April 16, 2010

To Whom It May Concern:

On April 16, 2010 (the “Closing Date”), the Michigan Office of Financial and Insurance Regulation closed Lakeside Community Bank ( the “Failed Institution”). Subsequently, the Federal Deposit Insurance Corporation (the “FDIC”) was appointed as Receiver (the “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 no reflection on the depositor. Since the depositor of the Failed Institution was not aware of the potential receivership, they believed these 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 1-800-640-2631.


Sincerely,

Claims Agent