About Pulaski Bank Home Lending
Pulaski Bank is an independent, community bank providing friendly and personal service to consumers. We were founded in 1922 as Pulaski Building and Loan Association. We operate 5 offices in the St. Louis metropolitan area. Pulaski Bank is a $300 million asset bank with roughly 168 full time employees. We are a public company trading under the symbol "PULB" on
the NASDAQ National Markets Stock Exchange.

Mission Statement
The mission of Pulaski Bank is to achieve maximum value for its shareholders through the provision of comprehensive and diverse financial products and services delivered with a quality level of service. Pulaski Bank’s niche is the consumer segment of the financial sources market. The bank functions as a retail driven, community bank serving the St. Louis Metropolitan area. Pulaski Bank shall operate as an independent, safe and sound financial institution in the St. Louis Metropolitan market area with more than adequate capital and with above-average rates of return on assets and equity. The management and staff shall operate within a progressive work environment. Recently, Pulaski Bank has moved to the Kansas City Metropolitan area to open up its mortgage lending operations that mirror the success of its St. Louis Operations. In June of 2003, Pulaski Bank announced that it was going to open up retail banking in the Kansas City market, to better serve the its customers in Kansas City, Missouri MSA.

Why Choose Pulaski Bank?

1. Direct, One-on-One Service

Our loan officers work with each customer personally. We treat our customers as individuals, taking as much time as necessary to answer questions and explain details. We take pride in going the extra step to ensure the customer will come back again and again. We're small enough to refer to our customers by name rather than property address, but large enough to ensure competitive pricing. We offer a full line of mortgage products, including many specialized programs: bridge loans, 100% financing, non-conforming loans, first time homebuyer programs, to name a few.

2. Quick Turnaround Time
In many cases, loans can be approved for further processing in a day because we have local underwriting and local approvals. There are no big approval committees and no bureaucracy-just individuals making personal decisions on a timely basis. When our customers have a question or problem, our goal is to resolve it as soon as possible.

3. A "Small Bank" Atmosphere
We truly care about our customers and come to know them as individuals. Customers are always telling us how friendly and knowledgeable our employees are. And, if you visit the home office, you are likely to meet Bill Donius, the President of Pulaski Bank.

4. Customer Satisfaction
We are extremely interested in making sure that all of our customers are completely happy. So, every mortgage loan customer is sent a loan questionnaire, and it is returned directly to Bill Donius. Each time the surveys are tallied, the results are quite impressive. Your Pulaski loan officer can help you determine what you can afford, provide a breakdown of potential costs and in some cases, identify programs that will provide assistance with your down payment. We will also help you choose form our wide variety of mortgage options to fit your financial situation and lifestyles. Your home purchase is likely to be the most important investment you'll ever make. Why risk being treated like a number? Just email Jim Yarrington, at jyarrington@pulaskibankstl.com or call Jim and his team at (913) 338-4300.

Pulaski Bank, St. Louis, Missouri