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?Y <br />e <br />LM <br /> <br />October 26, 2000 <br />Dear Customer, <br />Attached are copies of our financial reports for the years 1999 and 1998. This financial <br />statement is required to be made available, on request, to our customers and the general <br />public. <br />This annual disclosure statement is a fair representation of the Bank's financial condition <br />at the end of 1999 and the preceding year, 1998. The statement also reflects the results of <br />the Batik's operations for each such year. <br />This statement has not been reviewed; or confirmed for accuracy or relevance by the <br />Federal Deposit Insurance Corporation. <br />I attest to the correctness of the information contained in this annual financial statement <br />Sincerely, <br />Betty Gunnoe <br />Vice President/Controller <br />Community Banks of Colorado <br />J <br />C O M M U N I T Y B A N K S O F C O L O R A D O <br />Z ?I 117Q'0N uW4,0,nI nnn7 -n nn?i