STOCKHOLDER INFORMATION

FBMC is owned by its current and former employees and Directors by common stock issued and outstanding. There are no outside or corporate owners. Director Michael H. Sheridan’s Trust and the Employee Stock Ownership Trust (ESOT) are the largest stock owners. The common stock is valued once a year by an independent appraiser and our ESOT trustee, and that value serves as a basis for transactions by the Stockholders. There is no outside market for the stock, and the company does not engage in market making.