November 2005: BAUERFINANCIAL, the nation's leading independent bank rating firm, proudly announces that American Marine Bank, Bainbridge Island, Washington has earned its recommended 4-star rating for the 12th consecutive quarter.

"This award, based on our analysis of current financial data as well as historical data, is an award of merit, pure and simple, and American Marine Bank has earned it," stated Karen Dorway, president of the research firm. "Unlike some industries in which ratings can be purchased, BAUERFINANCIAL adheres to a strict set of financial standards in assigning its ratings. No bank pays for its rating, nor can any bank elude it," she continued.

Established in 1948, American Marine Bank has been committed to the needs of its neighbors and friends for 57 years. It currently operates through 11 conveniently located offices and can be found on the internet at www.americanmarinebank.com.

BAUERFINANCIAL Inc., Coral Gables, Florida, is the nation's leading independent bank rating firm. It has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. Consumers may obtain free star-ratings by calling 800.388.6686 or visiting www.bauerfinancial.com.

For more information on American Marine Bank, or any other U.S. bank, contact Karen Dorway directly at 800.388.6686 or e-mail her at kdorway@bauerfinancial.com.

SEPTEMBER 30, 2005 - American Marine Bank and the beneficiaries of the Samuel B. Theler Trust are pleased to announce that they have amicably settled the recent dispute involving the trust. All involved parties participated in a two day mediation on September 22nd and 23rd.

The Theler Trust was established under the will of Samuel B. Theler in 1968. The beneficiaries of the Theler Trust are the North Mason School District, and Boy Scout and Girl Scout troops in the North Mason County area. The North Mason School District distributes its share of the trust benefits to the Mary E. Theler Community Center.

Earlier this year, the Trustee took steps to sell two of the Trust's five real estate parcels in order to diversify, and raise funds for, the Trust. On June 30, 2005 a lawsuit was filed in Mason County Superior Court by the Mary E. Theler Community Center and Boy Scout Troop 1520. The Court was asked to temporarily restrain the Trustee from selling these properties. A first Amended Petition was filed on July 18, 2005 to remove the Trustee. These actions led to the September mediation and settlement.

With the participation of the office of the Attorney General, the Beneficiaries of the Theler Trust, the Mary E. Theler Community Center, and American Marine Bank reached an amicable settlement of all outstanding issues on September 23rd. All parties concluded that it was in the best interest of the children and citizens of the community to resolve the litigation without further court intervention.

Among other points acknowledged in the settlement document, it was agreed that:

• The parties have legitimate and justifiable differences of opinion on issues relating to the management of the trust and the steps that should be taken to resolve them.
• The Attorney General's involvement in the litigation does not imply wrongdoing by the Bank as Trustee. Nor was there any criminal or civil investigation of the Bank performed by the Attorney General on any matter relating to the Theler Trust.
• The Attorney General believes that there are legitimate concerns regarding over-concentration of assets, and that diversification of a Trust's asset base is generally desirable. In this instance, the Attorney General defers to the preference of the Beneficiaries regarding the Trust's present asset allocation, without endorsing that preference.

The Settlement Agreement is a matter of public record and will be filed with the Superior Court of Mason County along with a Stipulated Order of Dismissal of all claims.

BAINBRIDGE ISLAND - SEPTEMBER 2, 2005 - A bank account has been established at American Marine Bank by the Red Cross under the name of "Gulf Coast Relief" for the purpose of hurricane Katrina relief. Funds collected under this account are tax deductible and will go directly to the American Red Cross to provide shelter, food, counseling and other assistance to those in need.

The Red Cross is operating more than 250 shelters across seven states, providing a safe haven for nearly 42,000 evacuees - many who have been left homeless by Katrina. The first priority is meeting the urgent, critical needs of these people, which include providing emergency shelter, food and water.

Those who would like to contribute to this fund are encouraged to make checks payable to "American Red Cross" and mail to American Marine Bank, Attn: Gulf Coast Relief, P.O. Box 10788, Bainbridge Island, WA 98110. Donations are also accepted at all American Marine Bank offices. American Marine Bank has locations in Bainbridge Island, Belfair, Kingston, Port Angeles, Port Ludlow, Port Townsend, Poulsbo, Downtown Seattle, Sequim and Silverdale. For specific address information, visit the AMB web site at www.americanmarinebank.com or call 800-648-3194.

Established in 1948, American Marine Bank has provided banking services to its neighbors and friends for the past 57 years. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation with eleven banking and two lending locations throughout Clallam, Jefferson, Kitsap and Mason counties as well as downtown Seattle. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information call Judy Thorpe at (206) 855-8563.

BAINBRIDGE ISLAND, WA - JUNE 20, 2005 - American Marine Bank is pleased to welcome Pam Traylor. Pam will work as a new Loan Officer in the Silverdale Home Loan Center with lending responsibility for most of the Kitsap and Mason County markets.

Pam comes to American Marine Bank with over 24 years of mortgage banking experience. Her career includes 13 years in mortgage loan origination, the last 9 years with KeyBank. Pam also was a small business owner. Most recently, Pam was a Relationship Manager in Community Development Banking at KeyBank. She originated 1-4 family residential mortgages with a focus on low to moderate income families and individuals. Pam is a member of the Kitsap Housing Coalition, the Bremerton Elks, the National Association of Professional Mortgage Women, the Kitsap County Association of Realtors and she resides in Port Orchard.

Established in 1948, American Marine Bank has provided banking services to its neighbors and friends for the past 56 years. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation with eleven banking and two lending locations throughout Kitsap and Mason Counties, the Olympic Peninsula as well as downtown Seattle. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information call Judy Thorpe at (206) 855-8563.

BAINBRIDGE ISLAND, WA - JUNE 20, 2005 - American Marine Bank is pleased to welcome Steve Touger. Steve will represent American Marine Bank as Vice President in Commercial Real Estate Lending offering a variety of acquisition, construction and term loan alternatives. He will work from the Home Office on Bainbridge Island.

Steve's career ranges over 25 years in Commercial Real Estate Lending and Banking. Starting out at Seafirst's Head Office Branch, Steve worked as a cashflow and workout analyst when the bank was acquired by Bank of America. Steve decided to specialize in commercial real estate and joined Seattle Trust's commercial real estate lending group through its acquisition by Key Bank. Steve shifted to Rainer Bank where he was involved in the formation of a commercial real estate adjustable rate mortgage term-loan program while underwriting a variety of commercial real estate construction and rehab loans. Steve remained with Rainier through its acquisition by Security Pacific Bank and Bank of America.

Steve then shifted to the term-lending side of commercial real estate at MetLife Capital where he was the Assistant Manager of the national real estate lending program. Steve was the northwest states loan representative for Bank of America's securitized commercial real estate lending program and co-formed a national lending program for Fremont bank. In recent years, Steve has mostly worked independently on contracts in a variety of commercial real estate related projects such as: a dot-com venture specializing in on-line lending programs, analysis of a potential wholesale program for the Federal Home Loan Bank, a lending system review for a mid-west banking group, and underwriting securitized commercial real estate loans for a national lending program at Artesia.

Raised outside Philadelphia, Steve attended the Settlement School of Music, followed by studies at the Hartt School of Music at the University of Hartford. After starting his career in banking, Steve completed the commercial lending diploma program with the American Institute of Banking and the CCIM Institute designation course-work including commercial real estate investment analysis and marketing.

Established in 1948, American Marine Bank has provided banking services to its neighbors and friends for the past 56 years. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation with eleven banking and two lending locations throughout Kitsap and Mason Counties, the Olympic Peninsula as well as downtown Seattle. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information call Judy Thorpe at (206) 855-8563.

PORT TOWNSEND - MAY 23, 2005 - American Marine Bank staff spent time teaching graduating seniors at Quilcene High School the basics of banking on Monday, May 23rd. Ryan Anderson, Port Townsend Branch Manager, and Mandy Smith, Sales Associate and a QHC alumni met with the entire senior class. The presentation included basic concepts of banking as well as the importance of establishing good credit. "It was an amazing experience; the kids were great and seemed to really grasp what we were teaching," said Anderson. "It's important for us to be active in our community and we looks for ways to educate on what we do best." The kids enjoyed a "Jeopardy" inspired game that taught financial principles as well as an opportunity to walk away with some great prizes.

American Marine Bank's Port Townsend location is located inside of Safeway. The bank specializes in personal and small business banking. "I believe we are the only bank in Port Townsend that offers courier service to our business clients and our extended hours make banking even more convenient." said Anderson. Established in 1948, American Marine Bank has provided banking services to communities in Western Washington for the past 56 years.

American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation with 11 banking and 2 lending locations in Kitsap and Mason County, the Olympic Peninsulas and downtown Seattle. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information contact Judy Thorpe at (206) 855-8563.

Bainbridge Island, WA - March 28, 2005 - Today American Marine Bank announced that it will open its Port Townsend Safeway in-store office on March 31, 2005. Port Townsend is the fourth in-store office to open for American Marine Bank since November of last year. The Sequim office opened in November of 2004, the Port Angeles office opened in December of 2004 and the Belfair office opened in February of 2005.

"We're thrilled to open in the Port Townsend Safeway store," said Ryan Anderson, Branch Sales Manager. "Our office will be open from 10:00 am to 7:00 pm on weekdays and 10:00 am to 5:00 pm on Saturdays; more extended hours then most banks. We'll offer great product options for new customers and added convenience to our current customers in Port Ludlow who shop in Port Townsend."

The new Safeway offices of American Marine Bank will offer full service banking with personal checking and savings products, loans, mortgages, trust & wealth management services and business banking products. Plans for a grand opening event at the Port Townsend location are in the works.

Established in 1948, American Marine Bank has provided banking services to its neighbors and friends for the past 56 years. The bank recently announced expansion of its banking office system into Sequim, Port Angeles, Belfair and Port Townsend through a partnership with Safeway, Inc. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation now with eleven banking and two lending locations throughout Kitsap County, the Olympic Peninsulas and in downtown Seattle. Our Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information call Judy Thorpe at (206) 855-8563.

BAINBRIDGE ISLAND - FEBRUARY 1, 2005 - American Marine Bank is pleased to welcome Brad Van Aken to the Trust & Wealth Management Team. Van Aken will serve as Vice President and Account Executive and will work from the Bainbridge Island office of American Marine Bank.

Brad comes to American Marine Bank with over 5 years experience as a Principal in the Equity Research Group of Sirach Capital Management in Seattle and 3 years in the Real Estate Research Group of Security Capital Group in Chicago. Brad has extensive experience in equities analysis and portfolio construction.

Brad is a graduate from the University of Washington with a Bachelors degree in Business Administration with emphasis in Finance and Information Systems and is a member of Seattle Society of Financial Analysts.

Established in 1948, American Marine Bank has provided banking services to communities in Western Washington for the past 56 years. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation with nine banking and two lending locations throughout Kitsap County, the Olympic Peninsula and downtown Seattle. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information contact Judy Thorpe at (206) 855-8563.

BAINBRIDGE ISLAND - FEBRUARY 1, 2005 - American Marine Bank is pleased to welcome Jim Kreamer to the Trust & Wealth Management Team. Kreamer will serve as Vice President and Account Executive and will work from the downtown Seattle office of American Marine Bank.

Jim comes to American Marine Bank with over 25 years of financial services industry experience including trust, investment management and brokerage services, most recently serving as Vice President and Senior Trust Administrator for Harris Bank in Bellevue. During his career, Kreamer also served as Vice President for Laird Norton Trust, Wells Fargo Private Client Services and Seafirst Bank all in the trust management capacity.

Kreamer holds an economics degree from the University of Washington, is an honors graduate from the Cannon Trust School of Pepperdine University and served as President of the Tacoma Estate Planning Council.

Established in 1948, American Marine Bank has provided banking services to communities in Western Washington for the past 56 years. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation with nine banking and two lending locations throughout Kitsap County, the Olympic Peninsula and downtown Seattle. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information contact Judy Thorpe at (206) 855-8563.

PORT LUDLOW - JANUARY 24, 2005 - American Marine Bank will celebrate 5 years of serving the Port Ludlow community the week of January 24-28th. The week-long celebration includes customer appreciation offers such as free give-a-ways, prize drawings and refreshments. The staff at Port Ludlow will also hold an Open House on Friday, January 28th from 4-6 pm.

American Marine Bank's Port Ludlow office was one of the first banks in the Port Ludlow community. "American Marine Bank has a proud history in community banking and we're excited to reach our 5-year landmark in Port Ludlow," said Branch Manager, Susan Whitmire. "A lot has changed for our bank in the past 5 years, but I'm confident our commitment to our customers remains the same. We think of them as friends and neighbors, not just customers."

American Marine Bank continues to expand into new markets on the Peninsula. The bank now has 9 banking and 2 lending offices located throughout Kitsap County and the Olympic Peninsula as well as downtown Seattle. New AMB Safeway offices in Sequim and Port Angeles are now open and a new Port Townsend Safeway office set to open in March will provide even better service to existing Port Ludlow customers who regularly shop in Port Townsend.

Established in 1948, American Marine Bank has provided banking services to communities in Western Washington for the past 56 years. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information contact Judy Thorpe at (206) 855-8563.

PORT ANGELES - JANUARY 18, 2005 - American Marine Bank and the Port Angeles Chamber of Commerce held a ribbon cutting ceremony for their new banking office in the Port Angeles Safeway on Tuesday, January 18th. American Marine Bank staff and Chamber members were present to celebrate the opening.

Donna Davidson, Senior Vice President of Community Banking for American Marine Bank kicked off the ribbon-cutting ceremony. "American Marine Bank has been serving communities for over 56 years now and we're proud of our growth," said Davidson. "We now have 9 banking and 2 lending offices located throughout Kitsap County and the Olympic Peninsula as well as downtown Seattle. This is the second of 4 new Safeway in-store offices we're opening. Sequim opened on December 17th; Belfair and Port Townsend are set to open in the 1st quarter of 2005."

"We're thankful for our partnership with Safeway and for their support," said Brian Kuh, Port Angeles Branch Sales Manager. "The new in-store office allows us to offer the same banking products that we have at our traditional locations, but through extended hours and in a convenient location. We're open until 7:00 pm on weekdays and from 10:00 am to 5:00 pm on Saturdays. We hope our extended hours along with our full range of products will provide a valuable banking experience for the Port Angeles community."

The ribbon cutting was directed by Port Angeles Deputy Mayor, Gary Braun and Chamber Ambassadors Louann Yager, Claudia Ingstrom, Marisa Stoops, and Helen Elwood.

Also in attendance were American Marine Bank Port Angeles Assistant Sales Manager, Peggy Hansen and Sales Associates Tiffany Kovalenko, Tom Walker and Lacey Keil.

Established in 1948, American Marine Bank has provided banking services to communities in Western Washington for the past 56 years. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation with nine banking and two lending locations throughout Seattle and the Kitsap and Olympic Peninsulas. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information contact Judy Thorpe at (206) 855-8563.

BAINBRIDGE ISLAND - JANUARY 3, 2005 - A bank account has been established under the name of "Coins That Care" for the purpose of tsunami relief. The idea for the fund was the brainchild of Suellen Cunningham, a Bainbridge resident who felt compelled to help. Suellen thought that people could use the money from their change jars to help contribute to the fund. Bill Reddy, director of the Housing Resources Board and Nancy Quitslund, Bainbridge Ometepe Sisters Island Association shared a similar vision and stepped in to help with the logistics of the account and fund drive. American Marine Bank helped to open the account and has committed to make a sizeable contribution as well.

Funds collected under this account will be distributed to 3 organizations, 1) UNICEF - the leading advocate for children's rights and healthcare needs, active in 158 countries and territories around the world; 2) Oxfam - a relief organization that works with others to find lasting solutions to poverty and suffering; and 3) Doctors without Borders - which delivers emergency aid to victims of armed conflict, epidemics, and natural and man-made disasters, and to others who lack health care due to social or geographical isolation.

Those who would like to contribute to this fund are encouraged to make checks payable to "Coins That Care" and mail to American Marine Bank, Attn: Coins that Care, P.O. Box 10788, Bainbridge Island, WA 98110. Donations are also accepted at all American Marine Bank offices. American Marine Bank has locations in Bainbridge Island, Kingston, Port Angeles, Port Ludlow, Poulsbo, Downtown Seattle, Sequim and Silverdale. For specific address information, visit the AMB web site at www.americanmarinebank.com.

Established in 1948, American Marine Bank has provided banking services to communities in Western Washington for the past 56 years. The bank recently announced expansion plans including new banking offices in Belfair, Sequim, Port Angeles and Port Townsend through a partnership with Safeway, Inc. American Marine Bank is a wholly owned subsidiary of AMB Financial Services Corporation with nine banking and two lending locations throughout Seattle and the Kitsap and Olympic Peninsulas. The Home Office is located at 249 Winslow Way East, Bainbridge Island, WA. For more information contact Judy Thorpe at (206) 855-8563.