“You deserve a real community bank!” Welcome to Two River Community Bank — it is our pleasure to be able to serve you.   I understand that the recent turmoil in the financial markets has been unnerving for many of us. The general consensus is that the problems rest with many of the financial service firms that are not banks.   We are a traditional community bank — well-capitalized, prudent in our business model and dedicated to serving our communities in Monmouth and Union Counties. Consequently, we are here today, ready to lend money and provide a safe and sound home for your deposits, all delivered with excellent, personalized customer service.   Please stop by any of our 15 convenient locations in Monmouth and Union Counties, or feel free to call us. We are always here to lend a hand, especially when you need us most.   Very truly yours,               William D. Moss President & CEO            Two River Community Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under that program, through June 30, 2010 all non interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.