Fraternity Community Bancorp, Inc.
Stock Ownership Guide
Individual
Include the first name, middle initial and last name of the shareholder. Avoid the use of two initials. Please omit words that do not affect ownership rights, such as “Mrs.”, “Mr.”, “Dr.”, “special account”, “single person”, etc.
Joint Tenants
Joint tenants with right of survivorship may be specified to identify two or more owners. When stock is held by joint tenants with right of survivorship, ownership is intended to pass automatically to the surviving joint tenant(s) upon the death of any joint tenant. All parties must agree to the transfer or sale of shares held by joint tenants.
Tenants in Common
Tenants in common may also be specified to identify two or more owners. When stock is held by tenants in common, upon the death of one co-tenant, ownership of the stock will be held by the surviving co-tenant(s) and by the heirs of the deceased co-tenant. All parties must agree to the transfer or sale of shares held by tenants in common.
Uniform Transfers to Minors Act (“UTMA”)
Stock may be held in the name of a custodian for a minor under the Uniform Transfers to Minors Act of each state. There may be only one custodian and one minor designated on a stock certificate. The standard abbreviation for Custodian is “CUST”, while the Uniform Transfers to Minors Act is “UTMA”. Standard U.S. Postal Service state abbreviations should be used to describe the appropriate state. For example, stock held by John Doe as custodian for Susan Doe under the MD Uniform Transfers to Minors Act will be abbreviated John Doe, CUST Susan Doe UTMA MD (use minor’s social security number).
Fiduciaries
Information provided with respect to stock to be held in a fiduciary capacity must contain the following:
| • | | The name(s) of the fiduciary. If an individual, list the first name, middle initial and last name. If a corporation, list the full corporate title (name). If an individual and a corporation, list the corporation’s title before the individual. |
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| • | | The fiduciary capacity, such as administrator, executor, personal representative, conservator, trustee, committee, etc. |
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| • | | A description of the document governing the fiduciary relationship, such as a trust agreement or court order. Documentation establishing a fiduciary relationship may be required to register your stock in a fiduciary capacity. |
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| • | | The date of the document governing the relationship, except that the date of a trust created by a will need not be included in the description. |
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| • | | The name of the maker, donor or testator and the name of the beneficiary. |
An example of fiduciary ownership of stock in the case of a trust is: John Doe, Trustee Under Agreement Dated 10-1-93 for Susan Doe.
Stock Order Form Instructions
Items 1 and 2 — Number of Shares and Total Payment Due
Fill in the number of shares that you wish to purchase and the total payment due. The amount due is determined by multiplying the number of shares by the subscription price of $10.00 per share. The minimum purchase in the subscription offering is $250 (25 shares) of common stock. As more fully described in the plan of conversion outlined in the prospectus, the maximum purchase in any category of the subscription offering is $250,000 (25,000 shares) of common stock, and the maximum purchase in the community offering (if held) by any person, is $250,000 (25,000 shares) of common stock. No person, together with associates and persons acting in concert with such person, may purchase in the aggregate more than $400,000 (40,000 shares) of common stock.
Item 3 — Employee / Officer / Director Information
Check this box to indicate whether you are an employee, officer or director of Fraternity Federal Savings and Loan Association or a member of such person’s immediate family living in the same household.
Item 4 — Method of Payment by Check
If you pay for your stock by check, bank draft or money order, indicate the total amount in this box. Payment for shares may be made by check, bank draft or money orderpayable to Fraternity Community Bancorp, Inc. Cash must be converted to a bank check or money order. Your funds will earn interest at Fraternity Federal Savings and Loan Association’s passbook savings rate of interest until the stock offering is completed.
Item 5 — Method of Payment by Withdrawal
If you pay for your stock by a withdrawal from a deposit account at Fraternity Federal Savings and Loan Association, indicate the account number(s) and the amount of your withdrawal authorization for each account. The total amount withdrawn should equal the amount of your stock purchase. There will be no penalty assessed for early withdrawals from certificate accounts used for stock purchases.This form of payment may not be used if your account is an Individual Retirement Account.
Item 6 — Purchaser Information
Subscription Offering
| a. | | Check this box if you had a deposit account(s) totaling $50.00 or more on June 30, 2009 (“Eligible Account Holder”). |
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| b. | | Check this box if you had a deposit account(s) totaling $50.00 or more on ____ __, ____ but are not an Eligible Account Holder (“Supplemental Eligible Account Holder”). |
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| c. | | Check this box if you had a deposit account(s) on _____ __, ____ but are not an Eligible Account Holder or Supplemental Account Holder (“Other Member”). |
Please list all account numbers and all names on accounts you had on these dates in order to insure proper identification of your purchase rights.
Note: Failure to list all your accounts may result in the loss of part or all of your subscription rights.
Community Offering
| d. | | Check this box if you are a community member (Indicate parish of residence in item 9). |
Items 7 and 8 — Form of Stock Ownership, SS# or Tax ID#, Stock Registration and Mailing Address
Check the box that applies to your requested form of stock ownership and indicate your social security or tax ID number(s) in item 7. Complete the requested stock certificate registration, mailing address in item 8. The stock transfer industry has developed a uniform system of shareholder registrations that will be used in the issuance of your common stock. If you have any questions regarding the registration of your stock, please consult your legal advisor. Stock ownership must be registered in one of the ways described above under “Stock Ownership Guide.”Adding the names of other persons who are not owners of your qualifying account(s) will result in the loss of your subscription rights.
Item 9 — Telephone Number(s) and County
Indicate your daytime and evening telephone number(s) and county. We may need to call you if we have any questions regarding your order or we cannot execute your order as given.
Item 10 — Associates/Acting in Concert
Check this box if you or any associate or person acting in concert with you (as defined on the reverse side of the stock order form) has submitted another order for shares and complete the reverse side of the stock form.
Item 11 — Acknowledgment
Please review the prospectus carefully before making an investment decision. Sign and date the stock order form where indicated. Before you sign, review the stock order form, including the acknowledgment and certification. Normally, one signature is required. An additional signature is required only when payment is to be made by withdrawal from a deposit account that requires multiple signatures to withdraw funds.
Your properly completed signed stock order form and payment in full (or withdrawal authorization) at the subscription price must be physically received (not postmarked) by Fraternity Community Bancorp, Inc. no later than 2:00 p.m., Eastern time, on _______ __, 2011 or it will become void.
Delivery Instructions: You may deliver your stock order formby mail using the enclosed stock order return envelope,by hand delivery, orby overnight courier to the Fraternity Community Bancorp, Inc. Stock Information Center located at Fraternity Federal Savings and Loan Association’s main office, 764 Washington Boulevard, Baltimore, MD 21230.
If you have any remaining questions, or if you would like assistance in completing your stock order form, you may call our Stock Information Center at (___) ___-____, Monday through Friday, between the hours of 10:00 a.m. and 4:00 p.m., Eastern time.
Fraternity Federal Savings and Loan Association
Stock Information Center
764 Washington Boulevard
Baltimore, MD 21230