FIRST MANITOWOC BANCORP, INC.
MISSION STATEMENT
BUSINESS YEAR 2006

FIRST MANITOWOC BANCORP, INC.
FIRST NATIONAL BANK IN MANITOWOC
Its Business Philosophy

The Bank has a duty to provide innovative, high quality services to meet the financial needs of individuals and businesses of all income levels within the communities and rural areas we serve, because these areas are our primary source of funding.

The Bank has a duty to safeguard depositor funds to its utmost ability, because those funds represent the confidence and faith of the depositors in the Bank, and a paramount claim against the capital of the Bank.

The Bank has a duty to employ, retain and empower a quality staff dedicated to the performance of its duties in a professional, ethical and moral fashion. The Bank shall provide an environment that promotes a standard of excellence in performance and service, because this will best assure the Bank's success.

The Bank has the duty to provide shareholders with growth and a competitive rate of return on their investment, because the Bank is a business venture which relies on the private investment capital of the shareholders.

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