Firstbank (FBMI)

SUPERVISION AND REGULATION

        Banks and bank holding companies are extensively regulated. We are a financial holding company that is regulated by the Federal Reserve System. Firstbank – Alma, Firstbank (Mount Pleasant), Firstbank – West Branch, Firstbank – Lakeview, Firstbank – St. Johns, Keystone Community Bank and Firstbank – West Michigan are chartered under state law and are supervised, examined, and regulated by the Federal Deposit Insurance Corporation and the Division of Financial Institutions of the Michigan Office of Financial and Insurance Services.

SUPERVISION AND REGULATION

        Banks
and bank holding companies are extensively regulated. We are a financial holding company
that is regulated by the Federal Reserve System. Firstbank – Alma, Firstbank (Mount
Pleasant), Firstbank – West Branch, Firstbank – Lakeview, Firstbank – St.
Johns, Keystone Community Bank and Firstbank – West Michigan are chartered under
state law and are supervised, examined, and regulated by the Federal Deposit Insurance
Corporation and the Division of Financial Institutions of the Michigan Office of Financial
and Insurance Services.

SUPERVISION AND REGULATION

        Banks
and bank holding companies are extensively regulated. We are a financial holding company
that is regulated by the Federal Reserve System. Firstbank – Alma, Firstbank (Mount
Pleasant), Firstbank – West Branch, Firstbank – Lakeview, Firstbank – St.
Johns, Keystone Community Bank and Firstbank – West Michigan are chartered under
state law and are supervised, examined, and regulated by the Federal Deposit Insurance
Corporation and the Division of Financial Institutions of the Michigan Office of Financial
and Insurance Services.