June 1, 2009

Dear The Milford National Bank and Trust Company and/or Forward National Company Customer(s):

On September 1, 2009 our consumer lending subsidiary Forward National Company located at 112 Turnpike Road, Suite 201, Westborough, MA 01581 will relocate to The Milford National Bank and Trust main office located at 300 East Main Street, Milford, MA 01757.

Any person wishing to comment on this proposed branch closing may file comments with the director for district licensing at the Office of the Comptroller of the Currency, New England Field Office, 20 Winthrop Square, Suite 200, Boston, MA 02110. Comments should be received by the proposed closing date.

If you have any questions, please call the Bank's main number at 508-634-4100. Thank you for your business and we look forward to continuing to serve your banking needs for many years to come.

Sincerely,

Kristin T. Carvalho
President and Chief Executive Officer