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Frequently Asked Questions:

Shareholder Related:

How do I trade my stock?


Newly issued bank stocks cannot be listed on a stock exchange until the bank has completed its first quarterly reporting cycle. For blueharbor bank, this will be completed as of March 31, 2008. After that date, quarterly reports will be filed with the Federal Deposit Insurance Corporation and these reports will serve as a key requirement of becoming listed on a stock exchange. Once approved for listing, we will be assigned a ticker symbol to uniquely identify our stock.

What happens if I need to trade stock prior to the time it is listed on a stock exchange?

We realize that some folks may need to trade stock prior to our listing on a stock exchange. These individuals should contact our Chief Executive Officer, Jim Marshall, or our Chief Financial Officer, Jan Hollar.

How do I change the address on my stock account?

Your address can be changed by giving the information in writing to our stock transfer agent, First Citizens Bank. It is important that our records show the correct address at all times.
First Citizens Bank
Shareholder Services
Mail Code:FCC61
Post Office Box 29522
Raleigh, NC 27626-0522

How do I change the name on my stock account?

Your name can be changed by providing written notification to our stock transfer agent, First Citizens Bank. All parties listed on the stock account must give permission to have the names changed.
First Citizens Bank
Shareholder Services
Mail Code:FCC61
Post Office Box 29522
Raleigh, NC 27626-0522

If my stock is maintained in safekeeping with First Citizens, will there be a fee to me?


No, blueharbor bank will pay all fees associated with having your stock maintained at First Citizens.

What are the advantages to having my stock held in safekeeping?

Most people enjoy not having to keep up with the physical certificates when they allow First Citizens to hold their stock in safekeeping.

If I maintain my stock in safekeeping, how to do I get my certificate if I want to sell it?

With a request from you, First Citizens will provide the certificate to you in whole or in part to satisfy your trade. They will do this by issuing you a certificate or by electronic means if available by all parties at the time of the trade.

Will I receive a regular cash dividend?

New banks are prohibited from paying cash dividends during the first three years of existence.

When will the Annual Shareholder's Meeting be held?

The Annual Shareholder's Meeting date and location will be set annually by the board of directors. While the exact date and location may vary, it will generally be held in the spring. Notification will be mailed to the address listed on our shareholder records. This is another reason you to maintain your current address on your account records maintained by First Citizens.






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