From the 10-Q report filed with the SEC on 11/8/2004 -- The Company issued $11 million of Trust Preferred Securities in December 1999 that are callable on December 15, 2004 and carry a fixed rate of 9.40%. It is the Company’s intention to redeem those securities on the call date and issue $11 million in floating rate Trust Preferred Securities that mature in thirty years, are callable in five years and carry a floating rate of three month LIBOR plus 197 basis points.

QUANTUMONLINE.COM SECURITY DESCRIPTION:  EBH Capital Trust I, 9.40% Cumulative Preferred Securities, liquidation amount $8 per share, guaranteed by Enterbank Holdings Inc., now called Enterprise Financial Services Inc. (OTCBB: EFSC), redeemable at the issuer's option on or after 12/15/2004 at $8 per share plus accrued and unpaid dividends, maturing 12/15/2029, distributions of 9.40% ($0.752) per annum are paid quarterly on 3/15, 6/15, 9/15 & 12/15 to holders of record one business day prior to the payment date while the securities remain in book-entry form. The company has the right, at any time, to defer dividend payments for up to 20 consecutive quarters (but not beyond the maturity date). The trust's assets consist of the 9.40% Junior Subordinated Deferrable Interest Debentures due 12/15/2029 which were purchased from the company using the funds generated from the sale of the trust preferred securities. See the IPO prospectus for further information on the trust preferred securities by clicking on the ‘Link to IPO Prospectus’ provided below.

Stock Exchange	Cpn Rate Ann Amt	LiqPref CallPrice	Call Date Matur Date	Moodys/S&P Dated	Distribution Dates	15% Tax Rate
AMEX Chart	9.40% $0.752	$8.00 $8.00	Called for 12/15/2004 12/15/2029	NF NF 7/05/2004	3/15, 6/15, 9/15 & 12/15 Click for MW ExDiv Date Click for Yahoo ExDiv Date	No

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HOME PAGE:     http://www.enterprisebank.com/

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Email Address

questions@enterprisebank.com

Address and Phone Numbers

Address:   150 North Meramec, Clayton, MO 63105
Main Phone Number	314-725-5500
Fax Number	Not Available