Exhibit 99.2
1. Letter to Members and Friends (Closed Accounts)
Dear Members and Friends:
The Board of Directors of Peoples Building and Loan Association, F.A.
("Peoples Building and Loan") has adopted a plan to convert from a federally
chartered mutual savings and loan association to a federally chartered stock
savings bank (the "Conversion"). As a stock company, Peoples Building and Loan
will be structured under the same form of ownership used by most businesses and
banks. This Conversion to stock ownership means Peoples Building and Loan will
increase its capital and will enable Peoples Building and Loan to support future
banking activities. The Conversion will not affect your deposit accounts or
loans with Peoples Building and Loan or existing FDIC insurance coverage for
your deposit accounts.
As part of the Conversion, Peoples Building and Loan has formed a holding
company, PCB Holding Company, to will own all of the common stock of Peoples
Building and Loan. PCB Holding Company is offering up to 345,000 shares of its
common stock to customers of Peoples Building and Loan at a subscription price
of $10.00 per share. As a depositor on either December 31, 1996, March 31, 1998,
or April 30, 1998, or, as a borrower as of February 25, 1998 you have a
preferential right to subscribe to purchase the stock of PCB Holding Company
during the Subscription Offering without paying a fee or commission. For your
convenience this packet includes the following material:
. PROSPECTUS containing detailed information about Peoples Building and
Loan and the stock offering. Please read the Prospectus carefully
before making your investment decision.
. BROCHURE which answers frequently asked questions about the Conversion
and stock offering.
. STOCK ORDER FORM and CERTIFICATION to be completed in order to
purchase shares of PCB Holding Company stock. Payment by check or
written authorization to withdraw from a specified Peoples Building
and Loan account must accompany each order form and certification.
Orders of $25,000 or more must be paid by Peoples Building and Loan
account withdrawals, certified funds, cashier's check, or money order.
Order forms must be received by Peoples Building and Loan no later
than 12:00 noon, Tell City, Indiana time on _________, 1998.
If you would like to purchase PCB Holding Company stock in your IRA
account, using IRA funds, we may be able to accommodate you. Please contact the
Stock Center as soon as possible at ( ) _________.
Letter to Members and Friends
Page 2
If you are a current member of Peoples Building and Loan, you will also
find enclosed a proxy statement and proxy card(s). On behalf of the Board, we
ask that you help Peoples Building and Loan take this important step by signing
the enclosed proxy card(s), casting your vote in favor of the Plan of
Conversion. Your vote is very important! Please mail your proxy card(s) today in
the enclosed postage paid return envelope.
We believe it is in the best interest of Peoples Building and Loan to have
our customers and members of the communities we serve as our stockholders. We
encourage you to review this investment opportunity carefully. If you have any
questions, please call the Stock Center at ( ) _____________.
Sincerely,
Carl D. Smith
President and Chief
Executive Officer
Enclosures
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THIS LETTER IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO BUY
THESE SECURITIES. THE OFFER IS MADE ONLY BY THE PROSPECTUS ACCOMPANIED BY A
STOCK ORDER FORM AND CERTIFICATION, COPIES OF WHICH MAY BE OBTAINED BY
CONTACTING THE STOCK CENTER. THE COMMON STOCK OFFERED IN THE CONVERSION IS NOT A
DEPOSIT OR ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED.
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2. Letter for branch packages, Stock Center, non-members.
Dear Prospective Investor:
Peoples Building and Loan Association, F.A. ("Peoples Building and Loan")
is converting from a federal mutual savings and loan association to a federal
stock savings bank (the "Conversion").
As part of the Conversion, Peoples Building and Loan has formed a holding
company, PCB Holding Company, to own all of the common stock of Peoples Building
and Loan. PCB Holding Company is offering to customers of Peoples Building and
Loan up to 345,000 shares of its common stock at a purchase price of $10.00 per
share. Even if you are not currently a member of Peoples Building and Loan, you
may have the opportunity to purchase shares without paying a fee or commission.
Members have priority rights to purchase shares in the Subscription Offering and
no assurance can be given that your order will be filled.
For your convenience, enclosed are the following materials:
o PROSPECTUS containing detailed information about Peoples Building and
Loan and the stock offering. Please read the prospectus carefully
before making your investment decision.
o STOCK ORDER FORM and CERTIFICATION to be completed in order to
purchase shares of PCB Holding Company stock. Payment by check or
written authorization to withdraw from a specified Peoples Building
and Loan account must accompany each order form and certification.
Orders of $25,000 or more must be paid by Peoples Building and Loan
account withdrawals, certified funds, cashier's check or money orders.
If you are interested in purchasing shares of PCB Holding Company
stock, your completed stock order form and certification along with
payment must be received by Peoples Building and Loan by no later than
12:00 noon, Tell City, Indiana time on ________, 1998.
We encourage you to review this investment opportunity carefully. If you
have any questions, please call our Stock Center at (___) ___________.
Letter for Branch Packages, Stock Center, non-members
Page 2
We are pleased to offer you this opportunity to invest in PCB Holding
Company.
Sincerely,
Carl D. Smith
President and Chief
Executive Officer
Enclosures
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THIS LETTER IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO BUY
THESE SECURITIES. THE OFFER IS MADE ONLY BY THE PROSPECTUS ACCOMPANIED BY A
STOCK ORDER FORM AND CERTIFICATION, COPIES OF WHICH MAY BE OBTAINED BY
CONTACTING THE STOCK CENTER. THE COMMON STOCK OFFERED IN THE CONVERSION IS NOT A
DEPOSIT OR ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED
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3. Capital Resources Cover Letter to Blue Sky States
To Depositors and Friends of Peoples Building and Loan Association, F.A.:
Capital Resources, Inc. is an NASD member broker/dealer assisting Peoples
Building and Loan Association, F.A. ("Peoples Building and Loan") in its
conversion from a mutual to a stock organization.
At the request of Peoples Building and Loan and PCB Holding Company, the
proposed parent holding company of Peoples Building and Loan, we enclose certain
materials regarding the sale and issuance of common stock in connection with the
conversion of Peoples Building and Loan. These materials include a prospectus
which offers you the opportunity to subscribe to purchase shares of common stock
of PCB Holding Company
We have been asked to forward these documents to you in view of certain
requirements of the securities laws of your state. We should not be understood
as recommending or soliciting in any way any action by you with regard to the
enclosed materials. If you have any questions, please contact us at the Stock
Center at (_____) _________.
Very truly yours,
Capital Resources, Inc.
Enclosures
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THIS LETTER IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO BUY
THESE SECURITIES. THE OFFER IS MADE ONLY BY THE PROSPECTUS ACCOMPANIED BY A
STOCK ORDER FORM AND CERTIFICATION, COPIES OF WHICH MAY BE OBTAINED BY
CONTACTING THE STOCK CENTER. THE COMMON STOCK OFFERED IN THE CONVERSION IS NOT A
DEPOSIT OR ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED.
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4. Letter to Members in "Dark Blue-Sky" States and Foreign Accounts
Dear Member:
Peoples Building and Loan Association, F.A. ("Peoples Building and Loan")
is converting from a federal mutual savings and loan association to a federal
stock savings bank with the concurrent formation of a holding company, PCB
Holding Company.
Enclosed you will find a Proxy Statement and Prospectus describing the
conversion and proxy card(s). As a current member of Peoples Building and Loan,
we ask you to participate in the conversion by reviewing the information
provided and voting on the conversion by completing and mailing the enclosed
proxy card(s) in the enclosed postage-paid envelope as soon as possible. The
Board of Directors recommends that you vote in favor of the Plan of Conversion.
Although you may vote on Peoples Building and Loan's Plan of Conversion,
PCB Holding Company unfortunately is unable to either offer or sell its common
stock to you because the small number of eligible subscribers in your
jurisdiction makes registration or qualification of the common stock under the
securities laws of your jurisdiction impractical. Accordingly, neither this
letter nor the enclosed material should be considered an offer to sell or a
solicitation of an offer to buy the common stock of PCB Holding Company
If you have any questions about your voting rights or the conversion in
general, please call the Stock Center at (___) ___________.
Sincerely,
Carl D. Smith
President and Chief
Executive Officer
Enclosures
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THIS LETTER IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO
BUY THESE SECURITIES. THE OFFER IS MADE ONLY BY THE PROSPECTUS
ACCOMPANIED BY A STOCK ORDER FORM AND CERTIFICATION. THE COMMON STOCK
OFFERED IN THE CONVERSION IS NOT A DEPOSIT OF ACCOUNT AND IS NOT
FEDERALLY INSURED OR GUARANTEED.
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QUESTIONS AND ANSWERS BROCHURE
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Answers to Frequently Asked Questions
About Our Stock Conversion and
Your Opportunity to Invest in
PCB Holding Company
the Proposed Holding Company of
Peoples Building and Loan Association, F.A.
Questions and Answers Brochure
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Page 2
You can be one of the initial stockholders of PCB Holding Company, the
proposed holding company of Peoples Building and Loan Association, F.A. PCB
Holding Company is "going public" as part of Peoples Building and Loan's
conversion from a federally chartered mutual savings and loan association to a
federally chartered stock savings bank to be known as Peoples Community Bank.
Now you have the opportunity to invest in Peoples Building and Loan by
purchasing stock in the initial offering of the holding company. This brochure
answers some of the most frequently asked questions about the conversion to
stock ownership and about your opportunity to invest in PCB Holding Company
Questions and Answers Brochure
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Page 3
ABOUT THE TRANSACTION
1. WHAT IS A CONVERSION?
Peoples Building and Loan is now a federally chartered mutual savings and
loan association with directors elected by our members. After the
Conversion, we will be a stock savings bank owned by a holding company. The
holding company, PCB Holding Company, will be owned by stockholders who
will have voting rights with respect to certain key business matters. The
holding company is offering shares of common stock to certain customers of
Peoples Building and Loan and, depending upon market conditions and the
availability of shares, may offer shares to selected persons in a public
offering.
2. WHAT IS PCB HOLDING COMPANY AND WHY WAS IT FORMED?
PCB Holding Company is a newly organized holding company created by Peoples
Building and Loan specifically to purchase 100% ownership in Peoples
Building and Loan. The holding company currently has no stockholders, but
is offering shares of its common stock to certain customers of Peoples
Building and Loan and, depending upon market conditions and the
availability of shares, may offer shares to selected persons in a public
offering. The additional capital provided through the offering of PCB
Holding Company stock will support future banking activities and local
expansion of the financial services currently offered through Peoples
Building and Loan.
3. WHAT ARE THE BENEFITS AND RISKS OF CONVERSION?
The Conversion and sale of stock will increase Peoples Building and Loan's
capital, enabling it to do many things, including possibly the following:
- support expansion of financial services
- facilitate future access to the capital markets
Please review "Use of Proceeds" in the Prospectus for Peoples Building and
Loan's and the holding company's initial plans with respect to the capital
to be raised in the Conversion.
There are certain risks in investing in PCB Holding Company common stock.
Please review the prospectus prior to making an investment decision,
particularly the section entitled "Risk Factors".
Questions and Answers Brochure
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Page 4
4. WILL THE CONVERSION HAVE ANY EFFECT ON MY SAVINGS OR LOAN ACCOUNT?
No. The Conversion will not affect the general terms of your savings
account which will continue to be insured by the Federal Deposit Insurance
Corporation (FDIC) to the maximum legal limit. Your savings account is not
being converted to stock. The obligations of borrowers under their loan
agreements will not be affected.
5. HOW DO I BENEFIT FROM THE CONVERSION?
Eligible depositors and borrowers will be given the opportunity to
subscribe or place an order to purchase stock in PCB Holding Company and
thereby participate in any gain in the value of the shares and future
dividend payments, if any. Furthermore, the additional capital will enable
Peoples Building and Loan to provide expanded services to its customers and
the community.
ABOUT PURCHASING STOCK
6. WHO MAY PURCHASE STOCK?
PCB Holding Company is currently conducting a Subscription Offering.
Persons listed below may have the opportunity to subscribe to purchase PCB
Holding Company's common stock during the Subscription Offering.
- Eligible Account Holders. Persons who had a savings deposit of at
least $50 at Peoples Building and Loan on the Eligibility Record Date,
December 31, 1996.
- Supplemental Eligible Account Holders. Persons who had a savings
deposit of at least $50 on the Supplemental Eligibility Record Date,
March 31, 1998.
- Other Members. Depositors and certain borrowers as of the Voting
Record Date, April 30, 1998.
PCB Holding Company may, depending upon market conditions and the
availability of shares, offer stock to certain persons in a public
offering.
Questions and Answers Brochure
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Page 5
7. WHAT IS THE PRICE PER SHARE AND HOW MANY SHARES ARE BEING OFFERED?
The aggregate value of PCB Holding Company stock has been determined by an
independent appraisal firm. The purchase price per share is $10.00. Up to
345,000 shares are being offered for sale (or up to 396,750 shares under
certain conditions such as a change in market and financial conditions
following commencement of the Offering).
8. WILL EVERYONE PAY THE SAME PRICE FOR THE STOCK?
Yes. All subscribers, including Peoples Building and Loan's Board of
Directors and management, will pay the same price during the offering.
9. ARE DEPOSITORS OBLIGATED TO BUY STOCK?
No. But our depositors have a priority subscription right.
10. HOW MUCH STOCK MAY I BUY IN THE SUBSCRIPTION OFFERING?
The maximum number of shares that you may purchase, either alone or
together with your associates or persons acting in concert with you, is
6,500.
11. WHAT IS THE MINIMUM AMOUNT OF STOCK I MAY BUY?
The minimum purchase limit is 25 shares.
12. IS THE STOCK INSURED BY THE FDIC?
No. Like any other common stock, PCB Holding Company stock will not be
insured by the FDIC or any governmental agency.
13. IN THE FUTURE, HOW MAY I PURCHASE MORE SHARES OR SELL MY SHARES?
PCB Holding Company intends to list the common stock over-the-counter on
the Pink Sheets or through the OTC-Bulletin Board. No assurance can be
given, however, that quotes for PCB Holding Company stock will be available
or that an investor will be able to resell the common stock at or above the
purchase price after Conversion. Because of the small size of the offering
it is unlikely that an active trading market for PCB Holding Company stock
will develop.
Questions and Answers Brochure
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Page 6
14. WILL THERE BE ANY DIVIDENDS?
PCB Holding Company intends to adopt a policy of paying regular cash
dividends. The declaration and payment of dividends are subject to, among
other things, the financial conditions and results of operations of PCB
Holding Company, Peoples Building and Loan's compliance with its capital
requirements, tax considerations, industry standards and other factors.
15. HOW DO I ORDER STOCK AND WHAT METHODS CAN BE USED FOR PAYMENT OF MY STOCK
PURCHASES?
Complete the stock order form and certification as instructed. Be sure to
indicate the number of shares you wish to purchase and the total amount
remitted (multiply the number of shares subscribed for by $10.00 per
share.) Total payment for purchases in the Subscription Offering must
accompany the order form and be received by PCB Holding Company prior to
12:00 noon, local time, on _________, 1998. The payment options for stock
purchases are as follows:
- Check or money order sent or delivered to Peoples Building and Loan.
If payment is made by check or money order, interest will be earned at
the passbook rate until the Conversion is completed.
- Withdrawal of funds from any existing account of Peoples Building and
Loan in an amount equal to the purchase price (which is $10.00 per
share) times the number of shares ordered. Penalties for early
withdrawal from a Peoples Building and Loan account will be waived
when purchasing stock in the Subscription Offering. Once authorization
for withdrawal of funds has been made, the subscriber may not withdraw
the designated amount unless the Plan of Conversion is terminated or
as otherwise required by regulatory authorities. All funds maintained
in savings accounts are insured by the FDIC up to legally applicable
limits and will earn interest until completion of the Conversion.
- Orders of $25,000 or more must be paid by Peoples Building and Loan
account withdrawals, certified funds, cashier's check, or money
orders.
- IRA purchases. If you wish to purchase shares of PCB Holding Company
stock for an IRA account, either at Peoples Building and Loan or
elsewhere, we may be able to accommodate you. Please contact the Stock
Center as soon as possible at (812) ________ so that we may assist you
with the appropriate procedures for such a purchase. It is important
that you contact us soon because making the IRA arrangements takes
time.
Questions and Answers Brochure
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Page 7
16. MAY I CHANGE MY MIND?
The stock order form you executed cannot be canceled or withdrawn. However,
you may order additional shares by completing another stock order form,
subject to the maximum purchase limitations.
17. ARE MY SUBSCRIPTION RIGHTS TRANSFERABLE?
No. No person may transfer or enter into any agreement to transfer his or
her subscription rights issued under the Plan of Conversion, or the shares
to be issued upon the exercise of such rights. Persons violating such
prohibition will lose their right to purchase stock in the Conversion and
may be subject to further government sanctions.
ABOUT MEMBERS' VOTING RIGHTS
18. WHO IS ELIGIBLE TO VOTE ON THE PLAN OF CONVERSION?
Depositors at the Voting Record Date of April 30, 1998 who continue to be
depositors at the date of the Special Meeting are eligible to vote.
Borrowers with loans outstanding on February 25, 1998 and through the
Voting Record Date are also eligible to vote.
19. HOW IS THE NUMBER OF VOTES DETERMINED?
Each deposit account holder is entitled to cast one vote for each $100, or
fraction thereof, of the aggregate withdrawal value of all such account
holder's deposit accounts on the Voting Record Date. The maximum number of
votes per person is 1,000. Each borrower who has voting rights is entitled
to cast one vote, in addition to any votes a borrower has as a depositor.
20. IF I VOTE FOR THE PLAN OF CONVERSION ON THE PROXY CARD, WILL I BE OBLIGATED
TO PURCHASE PCB HOLDING COMPANY STOCK?
No. Signing the proxy card and voting for the Conversion in no way
obligates you to purchase PCB Holding Company stock. All members are urged
to vote for the Conversion. THE BOARD OF DIRECTORS HAS UNANIMOUSLY APPROVED
THE PLAN OF CONVERSION AND RECOMMENDS MEMBERS VOTE "FOR" APPROVAL OF THE
PLAN OF CONVERSION.
21. WHAT HAPPENS IF I DON'T VOTE?
Failing to vote could be equivalent to voting against the Plan of
Conversion. YOUR VOTE IS EXTREMELY IMPORTANT! Please sign and mail your
proxy card(s) now.
Questions and Answers Brochure
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Page 7
22. MAY I COME TO THE SPECIAL MEETING AND VOTE?
Yes. However, every member is encouraged to send a proxy card(s) to Peoples
Building and Loan prior to the meeting even if the member plans to attend
the special meeting. The proxy is revocable and can be changed by
submitting a later dated proxy or by casting a ballot at the meeting.
23. I RECEIVED MORE THAN ONE PROXY CARD. CAN I VOTE THEM ALL?
Yes. Please vote ALL the proxy cards you receive. You may have more than
one account in different registrations. While some accounts have been
consolidated, it is not permissible to consolidate all accounts.
24. IF A SAVINGS ACCOUNT IS IN JOINT NAME, MUST BOTH NAMES BE SIGNED ON THE
PROXY CARD?
No. Two or more signatures are required only when two or more signatures
are needed to withdraw funds from the account.
25. IF I DON'T BUY STOCK WILL I HAVE A VOTE AT FUTURE ANNUAL MEETINGS?
No. After the Conversion, only stockholders will have voting rights.
However, the operations of Peoples Building and Loan and the general terms
and balances of your deposit accounts and loans will remain unchanged.
26. HOW MAY I GET MORE INFORMATION?
We hope that these questions and answers, combined with the Prospectus and
the Proxy Statement, will help you better understand the Conversion and the
stock offering. You are urged to carefully review the Prospectus and Proxy
Statement before making an investment or voting decision. If you desire
further information, please contact the Stock Center at:
Telephone: (812)_________
I M P O R T A N T
P R O X Y R E M I N D E R
PCB Holding Company
YOUR VOTE ON PCB HOLDING COMPANY'S STOCK CONVERSION IS VERY IMPORTANT.
VOTING FOR THE CONVERSION WILL NOT AFFECT THE INSURANCE OF YOUR
DEPOSIT ACCOUNT. YOUR ACCOUNT WILL CONTINUE TO BE INSURED UP TO THE
MAXIMUM LEGAL LIMIT BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, AN
AGENCY OF THE U.S. GOVERNMENT.
REMEMBER, VOTING FOR THE CONVERSION DOES NOT OBLIGATE YOU TO BUY ANY STOCK.
PLEASE ACT PROMPTLY! SIGN YOUR PROXY CARD(S) AND MAIL OR DELIVER THEM TO PCB
HOLDING COMPANY TODAY. WE RECOMMEND THAT YOU VOTE FOR THE PLAN OF CONVERSION.
THE BOARD OF DIRECTORS
PEOPLES BUILDING AND LOAN
ASSOCIATION, F.A.
If you have already mailed your proxy card(s), please accept
our thanks and disregard this request.
For Further Information, Please Call
The Stock Center
at (812) -
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THIS ANNOUNCEMENT IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO
BUY THESE SECURITIES. THE OFFER IS MADE ONLY BY THE PROSPECTUS ACCOMPANIED BY A
STOCK ORDER FORM AND CERTIFICATION, COPIES OF WHICH MAY BE OBTAINED BY
CONTACTING THE STOCK CENTER. THE COMMON STOCK OFFERED IN THE CONVERSION IS NOT A
DEPOSIT OR ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED.
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PLACARD/LOBBY POSTER FOR EACH BRANCH OFFICE - Approx. 2 1/2' X 4'
PCB Holding Company is Going Public!
You may now own a part of Peoples Building and Loan Association, F.A.
by purchasing shares of stock
in its holding company, PCB Holding Company
Please take a prospectus, and
for further information about the stock offering
call the Stock Center at
( ) -
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THIS ANNOUNCEMENT IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO
BUY THESE SECURITIES. THE OFFER IS MADE ONLY BY THE PROSPECTUS ACCOMPANIED BY A
STOCK ORDER FORM AND CERTIFICATION, COPIES OF WHICH MAY BE OBTAINED BY
CONTACTING THE STOCK CENTER. THE COMMON STOCK OFFERED IN THE CONVERSION IS NOT A
DEPOSIT OR ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED.
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NEWSPAPER ADVERTISEMENT
NEW ISSUE
PCB Holding Company
the proposed holding company for
Peoples Building and Loan Association, F.A.
is going public!
Up to 345,000 shares of Common Stock are being offered
at a Subscription Price of $10.00 per share.
For Information Call:
Stock Center
Telephone (812) __________
or stop by the Stock Center located at
819 Main Street
Tell City, Indiana 47586
The Subscription Offering period deadline is 12:00 Noon, local time_________,
1998.
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THIS ANNOUNCEMENT IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO
BUY SECURITIES. THE OFFER IS MADE ONLY BY THE PROSPECTUS ACCOMPANIED BY A STOCK
ORDER FORM AND CERTIFICATION, COPIES OF WHICH MAY BE OBTAINED BY CONTACTING THE
STOCK CENTER. THE COMMON STOCK OFFERED IN THE CONVERSION IS NOT A DEPOSIT OR
ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED.
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YOU'RE INVITED
You are cordially invited to attend our Community Meeting where you will find
out more about Peoples Building and Loan and our stock offering including...
o A presentation by senior management discussing Peoples Building and
Loan strategy and performance.
o An explanation of Peoples Building and Loan's plan for converting to a
stock form of ownership.
o A question and answer period, followed by a reception where you can
personally meet and talk with the officers and directors of Peoples
Building and Loan.
There will be no sales pressure. You will receive PCB Holding Company stock
offering materials, including a prospectus. It is up to you to decide if a stock
purchase matches your investment objectives.
For more details PCB Holding Company stock offering, attend this informative and
convenient Community Meeting:
Location:
Date:
Time:
Seating is limited, so please call and reserve your seat. To make a reservation
or to receive a prospectus, call (812) ___________.
Share Our Future.
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THIS ANNOUNCEMENT IS NEITHER AN OFFER TO SELL NOR A SOLICITATION OF AN OFFER TO
BUY SECURITIES. THE OFFER IS MADE ONLY BY THE PROSPECTUS ACCOMPANIED BY A STOCK
ORDER FORM AND CERTIFICATION, COPIES OF WHICH MAY BE OBTAINED BY CONTACTING THE
STOCK CENTER. THE COMMON STOCK OFFERED IN THE CONVERSION IS NOT A DEPOSIT OR
ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED.
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