OptimumBank Holdings Inc (OPHC)

[dougthebug0]

From the DEFA14A:

Page 2 of 3



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The situation that we find ourselves in today clearly was not anticipated when OptimumBank Holdings Inc. opened its doors. Looking forward, we feel that only a capital raise will enable us to return to the initial vision of the Company’s founders of developing a true community commercial bank that will be able to grow both in size as well as increase shareholder value.

If you have any question concerning the issues discussed in this letter, please contact me either by telephone at my office 847-256-7600 or email me at [e-mail] .

I look forward to seeing you on December 29 th .

Sincerely,



Sam Borek

Chairman of the Board