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Dear Shareholders:
You are cordially invited to attend the Annual Meeting of Shareholders of Monarch Bank (the
Bank), which will be held on May 4, 2006, at 10:00 a.m. at the Norfolk Waterside Marriott,
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Who needs mb proxy finaldoc:
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Individuals who are unable to attend a meeting, event, or appointment and wish to appoint someone to act as their proxy.
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People who are undergoing medical treatment or expecting an extended absence and need someone to make decisions or handle their affairs during that time.
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