Darien Rowayton Bank’s strategy for creating a strong commercial bank with a high quality residential lending capability has gained considerable momentum in 2010. In the third quarter, the Bank experienced record growth, fueled by increased demand for commercial loans and extremely low rates on residential mortgages. Economic activity in our marketplace appears to have stabilized. Businesses are managing to the new economic reality and the consumer population is proving to be financially resilient.

Darien Rowayton Bank has maintained solid asset quality as it has grown and has recently added several key positions to ensure that this quality is maintained. Our focus on quality has allowed us to continue to meet the needs of our current clients without the distraction of loan portfolio problems. It has also provided the basis for continued growth.

Darien Rowayton Bank has attracted the attention of the communities it serves by offering extraordinary, “main street” service to its clients. We offer quick turnaround and access to decision makers on loan requests and our deposit rates sare consistently among the best in our markets. Our relationship based approach provides additional benefits to clients as they consolidate their business with us. Our strong capital base gives us a solid foundation to build on.

None of this would be possible without the support of the communities we serve. We owe a debt of gratitude to the clients who have built relationships with us. We deeply appreciate your confidence in us. We plan to continue growing, developing new client relationships, giving back to our communities. We want to be your bank and are ready to serve you. Call us or visit one of our offices and see why “Money grows best in local soil”.

Robert Kettenmann

President

rkettenmann@drbank.com