Maintaining investor confidence and trust has become increasingly important in today's global business environment. Capital Banker's Board of Directors and management are strongly committed to implementing policies and procedures that reflect a high level of ethical business practices. Capital Banker's corporate governance policies provide the framework for our business operations and emphasize our commitment to increase stockholder value while meeting all applicable legal requirements.

Several examples of our Board's proactive initiatives include confidential voting, requiring that at least two-thirds of the directors be independent, and the establishment of a lead independent director. In addition, we began publishing our corporate governance policies in our proxy statement in 2007, and posting them on our website in early 2008.

We are committed to the pursuit of excellence, and we will continue evaluating ways to strengthen our policies and practices to promote the interests of our shareholders, partners, employees and the countries and communities in which we operate.

Peace & Prosperity,