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Federal Deposit Insurance Corporation
Dallas Regional Office
1601 Bryan Street, Dallas, TX 75201

April 24, 2009

To Whom It May Concern:

On April 24, 2009 (the "Closing Date"), the the California Department of Financial Institutions closed First Bank of Beverly Hills, Calabasas, CA (the "Failed Institution"). Subsequently, the Federal Deposit Insurance Corporation (the "FDIC") was appointed as Receiver to handle all matters relating to the Failed Institution.

Because there was not an acquiring financial institution to purchase the deposits, any outstanding checks are being returned "Institution Closed". This situation was the result of the bank failure and is not a reflection on the depositors of the bank. Since the depositor of the Failed Institution was not aware of the potential receivership, they believed their checks would clear in the normal course of business. Therefore, we ask that you consider waiving any returned check charges and penalties due to these special circumstances.

Your cooperation and understanding are greatly appreciated. If you have any questions, please contact the FDIC at 1-800-523-8089.

Sincerely,

Claims Agent