March 5, 2010

To Whom It May Concern:

On March 5, 2010, (“Closing Date”), the Utah Department of Financial Institutions closed Centennial Bank, Ogden, Utah, (“Failed Institution”). Subsequently, the Federal Deposit Insurance Corporation (“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 “Closed by Regulators”. This situation was the result of the bank failure and is not a reflection on the depositors of the bank.

Since each 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. Should you have any questions or concerns regarding this matter, please contact the FDIC Claims Department at (877) 875-4821 for further assistance.

Sincerely,

Claims Agent