STOCKHOLDER INFORMATION

FBMC is owned by its employees and Directors by common stock issued and outstanding. There are no outside or corporate owners. Family trusts created by founder and Chairman Michael H. Sheridan and the Employee Stock Ownership Trust (ESOT) are the largest stock owners. The common stock is valued once a year by an independent appraiser for ESOT valuation purposes, and that value is approved as a basis for transactions by the Stockholders at their annual meeting each June. There is no outside market for the stock, and the company does not engage in market making. The few transactions each year are usually between stockholders or between employees.