With more than 45 years of financial experience, K Bank is a proven leader in regional banking, offering a diverse range of checking, savings and lending products, combined with high-quality personal service to our consumer and business customers. Businesses and individuals have access to a variety of K Bank services that can be tailored to meet their individual needs. For commercial entities, K Bank is a leading, Preferred Small Business Administration (SBA) Lender in the Baltimore region. K Bank is also a pioneer in the construction lending business, offering acquisition and development loans, revolving construction loans and construction to permanent lending. We are also one of a few banks in the region to offer a renovation lending program, which helps the growing number of real estate investors restore buildings and revive neighborhoods. On the consumer side, we offer a variety of checking options for consumers and businesses. For consumers, we offer Free Checking, Premium Interest Checking and Power 50 Checking (a product designed for customers over 50 years of age), all of which include free access to over 1,500 regional ATMs. For businesses, we offer Business Analysis Checking and Power Business Checking accounts, in addition to a variety of loans that can be tailored to suit specific financial needs. Finally, we offer an array of CD, money market and retirement savings accounts, with some of the most competitive deposit rates in town. Our eight branches are conveniently located throughout Baltimore. In addition to our traditional brick-and-mortar sites, we also offer telephone banking, online banking and bill pay capabilities. This provides our customers with alternative options as to how, when and where they conduct their banking transactions.