Federal Deposit Insurance Corporation

The life insurance industry has followed your exchanges with the Comptroller of the Currency and the Federal Deposit Insurance Corporation regarding the Blackfeet National Bank "annuity" product with great interest.

The shares of common stock are not savings accounts or savings deposits, may lose value and are not insured by the federal deposit insurance corporation or any other government agency.

The proposal is being issued under the auspices of the Federal Financial Institutions Examination Council (FFIEC) by its member agencies: the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision.

Meacham added that customers' deposits will continue to be insured up to $100,000 by the Federal Deposit Insurance Corporation.

The Association's deposits are insured by the Federal Deposit Insurance Corporation.

The members of the Interagency Task Force are the Department of Housing and Urban Development, the Department of Justice, the Federal Deposit Insurance Corporation, the Federal Housing Finance Board, the Federal Reserve Board, the Federal Trade Commission, the National Credit Union Administration, the Office of the Comptroller of the Currency, the Office of Federal Housing Enterprise Oversight, and the Office of Thrift Supervision.

Federal Deposit Insurance Corporation (FDIC) Chairman Ricki Heller said the legislation was good for both banks and depositors.

The bank's deposits are insured by the Federal Deposit Insurance Corporation.

Westfield Bank's deposits are insured by the Federal Deposit Insurance Corporation.

The rules are being issued by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision.

The Federal Deposit Insurance Corporation has revised its policy statement on independent external auditing programs for state-chartered banks that do not belong to the federal reserve system.

The Bank's reports filed from time-to-time with the Federal Deposit Insurance Corporation, including the Bank's Form 10-KSB for the year ended December 31, 2005 and the Company's Prospectus, dated November 13, 2006, describe some of these factors, including general economic conditions, changes in interest rates, deposit flows, the cost of funds, changes in credit quality and interest rate risks associated with the Company's business and operations.

The rules announced were developed jointly by the Treasury Department, Treasury's Financial Crimes Enforcement Network, and the seven federal functional regulators, including the Board of Governors of the Federal Reserve System, the Commodity Futures Trading Commission, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, the Office of Thrift Supervision, and the Securities and Exchange Commission.