look forward to telling you about the accomplishments to come.