Exhibit 99
 
 
 
 )In the Matter of
    
    
    )))
    
    
    CONSENT ORDERFIDELITY BANK
    
    
    )DEARBORN, MICHIGAN
    
    
    )
    
    
    FDIC-09-422b))(STATE CHARTERED
    
    
    )INSURED NONMEMBER BANK)
    
    
    ))
 (Bank) (Act) (FDIC)
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(ORDER)
  HEREBY ORDER
 MANAGEMENT
   (i)
    
    Comply with the requirements of this ORDER;(ii)
    
    Operate the Bank in
a safe and sound manner;(iii)
    
    Comply with applicable laws, rules, and
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regulations; and(iv)
    
    Restore all aspects of the Bank to a safe and sound condition, including capital adequacy,
asset quality, management effectiveness, earnings, liquidity, and sensitivity to interest rate
risk.
  MANAGEMENT PLAN
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(i)
    
    Identification of both the type and number of
officer positions needed to properly manage and supervise the affairs of
the Bank, including but not limited to the loan department;(ii)
    
    Identification and establishment of such Bank committees as are needed
to provide guidance and oversight to active management;(iii)
    
    Evaluation of
executive management and
executive loan staff to determine whether these individuals possess
the ability, experience and other qualifications required to perform
present and anticipated duties, including adherence to the Banks
established policies and practices, and restoration and maintenance
of the Bank in a safe and sound condition;
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(iv)
    
    Evaluation of all senior executive
managements compensation, including salaries, director fees, and
other benefits.(v)
    
    A plan to recruit and hire any additional or
replacement personnel with the requisite ability, experience and other
qualifications to fill those officer or staff member positions identified
by this paragraph of this ORDER.
   BOARD PARTICIPATION
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CAPITAL
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th
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LOSS CHARGE-OFF
  PROHIBITION OF ADDITIONAL LOANS TO CLASSIFIED BORROWERS
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REDUCTION OF DELINQUENCIES AND CLASSIFIED ASSETS
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(i)
    
    Prohibit an extension of credit for the payment of
interest, unless the Board provides, in writing, a detailed explanation of
why the extension is in the best interest of the Bank;(ii)
    
    Provide for review of the current financial
condition of each delinquent or classified borrower, including a review of
borrower cash flow and collateral value;(iii)
    
    Delineate areas of responsibility for loan officers;(iv)
    
    Establish target dollar levels to which the Bank
shall reduce delinquencies and classified assets within 6 and 12 months
from the effective date of this ORDER; and(vi)
    
    Provide for the submission of monthly
written progress reports to the Banks board of directors for review and notation in
minutes of the meetings of the board of directors.
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LENDING AND COLLECTION POLICIES
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LIQUIDITY PLAN
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DIVIDEND RESTRICTION
  ALLOWANCE FOR LOAN AND LEASE LOSSES
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PROFIT PLAN AND BUDGET
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STRATEGIC PLAN
  (i)
    
    Strategies for pricing policies and
asset/liability management; and(ii)
    
    Financial goals, including pro
forma statements for asset growth, capital adequacy, and earnings.
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CONCENTRATIONS OF CREDIT
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CORRECTION OF VIOLATIONS
  INTEREST RATE RISK
   NOTIFICATION TO SHAREHOLDERS
  PROGRESS REPORTS
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/s/ M. Anthony Lowe
    
    /s/ Stephen R. HilkerM. Anthony Lowe
    
    Stephen R. HilkerRegional Director
    
    Chief Deputy CommissionerChicago Regional Office
    
    Office of Financial and Insurance RegulationFederal Deposit Insurance Corporation
    
    State of Michigan
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