Post on 23-Oct-2021
November 10, 2015 Mr. Russell G. Golden Chairman Financial Accounting Standards Board 401 Merritt 7 Norwalk, CT 06856‐5116 Re: Proposed Accounting Standards Update: Financial Instruments—Credit Losses Dear Mr. Golden: My name is Jerry Cooksey and I am CFO of First Advantage Bank in Clarksville TN. I am writing to express serious concerns regarding the proposed accounting standards update on impairment for loans and certain investment securities currently under deliberation by the FASB. My community bank, along with thousands of others throughout the United States, is a small, relationship‐based institution that serves the local community through customized lending tailored to specific customer needs. My bank lends in our community based on relationships we have built with our customers over many years. The proposed expected credit loss model, with its reliance on complex modeling techniques provided by vendors at great cost to my bank and the immediate, front loading impact on loan loss provisioning, is simply the wrong approach to properly provide for future credit losses. Recently, bank regulators have indicated that, if adopted, banks of all sizes (i.e., both community banks and large banks) will need to conduct a robust analysis on the allowance for credit losses using tools provided by external service providers. This will impose a severe regulatory burden on community banks without a corresponding benefit. I am asking you today to adopt the alternative proposal put forth by the Independent Community Bankers of America. The proposal set forth by ICBA relies on historical loss experience for similar assets as the way to appropriately build the loan loss reserve. As loans and securities become impaired where a loss is probable, my bank would increase the reserve based on a specific measurement of impairment and loss mitigation alternatives. ICBA’s alternative proposal properly builds the necessary allowance in a ratable fashion that matches the credit risks inherent in the financial instrument with its earning potential. Additionally, reserves are recognized sooner in the credit cycle than the current standard, which meets FASB’s objective in reforming the shortfalls exposed during the recent credit crisis. Most importantly, the alternative proposal removes the day‐one‐loss concept from the equation, a provision that would greatly harm community banks nationwide. Bank regulators have already indicated that implementation of this standard will require an immediate increase in loan loss provisions of 30 to 50 percent with no explanation or transparency as to how these estimates were calculated. Community banks do not have readily available access to the capital markets to raise the capital needed to offset the immediate depletion of retained earnings required under the FASB proposal. Adoption of the proposal would result in instant loss of capital for all community banks, which would have a sizable impact on each bank’s ability to lend in their community. Additionally, community banks will be reluctant to take the risk necessary to promote economic development out of fear that a sizable day‐one loss will result in deterioration of capital levels. Instead of creating new proposals to force greater capital retention for community banks, FASB should focus instead on the Globally Significant Important Banks or G‐SIBs that currently are far less capitalized than regional and community banks under International Financial Reporting Standards and that bring
AFI-UNS Comment Letter No. 111
significantly greater risk to their investors and the national economy when off‐balance sheet items are not reflected in capital ratios. Thank you for considering my concerns with the proposed expected credit loss model. If you have any questions or would like additional information, please do not hesitate to contact me at 931‐920‐1567 or jerry.cooksey@fabk.com. Sincerely, /s/ Jerry Cooksey │ EVP, Chief Financial Officer │ First Advantage Bank 1430 Madison Street │Clarksville, TN 37040 │ O: 931.920.1567 │ M: 865.789.0655 │ F: 931.245.2525 jerry.cooksey@fabk.com│Facebook │ Twitter │ LinkedIn
AFI-UNS Comment Letter No. 111
KIM LIDDELL 1880 BANK
JUDANN CULVER 1880 BANK
TERRY FARR 1ST BANK OF YUMA
JOHN MARINO 1ST BANK OF YUMA
BLAKE DEWITT 1ST BANK YUMA
JAMES MILROY 1ST STATE BANK
GENE BUHR 1ST UNITED BANK
JACK WAGNER ADRIAN BANK
THOMAS SELLERS ALLIANCE BANK
MARK AULT ALLIANCE BANK
ROGER MOBLEY ALLIANCE BANK & TRUST COMPANY
RONALD LASHUTE AMERICAN BANK & TRUST COMPANY
PAUL ELLIS AMERICAN HERITAGE BANK
TOM CHESNEY AMG NATIONAL TRUST BANK
BRIAN MINO ASHTON STATE BANK
JOHN MARSHALL ATBANCORP
JAMES O'JIBWAY AUSTIN COUNTY STATE BANK
KAREN DHILLON BAC COMMUNITY BANK
WILLIAM TREZZA BAC COMMUNITY BANK
STEVEN DEHNERT BADGER BANK
MITCHELL WEYER BADGER BANK
STEPHEN FIORE BADGER BANK
TOM DEHNERT BADGER BANK
CHERYL DOBSON BADGER BANK
DEBRA RANGUETTE BADGER BANK
PETER FORRESTEL BANK OF AKRON
JENNIFER THEIMER BANK OF BOTETOURT
MICHELLE CROOK BANK OF BOTETOURT
GARLAND HUMPHRIES BANK OF BOTETOURT
NED HONTS BANK OF BOTETOURT
DUSTIN BAYS BANK OF BOTETOURT
CRAIG PLASTER BANK OF CAIRO AND MOBERLY
ZACH LUKE BANK OF COMMERCE
RON JOHNSON BANK OF COMMERCE
JOHN MORLEY BANK OF EASTON
JEFFREY STEWART BANK OF FRANKEWING
BRAXTON WHITEHEAD BANK OF FRANKLIN
DANIEL MUELLER BANK OF GALESVILE
DAVE KUSLER BANK OF HAZELTON
CHRIS BROWN BANK OF KAMPVILLE
ASHLEY CUNNINGHAM BANK OF LITTLE ROCK
STEVE PLUNKETT BANK OF LITTLE ROCK
EUGENE L. PETE MARIS BANK OF LITTLE ROCK
BENJAMIN LOGAN BANK OF LOUISIANA
CAROL TOLBERT BANK OF LOUISIANA
SCOTT SELKO BANK OF MEAD
GIL DILG BANK OF MILLBROOK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
MARK LIPA BANK OF MONTGOMERY
VIRGIL WELKER BANK OF MONTICELLO
BEN SUSMAN BANK OF MOUNT HOPE
TOM LEMASTERS BANK OF NAPA N.A.
ROGER PASEKA BANK OF PRAGUE
ROXI MAIER BANK OF PRAIRIE DU SAC
STEVE PLOETZ BANK OF PRAIRIE DU SAC
CRYSTAL LAUTENBACH BANK OF PRAIRIE DU SAC
SCOTT BALL BANK OF SALEM
JOHN CASEY BANK OF SALEM
KIMBERLY OWEN BANK OF SALEM
BARBARA MEDLOCK BANK OF SALEM
TOM MARANTZ BANK OF SPRINGFIELD
MIKE PEARCE BANK OF THE WEST
CHARLES COMER BANK OF THE WEST
JIMMY COLLINS BANK OF YORK
PRESTON KENNEDY BANK OF ZACHARY
LARRY BELLARD BANK OF ZACHARY
STEVEN ARENDS BANK PLUS
BRYAN BOLDT BANKCHEROKEE
RUDOLPH LEYTZE BANKIOWA
DENISE TORFIN BANKWEST
BARBARA MCKENZIE BANTERRA
THOMAS KEATING BCB COMMUNITY BANK
MATTHEW STICKEL BCT
NICHOLAS HUENEKE BELLEVUE STATE BANK
NICOLE MARTIN BENCHMARK COMMUNITY BANK
DAVID LUDWIG BISMARCK BANK
WAYNE BECK BLUE GRASS SAVINGS BANK
DEREK OLSON BORDER STATE BANK
ANTHONY ZIMMER BRENTWOOD BANK
DAVID STEEN BRIDGE COMMUNITY BANK
KEVIN DRISCOLL BRIDGE COMMUNITY BANK
JOHN BEAN BRIMFIELD BANK
TANYA COWAN BUENA VISTA NATIONAL BANK
MARY SULSER BUENA VISTA NATIONAL BANK
DANIEL MILLER BUENA VISTA NATIONAL BANK
BRUCE LUTHY BUENA VISTA NATIONAL BANK
BETH ZAPPA BUENA VISTA NATIONAL BANK
CHARLES TAYLOR C&G SAVINGS BANK
JOHN BARANOWSKI CALUMET COUNTY BANK
ROY SCHWARTZ CAMPBELL COUNTY BANK
EARL MEHLHAFF CAMPBELL COUNTY BANK INC.
LEO BERGERON CAPE ANN SAVINGS BANK
THOMAS LOBOSCO CAPIAL BANK OF NEW JERSEY
MARK GONZALES CAPITAL CITY BANK
JENNIFER DEACON CARDINAL BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
WILLIAM O'CONNOR CARDINAL BANK
KENDALL STEWART CAROLINA PREMIER BANK
STEVEN HOOG CASTOVILLE STATE BANK
MIKE WIMER CATTARAUGUS COUNTY BANK
GEORGE RAY CBC HOLDING CO.
DONALD MARTINEZ CENBANK
ALAN RENFROE CENDERA BANK N.A.
KEVIN MALONE CENTENNIAL BANK
AL LIESTMAN CENTER NATIONAL BANK
MARK BRAUCH CENTER NATIONAL BANK
KAREN ZIMMER CENTER NATIONAL BANK
MATT LUCE CENTERPOINTE BANK
REBECA ROMERO RAINEY CENTINAL BANK OF TAOS
DONNIE GEAN CENTRAL BANK
JAMES FORD CENTRAL VALLEY COMMUNITY BANK
DANIEL JACUZZI CENTURY 21 SELECT INC.
JAMES PROVINE CFSB
CURT KOLLAR CHARTER FINANCIAL CORPORATION
BETTY SUE HIBDON CITIZENS BANK
WALTER BIRDWELL CITIZENS BANK
TODD AUSTIN CITIZENS BANK
SAMMY YORK CITIZENS BANK
RYAN GERSTENSCHLAGER CITIZENS BANK
DON BARBER CITIZENS BANK
MELVIN JORDAN CITIZENS BANK
MARK SOSSAMAN CITIZENS BANK
DAVID STYRA CITIZENS BANK
JAMEY SMITH CITIZENS BANK
MICHAEL ALRED CITIZENS BANK & TRUST
TERRI WADDELL CITIZENS BANK & TRUST
MIKE BOREN CITIZENS BANK & TRUST CO.
KENT CARRUTHERS CITIZENS BANK OF CLOVIS
TRES LIBBY CITIZENS BANK OF LAS CRUCES
WILLIAM THOMPSON CITIZENS NATIONAL BANK
SARAH HINNEBERG CITIZENS NATIONAL BANK
JAMES MASSEY CITIZENS SAVINGS BANK
FRITZ KUHLMEIER CITIZENS STATE BANK
ROCHELLE BROWN CITIZENS STATE BANK OF HAYFIELD
MATTHEW REED CITIZENS STATE BANK OF TAYLOR COUNTY
DAVID REYHER COLORADO EAST BANK & TRUST
DAVID NEWCOMER COLORADO EAST BANK & TRUST
KEVIN VOLM COMMERCE STATE BANK
TOM HOPP COMMERCE STATE BANK
TERRY LEE COMMERCIAL BANK
MOTT FORD COMMERCIAL BANK AND TRUST COMPANY
KATHY TITTLE COMMUNITY BANK
J. SCOTT SCHREMPP COMMUNITY BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
RANDAL GRANT COMMUNITY BANK
LAUREN STUMPF COMMUNITY BANK & TRUST
BOB WILLIAMS COMMUNITY BANK & TRUST
GARY PILANT COMMUNITY BANK & TRUST
STEVE HOAG COMMUNITY BANK AND TRUST
JANET SILVERIA COMMUNITY BANK OF SANTA MARIA
AILINA MAHELONA COMMUNITY BANK OF SANTA MARIA
JEFF WAGER COMMUNITY BANK OF WICHITA INC.
CAROL SHIPLEY COMMUNITY DEVELOPMENT BANK FSB
MARK VERSELLA COMMUNITY FEDERAL SAVINGS BANK
TODD MEYERS COMMUNITY FINANCIAL SERVICES BANK
MICHAEL RADCLIFFE COMMUNITY FINANCIAL SERVICES BANK
CHAD JOHNSTON COMMUNITY FIRST BANK
W. JAY CHAMBERLIN COMMUNITY FIRST BANK
ROBERT BLUME COMMUNITY FIRST BANK OF INDIANA
JO DAVID CUMMINS COMMUNITY FIRST BANK OF THE HEARTLAND
JOHN ORY COMMUNITY NATIONAL BANK
RONALD JOHNSON COMMUNITY NATIONAL BANK
MARK NELSON COMMUNITY NATIONAL BANK
BRAD BOLTON COMMUNITY SPIRIT BANK
BILLY BOLTON COMMUNITY SPIRIT BANK
KEVIN STUMBO COMMUNITY TRUST BANCORP INC.
VICKIE FASTNACHT CORNERSTONE BANK
JEFF SMITH CORTRUST BANK
DAVID DOWD CROSS COUNTY BANK
BEN WATSON CROSS KEYS BANK
MICHAEL THOMPSON CROSS KEYS BANK
JAKE MAXWELL CROSS KEYS BANK
AMANDA SMART CROSS KEYS BANK
JEFFREY WESSELS CROWN BANK
ROBERT FUNK CSB BANK
SCOTT BADLEY CSB BANK
MIKE BURKE JR. CSB BANK
MARY GEORGE CSB BANK
MEREDITH HUNT D L EVANS BANK
ROBERT WATTS D.L. EVANS BANK
CHARLES HARDIN DEDICATED COMMUNITY BANK
MARK WELCH DELTA BANK
WARREN WEGGE DELTA BANK N.A.
TIMOTHY BELSTRA DEMOTTE STATE BANK
RUSSELL MILLER ELDERTON STATE BANK
JEFF SPITZACK ELYISAN BANK
JACK POULSEN ERICSON STATE BANK
MIKE SIKES ESB FINANCIAL
JIM MCCUTCHIN ESCAMBIA COUNTY BANK
JAMES THOMAS EVB
SANDRA WILLIS EXCHANGE STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
GREG SAVILLE F&M BANK
BRENDA BOURQUE FAMILY FEDERAL SAVINGS
RHONDA BARTEL FARMERS & MERCHANTS BANK
PETER REICHARDT FARMERS & MERCHANTS BANK
APRIL LUECK FARMERS & MERCHANTS BANK
ROBERT FRICKE FARMERS & MERCHANTS BANK OF ASHLAND
TODD GRAHAM FARMERS & MERCHANTS STATE BANK
RANDALL BOBHOLZ FARMERS & MERCHANTS UNION BANK
STANLEY TUCKER FARMERS AND MERCHANTS BANK
PAUL KUJAWA FARMERS AND MERCHANTS BANK
LEE ANN KRISELL FARMERS AND MERCHANTS BANK
ALLAN BERUBE FARMERS AND MERCHANTS STATE BANK
GORDON RUSKELL FARMERS AND MERCHANTS STATE BANK OF ALPHA
SHAWN FOSTER FARMERS AND MERCHANTS STATE BANK OF ALPHA
CONI BOLTON FARMERS BANK
GENE NEIGHBOR FARMERS STATE BANK
LAINE LAZERS FARMERS STATE BANK
GLENN KNOLHOFF FARMERS STATE BANK OF HOFFMAN
DONALD VOLKMAN FARMERS STATE BANK OF WAUPACA
JAMIE COLLIER FEDERATION BANK
HANNI HERNANDEZ FEDERATION BANK
RICK HOFER FEDERATION BANK
KENT KARNES FEDERATION BANK
LOIS PLANK FEDERATION BANK
ANGELA SMITH FIDELITY NATIONAL BANK
RICHARD ELBE FIDELITY SAVINGS BANK
JOSEPH SLEMMER II FIDELITY SAVINGS OF BUCKS COUNTY
JERRY COOKSEY FIRST ADVANTAGE BANK
JON CLOUSER FIRST ADVANTAGE BANK
MELANIE COOLEY FIRST ALLIANCE BANK
CHARLES B. HAMMETT FIRST AMERICAN BANK
JOHN MALMBERG FIRST AMERICAN BANK N.A.
LUGIE BROWN FIRST AMERICAN NATIONAL BANK
DEBORAH VAN SICKLE FIRST BANK
JAMES W. COVINGTON FIRST BANK
GWEN EASTER FIRST BANK & TRUST CO.
BILL ROSENAU FIRST BANK BLUE EARTH
CONNER GRUPE FIRST BANK BLUE EARTH
CHAD THOMAS FIRST BANK OF ALABAMA
BRADLEY DAVIS FIRST BANK OF TENNESSEE
JEFFREY GRIBBEN FIRST CITIZENS NATIONAL BANK
WILLIAM TINSLEY FIRST CITY BANK
TODD HARPER FIRST COMMERCIAL BANK N.A.
SAMUEL WATERS FIRST COMMUNITY BANK
GREG OHLENDORF FIRST COMMUNITY BANK AND TRUST
CANDACE ELLINGTON FIRST COMMUNITY BANK OF HILLSBORO
BRUCE KIMBELL FIRST COMMUNITY BANK OF THE HEARTLAND
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
JOHN HEWKIN FIRST COMMUNITY NATIONAL BANK
JASON MEYERHOEFFER FIRST FEDERAL BANK
JOSEPH GARBER FIRST FEDERAL OF NORTHERN MICHIGAN
MICHAEL MAHLER FIRST FEDERAL OF NORTHERN MICHIGAN
EILEEN BUDNICK FIRST FEDERAL OF NORTHERN MICHIGAN
MICHAEL SHAPER FIRST FEDERAL SAVINGS & LOAN ASSOCIATION
MICHAEL SUTHERS FIRST FEDERAL SAVINGS BANK
KIRBY KING FIRST FEDERAL SAVINGS BANK
MAX K. MATHEWS FIRST FEDERAL SAVINGS BANK
JIM THOMPSON FIRST FEDERAL SAVINGS BANK
DOUGLAS MCCLURE FIRST FLO CORPORATION
CHRIS FREDERICK FIRST HARRISON BANK
MARK ROBERTSON FIRST IOWA STATE BANK
LARRY THOMPSON FIRST MONTANA BANK
SUSAN PANCAKE FIRST NATIONAL BANK
GLEN DAVIS FIRST NATIONAL BANK & TRUST
ROBERT HENDRIX FIRST NATIONAL BANK AND TRUST
BYRON MAYNES FIRST NATIONAL BANK CORTEZ
WILLIAM WENTE FIRST NATIONAL BANK IN NEW BREMEN
BRIAN URY FIRST NATIONAL BANK IN STAUNTON
CONNIE PRITCHETT FIRST NATIONAL BANK IN STAUNTON
SHANNON SCHEFFEL FIRST NATIONAL BANK IN STAUNTON
TRACY PEPPER FIRST NATIONAL BANK LAS ANIMAS
THOMAS CAMPBELL FIRST NATIONAL BANK OF ABSECON
ERIC GAUPP FIRST NATIONAL BANK OF ABSECON
ERIN RUSSELL FIRST NATIONAL BANK OF BURLESON
ALDEN BUERGE FIRST NATIONAL BANK OF CLINTON MO
KENT HOUSTON FIRST NATIONAL BANK OF COKATO
R. SCOTT CAMPBELL FIRST NATIONAL BANK OF FREDERICK
ALAN CHRISTOPHER FIRST NATIONAL BANK OF GROTON
GARY SMITH FIRST NATIONAL BANK OF GROTON NY
WADE EASLEY FIRST NATIONAL BANK OF HEREFORD
RYAN JONES FIRST NATIONAL BANK OF JOHNSON
DALE LEIGHTY FIRST NATIONAL BANK OF LAS ANIMAS
BRYAN SIMMONS FIRST NATIONAL BANK OF LAS ANIMAS
GARRETT GODFREY FIRST NATIONAL BANK OF LAS ANIMAS
KEN ELMORE FIRST NATIONAL BANK OF LITCHFIELD
JOE TAPP FIRST NATIONAL BANK OF MILACA
BRIAN HUGHES FIRST NATIONAL BANK OF NEWTOWN
TIM MATTSON FIRST NATIONAL BANK OF NORWAY
TODD MASON FIRST NATIONAL BANK OF PANDORA
NITA CRAWFORD FIRST NATIONAL BANK OF PANDORA
JEN VASTANO FIRST NATIONAL BANK OF PANDORA
BRENDON MATTHEWS FIRST NATIONAL BANK OF PANDORA
LARRY HOFFMAN FIRST NATIONAL BANK OF PANDORA
MATTHEW RUSSELL FIRST NATIONAL BANK OF RIVER FALLS
JAMES NORTH FIRST NATIONAL BANK OF ST. IGNACE
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
WILLIAM VOGT FIRST NATIONAL BANK IN STAUNTON
ANGELA LUKETICH FIRST NATIONAL BANK IN STAUNTON
THOMAS BROECKLING FIRST NATIONAL BANK OF STEELEVILLE
REID MOLZEN FIRST NATIONAL BANK OF SULLIVAN
LEE HAGGARD FIRST NATIONAL BANK OF TRINITY
ROBERT POSEY FIRST NATIONAL BANK ROTAN
DENNIS NYBAKKEN FIRST NATIONAL COMMUNITY BANK
SHERI SODERQUIST FIRST NATIONAL COMMUNITY BANK
ROBERT MCBRIDE FIRST NORTHERN BANK OF WYOMING
JEFF KOSKI FIRST SECURITY BANK
JOHN THOMPSON FIRST SENTINEL BANK
CHRISTOPHER SKAALEN FIRST SOUTHEAST BANK
WILLIAM HUGHES FIRST SOUTHERN BANK
MIKE ELLENBURG FIRST SOUTHERN STATE BANK
SCOTT KIRK FIRST SOUTHERN STATE BANK
MICHAEL DURHAM FIRST SOUTHERN STATE BANK
GREG ROSSER FIRST SOUTHERN STATE BANK
JEFF SMITH FIRST SOUTHERN STATE BANK
JED LOCKRIDGE FIRST SOUTHERN STATE BANK
KYLE EDMONDS FIRST SOUTHERN STATE BANK
CHARLES MCCLATCHY FIRST STATE BANK
TANYA MILLS FIRST STATE BANK
RON BRAZIL FIRST STATE BANK
ALAN HOWARD FIRST STATE BANK
MICHAEL SEALE FIRST STATE BANK
REBECCA MOIR FIRST STATE BANK
CHRISTIE WHITE FIRST STATE BANK
VIC SMITH FIRST STATE BANK OF DE QUEEN
DAVID SCHLITTER FIRST STATE BANK OF FOUNTAIN
DEE BAERTSCH FIRST STATE BANK OF GOLVA
WALTER JOHNSON FIRST STATE BANK OF HEALY
KIM PRAEUNER FIRST STATE BANK OF NEWCASTLE
MARY JO GRISMER FIRST STATE BANK OF ROSCOE
LOREN BESTE FIRST STATE BANK OF SAUK CENTRE
MARK ZARUBA FIRST STATE BANK OF WYOMING
NATHAN WILNER FIRST STATE BANK OF WYOMING
JAMES FRIEND FIRST STATE BANK OF WYOMING
GREG ALLEN FIRST STATE COMMUNITY BANK
KEVIN BOREN FIRST STATE COMMUNITY BANK
JOHN DENKLER FIRST STATE COMMUNITY BANK
KELLY LEGAN FIRST STATE COMMUNITY BANK
GAIL WOODS FIRST STATE COMMUNITY BANK
SEPTEMBER BENNETT FIRST STATE COMMUNITY BANK
JAMIE INMAN FIRST STATE COMMUNITY BANK
SCOTT BRECKENKAMP FIRST STATE COMMUNITY BANK
TIFFANY HICKMAN FIRST STATE COMMUNITY BANK
DIANE SUTTON FIRST STATE COMMUNITY BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
DONALD THOMPSON FIRST STATE COMMUNITY BANK POTOSI
CORRINE CLARK FIRST UTAH BANK
KATHLEEN HESS FIRST WESTROADS BANK
CARLTON DEVAUGHN FIRSTSTATE BANK
DAVID FRANKLIN FIRSTSTATE BANK
DONALD BERNSTEEL FLEETWOOD BANK
LINDA LEAK FLORA BANK & TRUST
TRAE RUGE FMB BANK
TRAVIS DELAPLAIN FNB BANK INC.
WILLIAM CROAK FNB COMMUNITY BANK
JOHN CROAK FNB COMMUNITY BANK
JIM SEGERSTROM FNB COMMUNITY BANK
JEFF D. ARVIN FNB COMMUNITY BANK
JENNIFER JAMES FNB OF CENTRAL ALABAMA
BILL MERRITT FNBB CAPITAL MARKETS
BARRY HANSEN FOUR CORNERS COMMUNITY BANK
ZEB VOGENTHALER FOUR CORNERS COMMUNITY BANK
CHARVEY SPENCER FRANDSEN BANK & TRUST
HARLAN HELGREN FRANDSEN BANK & TRUST
TAM HOWIE FRANDSEN BANK & TRUST
JAMES KRAFT FRANDSEN BANK & TRUST
JAMUS MCGINNITY FRANDSEN BANK & TRUST
RICK RISBERG FRANDSEN BANK & TRUST
SHARON MARKS FRANDSEN BANK & TRUST
KAREN BREKKE FRANDSEN BANK & TRUST
STACY LARSON FRANDSEN BANK & TRUST
JASON RANTANEN FRANDSEN BANK & TRUST
KIM ANDERSON FRANDSEN BANK & TRUST
BRANDON HEIDER FRANDSEN BANK & TRUST
COREY BERUBE FRANDSEN BANK & TRUST
KYLE JOHANSEN FRANDSEN BANK & TRUST
CHARLOTTE KODADA FRANDSEN BANK & TRUST
IRENE ABELS FRANDSEN BANK & TRUST
DORENE TAUTGES FRANDSEN BANK & TRUST
MICHAEL SCHWARTZ FRANDSEN BANK & TRUST
RANDY SCHROEDER FRANDSEN BANK & TRUST
TOM OMERZA FRANDSEN BANK & TRUST
DARRIN DAVIS FRANDSEN BANK AND TRUST
AMY HAGMAN FRANDSEN FINANCIAL
DAVID BUGGELN FRANDSEN FINANCIAL CORP
RICHARD HOBAN FRANDSEN FINANCIAL CORPORATION
BRUCE FERDEN FRANDSEN FINANCIAL CORPORATION
ANTHONY CREA FRANDSEN FINANCIAL CORPORATION
LISA A. CORMICAN FRANDSEN FINANCIAL CORPORATION
CHUCK MAUSBACH FRANDSEN FINANCIAL CORPORATION
RANDY MOREHART FRANDSEN FINANCIAL CORPORATION
LON KELLING FRANDSEN FINANCIAL CORPORATION
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
WILLIAM TALLEY FREDERICK COUNTY BANK
DON BENNETT FREEDOM BANK
TUCKER LONGABACH GATEWAY BANK OF FLORIDA
ALLEN BREWER GATEWAY COMMUNITY BANK
JEFF VOHS GATEWAY COMMUNITY BANK
JESSICA SCHRADER GATEWAY COMMUNITY BANK
SHELLEY TAFEL GENERATIONS BANK
LARRY WINUM GLENWOOD STATE BANK
EVAN KOOIKER GNB BANK
MARGARET NIGHTENGALE GRANT COUNTY BANK
RON REED GRAPELAND STATE BANK
MICHELLE ROWLAND GREAT SOUTHERN BANK
STEVEN COOKSEY GREAT SOUTHERN BANK
FRANK BROWN GREATER COMMUNITY BANK
MARCIE LAFOLLETTE GREENEVILLE FEDERAL BANK
REBECCA TIPTON GREENEVILLE FEDERAL BANK
CHARLES FISHER GREENEVILLE FEDERAL BANK FSB
ROBERT FANDREY GREENLEAF WAYSIDE BANK
KENT JAMES GREENVILLE NATIONAL BANK
MICHAEL BOYER GREENVILLE NATIONAL BANK
DAVID ERNST GREENVILLE NATIONAL BANK
CHRISTOPHER LINDELL GUARANTY BANK & TRUST
J. WADE O'NEAL III GUARANTY BANK & TRUST CO.
G. SCOTT MCCOMB HEARTLAND BANK
KEVIN PARDE HEARTLAND BANK
ED RARICK HIGH PLAINS BANK
JIM MILLAN HNB NATIONAL BANK
MIKE SMITHERS HOME FEDERAL BANK CORPORATION
STEVEN SLACK HOME STATE BANK
TIM GRABOW HOME TOWN BANK
BOB SOUTHWORTH HOMETOWN BANK
DAVID HOLZER HOMETOWN BANK
JEREMY FRANK HOMETOWN BANK
JOHN S. KUSNERIK HOMETOWN BANK
JENNIFER MATTHEWS HOMETOWN BANK
DEREK KETCHO HOMETOWN BANK
BRANDON ROGERS HOMETOWN BANK
JOE SCHULTE HOMETOWN BANK
CANDY TEMPLE HOMETOWN BANK
DEAN TOFT HOMETOWN BANK
DOUGLAS SCHWEIM HOMETOWN BANK
JIMMY RASMUSSEN HOMETOWN BANK N.A.
CESAR HERNANDEZ HOMETOWN BANK N.A.
SHARON HANSEN HOMETOWN BANK N.A.
CHAD DUDLEY HOMETOWN BANK OF ALVIN
SCOTT ASIMAKIS HOMETOWN BANK OF FRIENDSWOOD
BRADLEY MONTS HOOSIER HEARTLAND STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
CHARLES AVANT HORIZON BANK
JEFF LOOMIS HURON COMMUNITY BANK
BRANDY SHAMROCK ICBA
KURT GUSTAVEL IDAHO INDEPENDENT BANK
MATT WERTHEIMER INDEPENDENCE BANK
MARSHALL MACKAY INDEPENDENT COMMUNITY BANKERS OF MINNESOTA
CHARLES ROBASSE INTEGRITY BANK PLUS
BRUCE POMEROY INTERNATIONAL BANK OF AMHERST
VICTOR HRESCAK INVESTMENT SAVINGS BANK
VALERIE SPINDLER INVESTORS COMMUNITY BANK
MARY ELLEN JAYNES JACKSON COUNTY BANK
MIRANDA MORENO JAMES POLK STONE COMMUNITY BANK
RICHARD BRADFUTE JAMES POLK STONE COMMUNITY BANK
KATHIE HERRING JAMES POLK STONE COMMUNITY BANK
PAM WALLACE JONAH BANK OF WYOMING
LINDA DAVIS JP STONE COMMUNITY BANK
LUPE LOVING JP STONE COMMUNITY BANK
DAVID HINCK KCB BANK
CAMERON MILES KEYSTONE SAVINGS BANK
JOSEPH R. ZAFFINO LADYSMITH FEDERAL SAVINGS & LOAN
MARY JO NIXON LAKE OSCEOLA STATE BANK
DIANA HIPSHIER LAKE OSCEOLA STATE BANK
BRADLEY TAYLOR LAKE OSCEOLA STATE BANK
CLARK VOLLAN LAKE REGION BANK
KEVIN RUECKERT LAKE REGION BANK
MICHAEL MALONE LAKE REGION BANK
JOHN KIRWIN LAKE-OSCEOLA STATE BANK
MORGAN HARMISON LAKESIDE BANK
TAMMY MARTEN LEAD BANK
STEVEN FOPMA LEIGHTON STATE BANK
LANETTE PHILLIPS LIBERTY BANK
JOHN HERRING LIBERTY BELL BANK
MILES GASTON LIBERTYVILLE SAVINGS BANK
MATTHEW WRIGHT LINCOLN COUNTY BANCORP
SCOTT HUFTY LINCOLN COUNTY BANCORP INC.
ADRIAN JOHNSON LINCOLN SAVINGS BANK
ROBERT TAYLOR LOUISIANA BANKERS ASSOCIATION
BARBARA GIBBS M&P INSURANCE AND INVESTMENT SERVICES INC.
RADFORD WEST MACON BANK AND TRUST COMPANY
RON SHETTLESWORTH MAIN BANK
JOSEPH R. SIMMENS MAINSTREET BANK
SHELLY BROOKS MAYVILLE STATE BANK
JOHN VATER MCFARLAND STATE BANK
MELISSA FOLLETT MECHANICS BANK
DONALD VOLKMAN MEGA BANK
JAMES W. SCHNAIDT MENNO STATE BANK
DAVID BENDER MENNO STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
JORDAN SCHNAIDT MENNO STATE BANK
MARTHA EDWARDS MERCHANTS & PLANTERS BANK
PAUL DICKSON MERCHANTS & PLANTERS BANK
RANDY RAMSEY MERCHANTS & PLANTERS BANK
JIM GOWAN SR. MERCHANTS & PLANTERS COMMUNITY BANCSHARES
LACI BRIDGER MERCHANTS & PLANTERS COMMUNITY BANCSHARES
JIM GOWAN JR. MERCHANTS AND PLANTERS BANK
SHERRY JONES MERCHANTS AND PLANTERS BANK
JERRY HENDERSON MERCHANTS AND PLANTERS BANK
ELIZABETH CANARD MERCHANTS AND PLANTERS BANK
RESSA DIX MERCHANTS AND PLANTERS BANK
FERNITA ROBINSON MERCHANTS AND PLANTERS BANK
BETH BRECKENRIDGE MERCHANTS AND PLANTERS BANK
CHRIS KOERBEL MERCHANTS AND PLANTERS BANK
AMY CLEAVER MERCHANTS AND PLANTERS BANK
MARIAN HOCKADAY MERCHANTS AND PLANTERS BANK
TARA SALINAS MERCHANTS AND PLANTERS BANK
STACY WAGNER MERCHANTS AND PLANTERS BANK
LEE CONDITT MERCHANTS AND PLANTERS BANK
PAT DAVIS MERCHANTS AND PLANTERS BANK
TRISTAN RUDD MERCHANTS AND PLANTERS BANK
THELMA WELCH MERCHANTS AND PLANTERS BANK
EMILY HOFER MERCHANTS STATE BANK
MARK EMLEY MERIT BANK
SCOTT BUERGE METZ BANKING COMPANY
RONALD LANG MIDLAND NATIONAL BANK
TROY CLOUTIER MIDSOUTH BANK
PAUL LOVELACE MIDSTATE COMMUNITY BANK
LINDA PSILLAKIS MILLINGTON BANK
TONY PEGUES MINEOLA COMMUNITY BANK SSB
TOM SCREEDEN MINNESOTA LAKES BANK
SHARON COLLINS MISSISSIPPI COUNTY SAVINGS & LOAN ASSN.
JOE WACHTEL MONITOR BANK
JAMES BROWN MONTANA INDEPENDENT BANKERS
DALE TLUSTOSCH MONTANA STATE BANK
DONALD HARTMANN MONTEREY COUNTY BANK
JACOB BEYDLER MORGAN FEDERAL BANK
JAMES BERRYHILL MORGAN FEDERAL BANK
CHERYL Y. THOMAS MORRIS BANK
KIRBY DUNCAN MOUNTAIN PACIFIC BANK
DAVID DURHAM MT. MCKINLEY BANK
ROBERT WEINZAPFEL MUENSTER STATE BANK
ED ROBERTSON MYBANK
PERRY WILSON NEVADA BANK & TRUST
JOSEPH JULIUS NEW MARKET BANK
RICH MOLDENHAUER NEW MARKET BANK
JASON HIGHDUCH NEW TRIPOLI BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
DAVID HUNSICKER NEW TRIPOLI BANK
CHIP VOSS NEWFIRST NATIONAL BANK
MICHAEL DEMPSEY NORTH ALABAMA BANK
DAVID WARD NORTH CENTRAL BANK
KIM MCKEE NORTH CENTRAL BANK
TERRY JUDD NORTH CENTRAL BANK
MARK MANGANO NORTHERN HANCOCK BANK & TRUST
GREGORY NISKA NORTHERN STATE BANK OF VIRGINIA
WILLIAM JACOB NORTHFIELD BANK
GERALD JACOBSON NORTHWESTERN BANK
JESSICA KOCHLI OAK VIEW NATIONAL BANK
BRITTANY ECKERT OAK VIEW NATIONAL BANK
MICHAEL EWING OAK VIEW NATIONAL BANK
RICHARD MONAHAN OAK VIEW NATIONAL BANK
DAVID MEADOWS OAK VIEW NATIONAL BANK
ROBERT LAIRD ONE AMERICAN BANK
PETE JOHNSON OPPORTUNITY BANK OF MONTANA
KATEY WIBBENMEYER OSGOOD STATE BANK
RICK TATUM OZONA NATIONAL BANK
RUSSELL LAFFITTE PALMETTO STATE BANK
HENRY LAFFITTE PALMETTO STATE BANK
PETER LIPARI PATTERSON STATE BANK
JOYE HUNT PBK BANK
ANDREA NAPOLITANO PBK BANK
BETTY VAUGHAN PEARLAND STATE BANK
AL VERMEER PEOPLES BANK
DOUGLAS NICHOLS PEOPLES BANK & TRUST
KEVIN KELLY PEOPLES BANK MIDWEST
THOMAS WILBOURNE PEOPLES BANK OF ALABAMA
SCOTT SNYDER PEOPLES BANK OF MONITEAU COUNTY
MARIE ZABEL PEOPLES STATE BANK
ROBERT GREEN PEOPLES STATE BANK
DOUGLAS HARPER PERSONS BANKING COMPANY
THOMAS PRATHER PETEFISH SKILES & CO. BANK
JACQUELINE YOUNG PETEFISH SKILES & CO. BANK
BOB WILSON PHELPS COUNTY BANK
BRENT WOODRUFF PILGRIM BANK
BRAD LOWRY PILGRIM BANK
RICK STRUDTHOFF PILGRIM BANK
MARK VEITENHEIMER PILGRIM BANK
RODNEY BASS PILGRIM BANK
JOHN PUFFER PILOT BANK
CHARLES NELSON PINE RIVER STATE BANK
LARRIE NELSON PINE RIVER STATE BANK
CHRISTOPHER CROSBY PINE RIVER STATE BANK
RITA LAABS PINE RIVER STATE BANK
KIRSTEN EGGENA PINE RIVER STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
DANIEL LEONARD PINE RIVER STATE BANK-PILLAGER
JULIE LONGABACH PLATINUM BANK
CHRISTINE FIORILLO PLATINUM BANK
MICHELLE NETWAL PLATINUM BANK
KERRY WILSON PLUMAS BANK
JOHN WHITING PLUMAS BANK
DAVID KAISER PLUMAS BANK
SCOTT PAGE PONY EXPRESS BANK
KENT KNIEP POPLAR GROVE STATE BANK
DENNIS ECKHARDT PORT BYRON STATE BANK
GLENN DEUTSCH PRIME PACIFIC BANK
ANDREW BLACK PRINCEVILLE STATE BANK
TYRA DELWICHE PRINCEVILLE STATE BANK
AMY THORNTON PRINCEVILLE STATE BANK
J. BOGER HESSING PRINCEVILLE STATE BANK
RONALD KOPISCHKE PROFINIUM INC.
MARQUES DOPPLER PROFINIUM INC.
JEROME KOPEL PROFINIUM INC.
ANDREW JORDAN PROVIDENCE BANK
ANTHONY GABELLO PS BANK
BETTE HOWELL PS BANK
THOMAS BORNER PUTNAM BANK
CAROL FEHRLE QUAIL CREEK BANK
GLENN JOHNSON RANGE BANK N.A.
TAMMY BROWN REDWOOD CAPITAL BANK
HUGH BARTELS RELIABANK DAKOTA
ROBERT YAHNER RELIANCE BANK
HARRY FELTY RELIANCE BANK
WAYNE BYERS RESURGENS BANK
CHARLES DEWITT RESURGENS BANK
GLENDON PETERSON RIVER VALLEY BANK
JAMES FENLASON ROCKY MOUNTAIN BANK & TRUST
DOUGLAS MCCLURE ROCKY MOUNTAIN BANK AND TRUST
MARK BERARD SAINT MARTIN BANK AND TRUST COMPANY
JOSHUA RYDBERG SANBORN SAVINGS BANK
ROB WOODS SAVIBANK
MIKE CANN SAVIBANK
GUY DANA SAVINGSBANK OF MENDOCINO COUNTY
KEITH KNUDSEN SECURITY BANK
GALE HOESE SECURITY BANK & TRUST CO.
JON DAHLKE SECURITY BANK & TRUST CO.
C. TOODD THOMPSON SECURITY FEDERAL SAVINGS BANK
DEBORAH CLARYS SECURITY FIRST BANK OF ND
JIM GOETZ SECURITY FIRST BANK OF NORTH DAKOTA
CARY ANDERSON SECURITY FIRST BANK OF NORTH DAKOTA
MELISSA KOTERA SECURITY HOME BANK
LARRY NEAL SECURITY STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
AARON RISLOV SECURITY STATE BANK
GREG ISAACSON SECURITY STATE BANK OF MARINE
RODERICK HENEMAN SECURITY STATE BANK OF WARROAD
BRUCE STREICH SECURITY STATE BANK OF WARROAD
GARY BOEKELHEIDE SECURITY STATE BANK OF WARROAD
JOSEPH VITALE SENECA SAVINGS
ALLEN BELL SEVIER COUNTY BANK
MICHAEL SWANEY SEWICKLEY SAVINGS BANK
CRAIG MANN SHARON SAVINGS BANK
SHARON MOORHEAD SHARON SAVINGS BANK
FRANK DEPAOLO SHARON SAVINGS BANK
MISHELLE COMSTOCK SHELBY STATE BANK
DANA LOUCKS SOLVAY BANK
RICHARD BURCH SOUTH ATLANTIC BANK
KENNETH PICKENS SOUTH ATLANTIC BANK
NAJAM SAIDUDDIN SOUTH COUNTY BANK
ROBIN TRIMM SOUTHPOINT BANK
JOHN COLE SOUTHWEST GEORGIA BANK
JAMIE BENNETT SSBBANK
CURT WALTH STARION FINANCIAL
DON MORGAN STARION FINANCIAL
STACY HALL STARION FINANCIAL
NATHAN BILOTTE STARION FINANCIAL
TIM DOWLING STARION FINANCIAL
BRENNA OHMAN STARION FINANCIAL
NANCY LETTNER STATE BANK OF ARCADIA
KEVIN MANLEY STATE BANK OF ARCADIA
LESLIE MONGELL STATE BANK OF LIZTON
JERIMI KOPSA STATE BANK OF TOLEDO
SCOTT HOEZEE STATE SAVINGS BANK OF MANISTIQUE
BRAD WOOLARD SUCCESS BANK
ANN O'CLAIR SUGAR RIVER BANK
MARK PITKIN SUGAR RIVER BANK
KEITH HATLEY SUMNER BANK AND TRUST
PAMELA WHEELER SUNMARK COMMUNITY BANK
KEVIN HENEGHAN SUPERIOR BANK
PAUL EMBREY SYCAMORE BANK
JIM LEAR TETON BANKS
LOGAN AYERS TEXAS FINANCIAL BANK
LISA HOBBS TEXAS HERITAGE NATIONAL BANK
SERGIIO L. SAN PEDRO TEXAS REPUBLIC BANK N.A.
GARY WALTER THE BANK
ROBERT BLEYER THE BANK OF CARBONDALE
BOBBY HOWARD THE BANK OF CHARLOTTE COUNTY
THOMAS J R THE BANK OF COMMERCE
JEROMY HART THE BANK OF COMMERCE
JOHN THOMPSON THE BANK OF MISSOURI
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
STACY MEDLOCK THE BANK OF SALEM
GINA WHITE THE BANK OF SALEM
VALERIE RATHBUN THE BANK OF SALEM
DOUGLAS CHAIN THE BANK OF THE WEST
MATT JACKSON THE BANK OF THE WEST
RICHARD W. GOHRING THE CALLAWAY BANK
ANGELA WILCOXON THE CITIZENS BANK
CHRIS RODGERS THE CITIZENS BANK
DANA BAUER THE CITIZENS STATE BANK
DANIEL BOYLE THE COMMUNITY BANK
DIANE HOOPS THE CORN CITY STATE BANK
MONTE THIEBAUD THE DUBLIN NATIONAL BANK
MEGAN HARMON THE EASTERN COLORADO BANK
SHANNON CHASE THE EASTERN COLORADO BANK
MARK SNYDER THE EASTERN COLORADO BANK
BRENDA TOMES THE EASTERN COLORADO BANK
ESTEL WYRICK JR. THE EDON STATE BANK CO.
LEE DICK THE EDON STATE BANK OF EDON OHIO
DAWN TOLLEY THE FARMERS BANK OF APPOMATTOX
MARK FIELD THE FARMERS BANK OF LIBERTY
CHRISTOPHER DAVIS THE FARMERS BANK OF WILLARDS
TOM CAPOUCH THE FIRST & FARMERS BANK
ROBERT PORTEUS THE FIRST NATIONAL BANK OF DRYDEN
SAM KANA THE FIRST NATIONAL BANK OF EAGLE LAKE
STEPHEN GOBEL THE FIRST NATIONAL BANK OF GROTON
RANDY YOUNGER THE FIRST NATIONAL BANK OF HUGO
MARVIN SCHLEGEL THE FIRST NATIONAL BANK OF LAS ANIMAS LA JUNTA
JEFFREY JOHNSON THE FIRST NATIONAL BANK OF RIVER FALLS
JOHN CARTER THE FIRST STATE BANK
SAM VALLANDINGHAM THE FIRST STATE BANK
JACK DILLEY THE FIRST STATE BANK
GEORGE FORD THE GRANT COUNTY BANK
ASHLEY BURT THE GUNNISON BANK AND TRUST COMPANY
ANTHONY GRIESER THE HENRY COUNTY BANK
ELIZABETH HAZEN THE HONESDALE NATIONAL BANK
KEVIN STOVER THE JAMESTOWN STATE BANK
STEPHEN MEYERS THE MERCHANTS NATIONAL BANK
JAMES PONS THE MERCHANTS NATIONAL BANK OF SACRAMENTO
KATHLEEN FISCHER THE METAMORA STATE BANK
RYAN MESKE THE MINERS STATE BANK
BOB HARGROVE THE MURRAY BANK
MARLA GEIB THE MURRAY BANK
ANDY GRAHAM THE MURRAY BANK
BOB GLOVER THE PEOPLES BANK
JOSEPH KYLE SMITH THE PEOPLES BANK
ROBERT STOVER THE PEOPLES BANK CO.
JACK HARTINGS THE PEOPLES BANK CO.
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
ELIZABETH CAMPBELL THE PEOPLES NATIONAL BANK OF MT. PLEASANT
DAVID MCSWAIN THE STATE BANK OF WYNNEWOOD
MARK LARCHE THE STATE SAVINGS BANK OF MANISTIQUE
ANDREA SMITH THE STATE SAVINGS BANK OF MANISTIQUE
BRIAN SHERA THE TWIN VALLEY BANK
KENNETH WALTER THE WESTCHESTER BANK
A.J. KING THREE RIVERS BANK OF MONTANA
MICHELLE HILL THUMB NATIONAL BANK & TRUST CO.
DEBBIE DEERING THUMB NATIONAL BANK & TRUST CO.
DEAN BRYDON TIMBERLAND BANK
TOM LINDOW TIME FEDERAL SAVINGS BANK
R KEITH DOUGLASS TOMPKINS STATE BANK
RICK MCCRELESS TRADERS & FARMERS BANK
WILL WALKNER TRADERS & FARMERS BANK
BRET WHITESIDE TRADERS AND FARMERS BANK
REBECCA ELKINS TRUPOINT BANK
CLIFF RUBERT TWIN CITY BANK
NANCY YOUNT UNICO BANK
BLAKE PHILLIPS UNICO BANK
SCOTT SAFFOLD UNION BANK & TRUST
TIM AIKEN UNION BANK INC.
DAN HEEREN UNION STATE BANK
STEVE ZEMAN UNION STATE BANK OF WEST SALEM
TERRY DALE JOHNSON UNITED BANK
MARK FISHER UNITED COMMUNITY BANK
CONNIE HOFF UNITED FARMERS STATE BANK
KATHIE SPARKS UNITED REPUBLIC BANK
SUZANNE SALLS UNITED TEXAS BANK
LARRA AQUINO-KING UNIVERSITY BANK
STEPHEN RANZINI UNIVERSITY BANK & UNIVERSITY BANCORP INC.
RON ROSENBERG VALLEY BANK OF KALISPELL
BARBARA KIMBELL VALLEY BANK OF KALISPELL
JAMIE OLSON VALLEY BANK OF KALISPELL
JIM VANARSDALE VALLEY NATIONAL BANK BRANCH GNB
BRUCE TELLEFSON VALLEY PREMIER BANK
JERRY BEY VERSAILLES SAVINGS & LOAN COMPANY
STEVEN BAGWELL VISION BANK
CHRISTOPHER BROWNE WADENA STATE BANK
GREG HOHL WAHOO STATE BANK
JAMES WEAST WARREN-BOYNTON STATE BANK
EDWARD ERMINE WASHINGTON FINANCIAL
BRIAN SMITH WASHINGTON FINANCIAL BANK
MARK STOFFEL WELCOME STATE BANK
RONALD AGGERTT WEST CENTRAL BANK
JOSHUA WEEKLEY WEST UNION BANK
JULIE KILLIAN WHEATLAND BANK
WILLIAM KEDINGER WOLF RIVER COMMUNITY BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
KENNETH VILLEBRO WOODLANDS NATIONAL BANK
JAMES GRAHAM WOODSVILLE GUARANTY SAVINGS BANK
DOUGLAS TATE WORTHINGTON FEDERAL SAVINGS BANK FSB
ALAN WILSON WRAY STATE BANK
PJ WHARTON YAMPA VALLEY BANK
TIM BORDEN YAMPA VALLEY BANK N.A.
DARLENE RENKEN YOAKUM NATIONAL BANK
ELORINE SITKA YOAKUM NATIONAL BANK
ANDY WATERS COMMUNITY TRUST BANCORP INC.
ROBERT GADDIS SPRING HILL STATE BANK
DANNAH BROWN JP STONE COMMUNITY BANK
ALAN SHETTLESWORTH MAIN BANK
SUSAN MCNAMARA FARMER STATE BANK
RONALD COOLEY THE PATASKALA BANKING CO.
TODD PIETRUSZEWSKI SECURITY STATE BANK OF WARROAD
DUANE MANIER FIRST NATIONAL BANK OF NORWAY
TERESA MOLINA FIRST NEW MEXICO BANK
JAMES BENNETT SPRATT SAVINGS AND LOAN ASSOCIATION
JACKIE SLITER BANK OF PRAIRIE DU SAC
STEPHEN LEWIS FIRST NATIONAL BANK OF COFFEE COUNTY
KEITH SNYDER THE FARMERS STATE BANK OF WAUPACA
THOMAS RASEY THE FARMERS BANK OF APPOMATTOX
PILA MONTOYA JP STONE COMMUNITY BANK
TRACY VIRDEN JAMES POLK STONE COMMUNITY BANK
LAURA BROCKMEYER BUENA VISTA NATIONAL BANK
D. TYLER MCGUFFEY PBK BANK INC.
BRIAN LARAMORE UNICO BANK
JEFF SCHREMPP UNION BANK & TRUST COMPANY
MICHAEL JENSEN BRIGHTON BANK
JEFFREY WOLTERS THE PEOPLES BANK CO.
PAUL DOMKE HEARTLAND STATE BANK
MIKE LUDVIK STATE BANK OF BELLE PLAINE
GREGORY WILCOXON MENNO STATE BANK
CHRIS JUNDT FIRST NATIONAL BANK & TRUST OF WILLISTON
SUSAN DIEL CHARTER BANK
ALAN RUETTEN FARMERS STATE BANK
JEFF SPINDLER FARMERS STATE BANK
JOSEPH COCCARO BOGOTA SAVINGS BANK
KENT GUIDRY TRI-PARISH BANK
MICHAEL BRESNAHAN FIRST NATIONAL BANK OF MINNESOTA
PENNY BRUMMETT PBK BANK
BRUCE HANKE FIRST BANK BLUE EARTH
LISA EADLER GREENVILLE NATIONAL BANK
J. D. BOYER THE FIRST STATE BANK
JIM CLAYTON FNB OF CENTRAL ALABAMA
MICHAEL HENDRICKS THE CITIZENS BANK OF CLOVIS
KAREN SHAW THE CITIZENS BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
BETH ALLEN PBK BANK
JANDI STANFIELD THE CITIZENS BANK OF CLOVIS
CAREN EASTHAM OAK VIEW NATIONAL BANK
SAM SUTER GREENVILLE NATIONAL BANK
GIOVANNI CALABRO FIRST NATIONAL BANK OF ABSECON
GREG SHAVER THE CITIZENS BANK
KELLY DAVIS FIRST STATE BANK
JILL HILTON CITIZENS BANK
SUSAN OGILVIE THE CITIZENS BANK OF CLOVIS
ARIANNE HOLICKY FIRST NATIONAL BANK OF MINNESOTA
JOHN DORSEY FIRST NATIONAL BANK IN STAUNTON
KELLY MCSPADDEN CITIZENS BANK
KENNETH KUEHNER FIRST NATIONAL BANK OF MINNESOTA
DAVID SCHULTZ BONDUEL STATE BANK
SHERRY MARTEN GREENVILLE NATIONAL BANK
ROBER FISHER LAKE-OSCEOLA STATE BANK
PETER FRAZIER RANGE BANK
JOANNE FORSBERG OREGON PACIFIC BANK
SHERRY CROW FEDERATION BANK
JUSTIN MCFARLAND OAK VIEW NATIONAL BANK
ELLEN MILLS BANK OF THE BLUEGRASS AND TRUST COMPANY
THOMAS LESSIN FIRST NATIONAL BANK
BRAD SULLIVAN MAYVILLE STATE BANK
RAYMOND WELBORN FIRST AMERICAN BANK
JASON BAKER FIRST SECURITY BANK
MARIA HOLLOWAY BANK
BRIAN GRIESDORN GREENVILLE NATIONAL BANK
FREDA NEIE THE CITIZENS BANK OF CLOVIS TEXICO BRANCH
SONYA BRASHER CITIZENS BANK - CARTHAGE BANKING CENTER
STEPHEN VAIRO CALUMET ELECTRONICS CORP.
STEPHEN EAGER UNION BANK & TRUST COMPANY
JANET MOORE CITIZENS BANK
JIM SOUTO PS BANK
MICKEY THOMAS SOUTH LOUISIANA BANK
DAVID POKRANDT CHARTER BANK
LYNN PETERSON CORTRUST BANK N.A.
GEOFFREY FRICKE UNION BANK & TRUST
JULIE DUBOIS COMMUNITY BANK
JULIE JOHNSON UNION BANK & TRUST COMPANY
DOUGLAS KUNKLE FIRST BANK
LISA DUNAGAN THE CITIZENS BANK OF CLOVIS
MARY HENDERSON AMERICAN HEARTLAND BANK AND TRUST
ROSE PHLIPOT GREENVILLE NATIONAL BANK
KARL ALLEN UNION BANK AND TRUST COMPANY
DIANE O'CONNOR UNION BANK & TRUST COMPANY
ROCCO SERAFINI BANK OF MAGNOLIA
JESSICA SARBACKER UB&T
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
PAUL THOMPSON COUNTRY CLUB BANK
JACOB MILLIKIN MERCHANTS & PLANTERS BANK OF NEWPORT
DAVID WYTTENBACH UNION BANK & TRUST
RICHARD PHILLIPSEN FARMERS STATE BANK OF WAUPACA
TAYLOR HANCOCK JP STONE COMMUNITY BANK
JESSICA BUTENHOFF UNION BANK & TRUST COMPANY
FREDDIE BRITT COVENANT BANK
A. GEHRIG BROWN CITIZENS BANK
LARRY PETERSON FIRST NATIONAL BANK OF MOOSE LAKE
JOHN ENGELBERT FIRST STATE BANK
ALLEN WOESSNER FIRST STATE BANK OF SHANNON-POLO
PETER KENNY FIRST BANK
DWIGHT KROENKE THE FARMERS BANK OF LINCOLN
CAROLYN AINSLIE UNION BANK & TRUST COMPANY
ALICE STROBEL FIRST NATIONAL BANK OF MINNESOTA
KARLA BALL THE EASTERN COLORADO BANK
TOM RIGSBY THE CITIZENS BANK OF CLOVIS
ROBERT KOBBEMAN CAPITAL CITY BANK
JOSEPH QUINLAN III FIRST NATIONAL BANKERS BANK
MITZIE BUSSARD UNION BANK & TRUST COMPANY
ERIC GILLETT SUTTON BANK
TERESA HARTH JAMES POLK STONE COMMUNITY BANK
MIKE STRICKLAND COUNTRY CLUB BANK
GARY SCHLINKERT WEST SHORE BANK
CECELIA WEDDINGTON BANK OF GLEASON
MICHAEL NELSON GATEWAY BANK
GRADY JACOBS FIRST SOUTHERN STATE BANK
TIFFANY REITER FIRST NATIONAL BANK IN STAUNTON
JAMES MULLER FIRST NATIONAL BANK CORTEZ
MARVIN PAYNE COUNTRY CLUB BANK
TJ ROONEY SECURITY FIRST BANK OF ND
REBECKAH J. RUSSELL BANK OF MAPLE PLAIN
BRADLEY J. MCKOWN BANK OF MAPLE PLAIN
PETER F. LINDHOLM BANK OF MAPLE PLAIN
DON ENGELKE FIRST NATIONAL BANK IN STAUNTON
DAMIN ZACHO CHARTER BANK
KATHY BROWN FIRST FEDERAL OF NORTHERN MICHIGAN
DOUGLAS AXON COUNTRY CLUB BANK
CORY BENSON MONTANA STATE BANK
DOW DIDION BADGER BANK
JAY LARSEN PRIME SECURITY BANK
JENNY STEINMANN FIRST NATIONAL BANK IN STAUNTON
DENAY BROWN FIRST NATIONAL BANK IN STAUNTON
ERICK GANDRUD EAGLE BANK
LARRY ZIGLAR FIRST NATIONAL BANK IN STAUNTON
TERRY NIELSEN RACCOON VALLEY BANK
ZACHARY PARKER FIRST NATIONAL BANK IN STAUNTON
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
ERIC NEWTON FIRST STATE BANK
GLENN MCMICHAEL FIRST STATE BANK
KEVIN LEMLEY COMMUNITY BANK
SHANNON FULLER FIRST NATIONAL BANK IN STAUNTON
JAMES COX SOUTHWEST BANK
RANDOULPH TEEGARDIN HASTINGS CITY BANK
BRAD BIXLER GREENVILLE NATIONAL BANK
KEITH CREWS UNITED BANK OF UNION
SEAN DOHERTY COUNTRY CLUB BANK
SCOTT HAAKENSON UNION BANK & TRUST COMPANY
EDWARD MEGGS MADISON COUNTY COMMUNITY BANK
ROBERT SCHULTZ VALUEBANK TEXAS
MYRON GRABER FEDERATION BANK
JOHN F. MARSHALL RANGE BANK N.A.
DAVID WOODCOCK FARMERS TRUST AND SAVINGS BANK
JUTTA CODORI ST. LANDRY HOMESTEAD FSB
MATTHEW DAILY PRINCEVILLE STATE BANK
GENE MAY FIRST CHOICE BANK
TERRI KITTLE FREEDOM BANK
JO DECESARE CHARTER BANK
MICAH BEARD CITIZENS BANK
GLENN WILSON CHESAPEAKE BANK AND TRUST COMPANY
CHARLES BAGGS SYNERGY BANK SSB
COLLEEN MORITZ FIRST BANK HAMPTON
MARTIN HOWE GATEWAY COMMUNITY BANK
JOE KOSTER FNB COMMUNITY BANK
SARAH GETZLAFF SECURITY FIRST BANK OF NORTH DAKOTA
JOHN HAMBRICK CAPITAL BANK OF TEXAS
JOHN KENNEDY GREENFIELD BANKING COMPANY
PETER LAFRENIERE RANGE BANK N.A.
LEWIS FOSHEE THE PEOPLES BANK OF RED LEVEL
MICHAEL GATES BANK OF FRANKLIN
JOHN STEWART FELICIANA BANK AND TRUST CO.
JEFFRY BRASE THE EASTERN COLORADO BANK
EMILY JOHNSON UB&T
KEN FRIEDEL MEDIAPOLIS SAVINGS BANK
JEFF BACHUS SYNERGY BANK SSB
JENNIFER JOHNSTON JAMES POLK STONE COMMUNITY BANK
JAMES R. ECKERT ANCHOR STATE BANK
THOMAS GULLEDGE CITIZENS BANK
J. DOUGLAS SANDERS SYNERGY BANK SSB
HARRY P. SCHALLER THE CITIZENS FIRST NATIONAL BANK OF STORM LAKE
DARLA ROOKE JUNCTION NATIONAL BANK
JERRY HOEL THE MINERS NATIONAL BANK OF EVELETH
CHARLES GERMAN PRINCEVILLE STATE BANK
CHRISTOPHER PFENDER PEOPLES STATE BANK
WILLIAM NIEMCZURA FIDELITY SAVINGS AND LOAN OF BUCKS COUNTY
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
WALTER VOSS FIRST NATIONAL BANK & TRUST CO. CHICKASHA
DEB CULLEN UNITED COMMUNITY BANK
DANA BOCKSTAHLER BAC COMMUNITY BANK
MICHAEL HEFFREN FIRST NATIONAL BANK IN STAUNTON
BRANDON LEE UNION STATE BANK
WAYNE RICHMOND CHARTER BANK
KEVIN SEBADE MUENSTER STATE BANK
RICHARD HADLEY THE CITIZENS BANK OF CLOVIS
BRYAN CHIPPEAUX CENTURY BANK
ROBERT BARNES PRIORITYONE BANK
JOEL LAFRANCE ELYSIAN BANK
MICHAEL COTTER HERITAGE BANK
JOHN WOOD HERITAGE BANK
BRIAN LANE SECURITY SAVINGS BANK
ANDREW VALLANDINGHAM THE FIRST STATE BANK
JAY KRCMAR FARMERS STATE BANK OF WAUPACA
RANDY HARRIS THE BANK OF CLOVIS
JEFF STEIN LINCOLN STATE BANK
DEB MCWILLIAMS CLARE BANK NA
LINDA BEEVERS THE CITIZENS BANK OF CLOVIS
MICHAEL RAUH CHELSEA GROTON BANK
WILLIAM LOWE TEXAS BRAND BANK
EMILY GIRSCH LINCOLN SAVINGS BANK
JOSEPH F. KELLY HUNTINGDON VALLEY BANK
JERRY WEBSTER PILGRIM BANK
ARTHUR BARDWELL RIVER HILLS BANK
CHRISTY LAZEAR BANK OF THE WEST
TERRY MOSER ASHTON STATE BANK
DAVID RENNEGARBE FIRST NATIONAL BANK OKAWVILLE
ALBERT PARTRIDGE TRADERS AND FARMERS BANK
JACK MUENCH FIRST INDEPENDENT BANK
INGRID PHILLIPS BENCHMARK BANK
YVONNE GARCIA JAMES POLK STONE COMMUNITY BANK
CRAIG O'LEARY FARMERS & MERCHANTS BANK OF ORFORDVILLE
VICKI SALTERS ROCKWOOD BANK
CYNTHIA LINDAUER SPENCER COUNTY BANK
JAY DODDS FIRST FEDERAL SAVINGS BANK OF TWIN FALLS
ROB DIXON CITIZENS STATE BANK
JANET BARDEN UNIVERSITY BANK
BRUCE MACNAUGHTON BANK OF THE PACIFIC
JOHN ELLIOTT UNIVERSITY BANK
JOHN LOEFFLER JUNCTION NATIONAL BANK
ALLEN WITTKOPF STATE BANK OF FLORENCE
MARY WEED EASTERN COLORADO BANK
JERRY KYLE PLATINUM BANK
KEVIN BROWNE WRENTHAM CO-OPERATIVE BANK
ROBERT YOUNG FIRST KEYSTONE COMMUNITY BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
THOMAS KINSEY CHARTER BANK
JAN LOVE UNIVERSITY BANK
TERESA MARTIN UNION BANK & TRUST COMPANY
KEVIN BERNANDER BANK OF WISCONSIN DELLS
GEORGE STEINMETZ MALVERN FEDERAL SAVINGS BANK
MATTHEW KOLB GREENVILLE NATIONAL BANK
ROBERT HAGER BORDER STATE BANK
STEVEN KEETCH FIRST NATIONAL BANK
JEFF DICK MAINSTREET BANK
JAMES MODE BADGER BANK
NATHAN GARBER GREENVILLE NATIONAL BANK
KENNETH PLUNK CITIZENS BANK KILGORE
JODY LOCKHART GREENVILLE NATIONAL BANK
WILLIAM STEPHENS CITIZENS BANK
TOM NEAVES FARMERS STATE BANK
GEORGE COMEAU AMERICAN BANK & TRUST COMPANY
ANDY MILLER RIPLEY FEDERAL SAVINGS BANK
SETH WATTS VALUEBANK TEXAS
TOM KALB FIRST FEDERAL COMMUNITY BANK OF BUCYRUS
JACCI HOUTMAN THE FARMERS STATE BANK OF WAUPACA
JOHN HOLIG FIRST STATE BANK OF SWANVILLE
BROOKE DAHLQUIST LINCOLN SAVINGS BANK
KAREN WHITE RIPLEY FEDERAL SAVINGS BANK
TOMMIE SHACKELFORD HELENA NATIONAL BANK
MICHAEL LEDIN THE FARMERS BANK OF APPOMATTOX
DANIEL MORIARTY MONSON SAVINGS BANK
JACOB BUTLER PILGRIM BANK
SHANE CLAYTON FIRST CHOICE BANK
MICHAEL BILSKI NORTH AMERICAN BANKING COMPANY
ANDREW STOUTENBURGH CARDINAL BANK
DENNIS UPCHURCH CB&S BANK
CHRSITIA HUNT UNION BANK & TRUST COMPANY
KATHRYN SPEAKMAN CARDINAL BANK
BRENNAN RADER CARDINAL BANK
CHRIS SCHILDROTH LINCOLN SAVINGS BANK
DIANE WEBSTER CARDINAL BANK
ROBERT PERRYMAN FIRST STATE BANK CLUTE TEXAS
TOM BURRESS EDEN FINANCIAL CORPORATION
CECIL BATCHELOR CB&S BANK
JAMIE VAFEAS CB&S BANK
SHIRLEY CAREY CARDINAL BANK
DON PUYEAR PIONEER FEDERAL SAVINGS AND LOAN
SUSAN WILBUR UNION BANK & TRUST COMPANY
JEFFREY LEE CARDINAL BANK
JONATHAN M. COOPER CB&S BANK
JOHN ALDRIDGE CB&S BANK
MICHAEL CROWNOVER FIRST SOUTHERN STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
PRESTON WORKS CARDINAL BANK
PAM GOLDMAN CB&S BANK
DOUG MORSTAD HILLTOP NATIONAL BANK
MARK SUNDERMAN SCHERTZ BANK & TRUST
PAUL PIESCHEL FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD
JUSTIN HOF CB&S BANK
CRAIG ROBINSON CB&S BANK
JILL UHE UNION BANK & TRUST COMPANY
WILLIAM GERMAN PRINCEVILLE STATE BANK
ANTONIO HERNANDEZ AMISTAD BANK
JAMES UVEGES COLOMBO BANK
THOMAS GERRARD FIDELITY NATIONAL BANK
SHARON STAKES CARDINAL BANK
CHARLES BURNETT COVENANT BANK
KENNETH ELY PLATINUM BANK
DAN CHRISTIANSON F & M COMMUNITY BANK
JOHN GUSCIORA CARDINAL BANK
SUE PAOLI THE FIRST NATIONAL BANK OF NIAGARA
DENNIS HESKER THE FIRST NATIONAL BANK OF OKAWVILLE ILLINOIS
RICHARD WOLFE UNION SAVINGS BANK
JOHN FISHER FIRST NATIONAL BANK OF ST. IGNACE
MATTHEW WAINMAN CARDINAL BANK
FRANCIS SMITH HOMESTAR BANK & FINANCIAL GROUP
CHRIS LANEY FIRST SOUTHERN STATE BANK
EMILY RADAKER MIDDLETOWN VALLEY BANK
ANDREW PEDEN CARDINAL BANK
KIMBERLY BOWDEN CARDINAL BANK
RICHARD GAY BANK OF EASTON
DONNA AVERY CARDINAL BANK
CHERYL SETTLEMYER BEEBE CARDINAL BANK
FRANK CALLISON FIRST SOUTH BANK
ELEANOR SCHMIDT CARDINAL BANK
ANDREA MCCLANAHAN GRUNDY NATIONAL BANK
MARK WATTS THE PEOPLES BANK
BRIAN CONTINO HYPERION BANK
AUGUSTIN HART WESTERN ILLINOIS BANCSHARES INC.
JENNIFER SCHIRADO DAKOTA COMMUNITY BANK & TRUST N.A.
GARRY SMITH COMMUNITY FINANCIAL SERVICES BANK
DEBBIE HOAG FIRST NATIONAL BANK IN STAUNTON
FRANCIS J. TUOHY F & M COMMUNITY BANK OF PRESTON MN.
JESSIE SCHUNK LINCOLN SAVINGS BANK
MICHELLE POULET ST. LANDRY BANK & TRUST COMPANY
V.J. GUS BARKER COMMUNITY BANK OF OELWEIN
GREGG ROEGGE RUSHVILLE STATE BANK
KEVIN MITCHELL PEOPLES BANK
JAMES DIONISE MARS NATIONAL BANK
RICHARD KUNSCH PHOENIXVILLE FEDERAL BANK AND TRUST
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
JEAN M. MCCARRAGHER UNION BANK AND TRUST COMPANY
JERRY REXROAD CAROLINA FINANCIAL CORPORATION
RONALD ABBOTT PEOPLES BANK
KRISTIE OLSEN CACHE VALLEY BANK
LORI HASSETT PIONEER BANK
LINDA PETTY COMMUNITY SPIRIT BANK
EMILY MAYS COMMUNITY SPIRIT BANK
JIM FORTNER COMMUNITY BANK
DEDRA ANDERSSON COMMUNITY FINANCIAL SERVICES BANK
JO KOTSCHEDOFF THE BANK OF SALEM
TEX HUNT CARDINAL BANK
KARI REENTS THE EASTERN COLORADO BANK
RON HARRIDAY CARDINAL BANK
DARVIN VOGE F & M STATE BANK
ALLEN MCCLARY UBANK
KEVIN DELAUTER MIDDLETOWN VALLEY BANK
RUTH GINN COMMUNITY SPIRIT BANK
CHARRI LINDSAY COMMUNITY SPIRIT BANK
ROSS WAIT 1ST BANK YUMA
SELINA JOHNSON CARDINAL BANK
DIANE REYNOLDS CARDINAL BANK
GLENN RENKEN YOAKUM NATIONAL BANK
LYNDA LACASSE CHARTER BANK
RHONDA GRESHAM COMMUNITY SPIRIT BANK
JIM SOURS CITIZENS BANK OF CLOVIS
JAMES S. LORAH PHOENIXVILLE FEDERAL BANK & TRUST
SANDY FOX UNION STATE BANK
TODD HEWITT CARDINAL BANK
JASON SANFORD ELMIRA SAVINGS BANK
THOMAS CARR ELMIRA SAVINGS BANK
RICK JAMESON FIRST COMMUNITY BANK AND TRUST
NICOLE REDFERN FIRST NATIONAL BANK IN STAUNTON
MARY THONSGAARD FIRST STATE BANK OF LOUISE
JON JONES WASHINGTON BUSINESS BANK
BRANDY PATTERSON FIRST STATE BANK
KINNAN STOCKTON THE FIRST STATE BANK
DAVID GRIMES ROANOKE RAPIDS SAVINGS BANK
CLAY KOLLE THE FIRST STATE BANK OF LOUISE
JAY JENKINS CARLSBAD NATIONAL BANK
RICK CATT FIRST ROBINSON SAVINGS BANK N.A.
JAMES MILLER FARMERS BANK
CHUCK JOHNSTON NORTH VALLEY BANK
NORRIS A. L. ROYSTON JR. OAK VIEW NATIONAL BANK
RANDOLPH S. E. CARTER OAK VIEW NATIONAL BANK
DONALD R. YOWELL OAK VIEW NATIONAL BANK
EARL H. DOUPLE JR. OAK VIEW NATIONAL BANK
MARK J. OHRSTROM OAK VIEW NATIONAL BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
ALVIN F. HENRY OAK VIEW NATIONAL BANK
RANDALL L. WEST OAK VIEW NATIONAL BANK
SCOTT PERKINS FCNB
HANNAH WILFONG FIRST STATE COMMUNITY BANK
PAUL C. ADAMSKI THE PINERIES BANK
CATHERINE PETERSON CARDINAL BANK
CHERYL LALONE CHARLEVOIX STATE BANK
BOWEN MALEK THE FIRST STATE BANK
WILLIAM GROSECLOSE III PIONEER BANK
JAMES ESTEP CARDINAL BANK
MARK HILL FIRST ROBINSON SAVINGS BANK
JOHN RAUNER CARDINAL BANK
KATE GOECKS UNION BANK & TRUST COMPANY
W. E. HOLT FIRST ROBINSON SAVINGS BANK
EMILY SCHWICKERATH COMMUNITY BANK OF OELWEIN
JOHN HUNTER CARDINAL BANK
MARK HEWITT NORTHWOODS BANK
SHANNON BRITT FIRST COMMUNITY NATIONAL BANK
ROBERT UNDERWOOD THE BANK OF CARBONDALE
KENDAL CARSON CARDINAL BANK
SHARYL MOLINA CARDINAL BANK
RICH ZINS TRAILWEST BANK
EDWARD KERWIN 1ST BANK YUMA
STEVEN WOODARD ALDEN STATE BANK
ALAN RHUDY COMMUNITY SPIRIT BANK
JEFF NUNN CITIZENS BANK
SPENCER LESLIE FIRST STATE BANK OF LOUISE
RICK GOEDERT 1ST STATE BANK
JANNIS LAIRD CITIZENS BANK
JULIE MONTOYA CITIZENS BANK
MIKE MONTGOMERY COMMUNITY SPIRIT BANK
KELLY JONES COMMUNITY SPIRIT BANK
REX BOSTWICK CITIZENS BANK
ANITA IRBY CITIZENS BANK
JENNIFER ASHBY CITIZENS BANK
MARK HARRELL CNB BANK
NEILSON DAVIS FARMERS STATE BANK
ED ROLLINS BANK OF EASTERN OREGON
MARCUS SCARBOROUGH CITIZENS BANK
STEPHEN SHERRIL CITIZENS BANK
BLAKE HEID FIRST OPTION BANK
MAUREEN SMITH STEUBEN TRUST COMPANY
JAMIE SHAW CITIZENS BANK
DALE PAHLKE DAKOTA COMMUNITY BANK & TRUST
ROSE OSWALD POELS WISCONSIN BANKERS ASSOCIATION
D. J. TEDESCO CASTLE ROCK BANK
JAMES ANDERSON BANK NORTHWEST
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
SHEILA COLLINS FIRST COMMUNITY NATIONAL BANK
CHRIS JORDAN FARMERS STATE BANK
MORRIS DEFRIEND FARMERS STATE BANK
DIONE RABIDA FIRST NATIONAL BANK IN STAUNTON
TOM ORDING GREENVILLE NATIONAL BANK
TRACY MOBLEY COMMUNITY SPIRIT BANK
AMY ADKINS GRUNDY NATIONAL BANK
ANGELA FEARS FIRST NATIONAL BANK
RENEE LEOCHNER CITIZENS BANK
LEIF BERG FNB LAS ANIMAS
KRISTAL DIAZ CITIZENS BANK
CASEY REGAN PREMIER BANK MINNESOTA
PAUL RUSSOW STATE BANK OF GRAYMONT
DUANE BUSSEY SAN LUIS VALLEY FEDERAL BANK
TAMARA GURNEY MISSION VALLEY BANK
FAYE HAMERL BORDER STATE BANK
SCOTT KOPP BANK OF GALESVILLE
RANDALL R. RUCH PHOENIXVILLE FEDERAL BANK AND TRUST
ROBERT W. HEALY COUNTRY CLUB BANK
SHON DAVIS SAN LUIS VALLEY FEDERAL BANK
JORDAN GRESHAM THE FIRST STATE BANK OF LOUISE
JERI ANN PENNY FARMERS STATE BANK
ROBERT WHITE THE FIRST NATIONAL BANK OF MOUNT DORA
MATTHEW UHAN FIRST NATIONAL BANK OF GILBERT
JUNE WIETZIKOSKI FARMERS STATE BANK
MONA NEIGHBORS COMMUNITY SPIRIT BANK
DIANE PULLIN FARMERS STATE BANK
ANTHONY BERTRAND ST. LANDRY HOMESTEAD
JOHN BUSH THE FARMERS STATE BANK
BRUCE BOLAND BRAINERD SAVINGS & LOAN ASSN.
JAMIE BENZ CARDINAL BANK
DENISE PORTMANN BANK OF THE PACIFIC
BETSY PASLEY RIPLEY FEDERAL SAVINGS BANK
AMY EMSHOFF GENERATIONS BANK
CHRIS RAND FARMERS STATE BANK
MICHAEL STRAUB CARDINAL BANK
ROGER WAGNER HILLTOP NATIONAL BANK
SUSAN GROVE MIDDLETOWN VALLEY BANK
TRACY CONWAY CITIZENS BANK & TRUST COMPANY
JEFFREY ARNOLD FIRST COLUMBIA BANK & TRUST CO.
ROCHELLE WITTKOPF STATE BANK OF FLORENCE
CHARLES WITHEE THE PROVIDENT BANK
DONNA DONOVAN CITIZENS BANK
MARTHA WILSON CARDINAL BANK
STEPHEN VARCKETTE THE ANDOVER BANK
PHYLLIS HAITHCOCK COMMUNITY SPIRIT BANK
COOPER GLOVER CITIZENS BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
KRIS AUSBORN IOWA TRUST & SAVINGS BANK EMMETSBURG
TERRI THOMPSON AMERICAN EXCHANGE BANK
JONATHAN HALE CITIZENS BANK
STEVE VENNARE ANDOVER BANK
GORDON OSBERG WASHINGTON BUSINESS BANK
WILLARD BOWEN THE NORTHUMBERLAND NATIONAL BANK
KARL BARRY COMMUNITY STATE BANK OF ORBISONIA
JOHN AWALT FARMERS STATE BANK OF GROESBECK
MARTIN KAISER SPRINGS VALLEY BANK
KIRK PIERCE FRANKLIN BANK & TRUST COMPANY
DANIEL WEBER THE ANDOVER BANK
JEFFREY GRUETZMACHER ROYAL BANK
CASH CANADA CAROLINA PREMIER BANK
DONALD KOLESZAR ALLIANCE BANK
ANDREW MURR JUNCTION NATIONAL BANK
GREGORY WOOD STEUBEN TRUST COMPANY
JIM SAVEL JR. ANDOVER BANK
TED WILLIAMS TRISTAR BANK
BRIAN NICOL THE PEOPLES SAVINGS BANK
SANDY HOEHNE OSGOOD STATE BANK
JEFFREY GERHART BANK OF NEWMAN GROVE
KEVIN BULLARD WELCH STATE BANK
MARSHA BUMGARDNER THE PEOPLES SAVINGS BANK
TAMMY HOFFMAN FIRST COMMUNITY BANK AND TRUST
EILEEN SEITER ANDOVER BANK
RICK BRENNAN IOWA TRUST & SAVINGS BANK
JEFF MCCOY GREAT SOUTHERN BANK
KAREN BURGESS FIRST COMMUNITY BANK AND TRUST
PAUL T. BENNETT SOUTH BANKING COMPANY
MARK TOOMBS FIRST STATE BANK OF ROSEMOUNT
CAMERON OHLENDORF FIRST COMMUNITY BANK AND TRUST
SAMUEL E. WEIRICH III FIRST STATE BANK OF MIDDLEBURY
TODD JORGENSON FRANDSEN FINANCIAL CORPORATION
CHARLA WINDAU FIRST NATIONAL BANK IN STAUNTON
TINDLE RAMON FIRST NATIONAL BANK
AL ROSS PEOPLES BANK
TONY KNEBEL THE FIRST STATE BANK OF LOUISE
AMY MARTIN SOUTHWEST BANK
SCOTT BEUNING TRADITION CAPITAL BANK
RONALD BOWDEN IOWA-NEBRASKA STATE BANK
GERALD ERNST HORIZON COMMUNITY BANK
CASEY BARRETT TEXAS FINANCIAL BANK
ALEXANDRA BETTIUS CARDINAL BANK
BRIAN HUMPHREYS RIO BANK
HOLLI ZUEHLKE FEDERATION BANK
BRENDA WINTER NORTHSTAR BANK
JEFF WALLACE WYOMING BANK & TRUST
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
DEWEY BRYANT SOUTHWEST BANK
CRAIG LARSON STARION FINANCIAL
CHRIS COLE SOUTHWEST BANK
CHRISTIE JOSLIN THE ANDOVER BANK
JENNIFER ZIPPAY FIRST NATIONAL BANK IN STAUNTON
DONNY HOOD TRADERS AND FARMERS BANK
MARK BECHAVER SAN LUIS VALLEY FEDERAL BANK
SARAH LEWIS COMMUNITY BANK OF OELWEIN
SUE KARSTENSEN FIRST COMMUNITY BANK AND TRUST
BRANDON BERKLEY BERKLEY BANK
RICHARD BEHLS FIRST COMMUNITY BANK
ELISE BOURGEOIS MERCHANTS & MARINE BANK
DALYN ASH FARMERS STATE BANK
KATHY ARMSTRONG FARMERS STATE BANK
TAMMY SMITH FIRST STATE BANK
THOMAS SAUTTER F&M COMMUNITY BANK
GALEN CADLE THE BANK OF ELK RIVER
ALICE FRAZIER CARDINAL BANK
STEPHEN TUTEN ALMA EXCHANGE BANK & TRUST
JEANETTE O'GRADY FIRST COMMUNITY BANK AND TRUST
RHODES MCLANAHAN FIRST AMERICAND BANK & TRUST CO.
JEAN KREGER THE EASTERN COLORADO BANK
JAMES OELTJENBRUNS F&M COMMUNITY BANK
ROBERT CLEMENTS AMERICAN EXCHANGE BANK
RICHARD WILLIAMS PINELAND STATE BANK
JOE CODAY HOMEPRIDE BANK
JOSEPH CODAY HOMEPRIDE BANK
SHEILA DONNELLY AMERICAN NATIONAL BANK OF MT. PLEASANT
JOHN HARPER SUMMIT COMMUNITY BANK
THOMAS CHMELIK MAINSTREET BANK
CHRISTOPHER JOHNSTON MAINSTREET BANK
DAVID CORDINGLEY MAINSTREET BANK
THOMAS LACKEY MAINSTREET BANK
LISA MARTIN GREENVILLE NATIONAL BANK
JULIE MEIER UNION BANK & TRUST COMPANY
JOHN HAMILTON CHARLES RIVER BANK
RANDALL STREIFEL LIBERTY STATE BANK
JAMES STONER WELCH STATE BANK
SHAWN BARNHOUSE MAINSTREET BANK
GARY BROADY FRANKLIN BANK & TRUST COMPANY
DONALD PERRY METRO BANK
ROBERT VOGEL NEW MARKET BANK
MARK FOGT THE GARRETT STATE BANK
PAM MCPHAIL JUNCTION NATIONAL BANK
BRIAN SPRUNGER THE GARRETT STATE BANK
BARBARA MOELLER GARRETT STATE BANK
KAREN RAMOLA NEW MARKET BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
DAN RINGSTAD NEW MARKET BANK
STEPHEN DOMBROVSKI NEW MARKET BANK
MICHAEL TULLIS GARRETT STATE BANK
LAURA VOGEL NEW MARKET BANK
RICHARD JOHNSON MAINSTREET BANK
LEISHA LINGE FEDERATION BANK
NICOLE SQUIER FIRST COMMUNITY BANK AND TRUST
CHARLES WAGGONER FIRST COMMUNITY BANK AND TRUST
WES CONDRON AMERICA'S COMMUNITY BANK
JESS CROSS AMERICAN NATIONAL BANK
RICHARD PEARSON THE NEW MARKET BANK
JOHN VILLAS CHARTER BANK
ALYSSA JONES CITIZENS BANK
GARY CUTLER CUTLER FINANCIAL GROUP INC.
DENNIS MELLIERE BUENA VISTA NATIONAL BANK
GREGORY DECKARD STATE BANK NORTHWEST
MICHELLE WOOD UNICO BANK
VICKI WHITE YOAKUM NATIONAL BANK
LIZ ESTRADA CITIZENS BANK
MARISA MONTIEL VALUEBANK TEXAS
SCOTT HEITKAMP VALUEBANK TEXAS
MICHELLE OWENS PILGRIM BANK
MICHELLE GOFF HOMEWOOD FEDERAL SAVINGS BANK
RAY SLEPPY ELDERTON STATE BANK
PETER NELSON GLENWOOD STATE BANK
BILL HUGHES FARMERS STATE BANK GROESBECK TX
LYNNE NEEL EMBASSY BANK FOR THE LEHIGH VALLEY
JAMES KOOPMAN ROYAL BANK
GLORIA HARPEST GREENVILLE NATIONAL BANK
SAM NUNN CITIZENS BANK
PAUL BEATTIE CARDINAL BANK
WILLIAM WUBBEN APPLE RIVER STATE BANK
JOHN EVANSON DAKOTA COMMUNITY BANK & TRUST N.A.
JAMIE LANDERS LINCOLN SAVINGS BANK
DORAN CHRISTOFFELS STATE BANK OF CHANDLER
ANDREW PRATHER PETEFISH SKILES & CO. BANK
SUSAN TRIMBLE BANK OF OCEAN CITY
STEVE CAMPO AMERICAN BANK & TRUST CO INC.
CRAIG HARGENS HEARTLAND STATE BANK
DAROLD SHELTON COUNTRY CLUB BANK
JASON HOPFAUF DAKOTA COMMUNITY BANK & TRUST
JOSH BRANDT MERCHANTS AND PLANTERS BANK
JAY LUNSFORD STATE BANK NORTHWEST
JOHN VOLLMER HORIZON FINANCIAL BANK
TERRY CHRISTIAN PEOPLES BANK
DENNIS NELSON FIRST INTERNATIONAL BANK & TRUST
JO ANN MERFELD FIRST CITIZENS NATIONAL BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
SHERRY HUNT SECURITY STATE BANK OF WARROAD
TERRY AKESON COMMUNITY FIRST BANK
NATHAN WEEMS COMMUNITY FIRST BANK
GAIL DAVIDSON NEW MARKET BANK
DENNIS LONG BANK OF RANTOUL
AMANDA SCHEER CITIZENS BANK
BRENDA KLUESNER ROYAL BANK
HAROLD RAUNER CARDINAL BANK
KURT KISKER COMMUNITY FIRST BANK
JOSEPH POLACZYK NORTH AMERICAN BANKING COMPANY
RICK HAYS OPPORTUNITY BANK OF MONTANA
BRENDA L. JOHNSON CHARTER BANK
DIANE CUNNINGHAM EMBASSY BANK FOR THE LEHIGH VALLEY
DAVID HUGHES FARMERS STATE BANK
ROBERT LAVERY CARDINAL BANK
DON LUEGER COMMUNITY NATIONAL BANK
ED KENNEDY PEOPLES BANK OF COMMERCE
GARY SHARP OLD MISSION BANK
JAMES LEMON THE FRIENDSHIP STATE BANK
DEBORAH CROSSLAND R BANK
KATHRYN ROBBINS FIRST NATIONAL BANK OF TIGERTON
SHERI GEBHARDT DAKOTA COMMUNITY BANK & TRUST N.A.
CAREY STEWART TEXASBANK
PATRICK KARP WESTERN BANK OF LORDSBURG
LAWRENCE SCHMICK KEYSAVINGS BANK
CHRIS OWENS SOUTHERN MISSOURI BANK OF MARSHFIELD
KAREN WILLIAMSON THE FIRST NATIONAL BANK OF MOODY
PATRICK ROUNTREE TEXANA BANK N.A.
TAYLOR SMITH GRAND BANK OF TEXAS
DONN SCHAFER SETTLERS BANK
GEORGE MCINTYRE MERCHANTS BANK
DAVID BROWN FRANDSEN BANK AND TRUST
DAVID SCHROEDER COMMUNITY BANKERS ASSOCIATION
BRANDON BAYER MUENSTER STATE BANK
KEN WALSH RUBY VALLEY NATIONAL BANK
JOHN SCHMID GRANT COUNTY STATE BANK
DANCY SYKES GREAT SOUTHERN BANK
PAUL AIRHART THE SECURITY STATE BANK
DANNY BRYANT 1ST BANK YUMA
WILLIAM SANDIFORD FIRST ROBINSON SAVINGS BANK N.A.
TINA UNDERWOOD MERCHANTS AND PLANTERS BANK
BRUCE EDGINGTON PBK BANK INC.
CAROL SIMMONS MUENSTER STATE BANK
MARY EADES PBK BANK
STEVE KENDALL SPENCER COUNTY BANK
RANDY WEAVER DENALI STATE BANK
BECKY SUMNER PBK BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
LORI RICE PBK BANK
LINDA SHELLEY PBK BANK
JOHN ROUNTREE TEXANA BANK N.A.
JAMES GLORIOSO CLEVELAND STATE BANK
TIMOTHY THOMPSON COUNTRY CLUB BANK
JENNIFER TROPEANO EMBASSY BANK FOR THE LEHIGH VALLEY
RONNIE MILLER COMMUNITY NATIONAL BANK
GENE GILES FIRST STATE BANK & TRUST CO.
STACY ROSENBAUM JONAH BANK OF WYOMING
PETER HUCK COMMUNITY STATE BANK
SCOTT EWING FIRST PORT CITY BANK
ALBERT CHRISTMAN GUARANTY BANK AND TRUST COMPANY
DANA BATTERTON FNBC BANK
JOYCE RADCLIFF RIVERBANK
KEITH MELSON FIRST COMMUNITY BANK
DANIEL REES LEGACY STATE BANK
RONALD C. GRICE LEGACY STATE BANK
KYLE BALTZ RIVERBANK
BRICE KLUTH FIRST STATE BANK OF SHELBY
JULIE WILLIAMS RIVERBANK
TOM WELCH PIONEER FEDERAL SAVINGS AND LOAN ASSOCIATION
AMY QUARLES FIRST SECURITY BANK OF HELENA
CLEVE WITHAM RUBY VALLEY NATIONAL BANK
KENNY MARTIN FIRST BANK LINCOLN/CITIZENS ALLIANCE BANK
RALPH BURCHIANTI COMMUNITY BANK
SHERI NICHOLSON BEARTOOTH BANK
MARTIN OLSSON EAGLE BANK
RICHARD KOTILA THE ANDOVER BANK
LINDSAY SALLEE PBK BANK INC.
JASON JONES COMMUNITY FINANCIAL SERVICES BANK
SHERICIA COOK BANK OF SALEM
NEIL BOLTON GRANITE MOUNTAIN BANK
SCOTT HEWITT NORTHWOODS BANK
STEVEN THIESEN BAC COMMUNITY BANK
BRAD BOYD COMMUNITY NATIONAL BANK
TINA BARANOWSKI YOAKUM NATIONAL BANK
JOSE RODRIGUEZ CARDINAL BANK
ROGER GUERIN SANFORD INSTITUTION FOR SAVINGS
JAMES P. CRAVEN SANBORN SAVINGS BANK
LISA ARTZ CHOICE FINANCIAL
RANDALL MCCAULEY PROVIDENCE BANK OF TEXAS SSB
KELLY GONZALEZ VALULEBANK TEXAS
ROGER GILLISPIE VIRGINIA BANK & TRUST
JOSEPH LUTTER HEARTLAND STATE BANK
GARY BICKNELL CYPRESS BANK
TERRY STRAND CHOICE FINANCIAL
JEFF KRAM CHOICE FINANCIAL GROUP
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
GREGORY GOODMAN CHOICE FINANCIAL
LEROY ADAMS CHOICE FINANCIAL
KIMBERLY EUDY FIRST NATIONAL BANK-QUITAQUE TX
ERV INNINGER CHOICE FINANCIAL
RAE ANN SEIBEL STARION FINANCIAL
CHARLES CRAWFORD PRIVATE BANK OF BUCKHEAD
CHERYL FELTMAN CHOICE FINANCIAL
DAVID OWENS UNICO BANK
CARL SMITH FIRST SOUTHERN BANK
RANDALL WELCH SOUTHERN HERITAGE BANK
J. PIERCE MONKRES BANK OF DESOTO N.A.
BOYD ANDERSON PEOPLES STATE BANK OF VELVA
BRUCE BAER CHOICE FINANCIAL GROUP
PAUL DURAND ST. MARTIN BAND & TRUST CO.
RON SAMFORD METAIRIE BANK & TRUST COMPANY
THOMAS A. CATANACH MERIDIAN BANK
L. KENT CULBERTSON FIRST NATIONAL BANK AND TRUST
HAL BENEDICT HNB NATIONAL BANK
JOY SPENCER BANK OF VERNON
RUTH CHRISTOPHER CITIZENS BANK OF LAS CRUCES
MARTIN ROWE LEGENCE BANK
JON DRAKE PEOPLES BANK
DON MARTINEZ CENBANK
MICHAEL COPE THE COMMERCIAL BANK
LAURA MULLINS BANK OF LINCOLN COUNTY
KIMBERLY KLING MORGANTON SAVINGS BANK
LAURA MULLINS NORTH ALABAMA BANK
JOHN R. BEYERS FIRST STATE BANK OF ROSCOE
RODNEY MURBARGER WASHINGTON SAVINGS BANK
BARBARA SPILLER JUNCTION NATIONAL BANK
DALE SANDAHL COMMUNITY DEVELOPMENT BANK
BRANDON NORDHUS COMMUNITY NATIONAL BANK
TIM DEVITT SANBORN SAVINGS BANK
DAVID NORTON NORTHWEST BANK OF ROCKFORD
AMANDA ROBINSON BANK OF ENGLAND
CHARLIE WILLIAMS CITIZENS BANK & TRUST
MARK SIMMER CHILLICOTHE STATE BANK
ARCH LOGAN STATE CENTRAL BANK
DONNA AHLERS GENOA COMMUNITY BANK
ANDREA SWINDLER DAKOTA COMMUNITY BANK & TRUST N.A.
JUDIE DREXLER FARMERS & MERCHANTS BANK
BRENT THIEGLES CHOICE FINANCIAL
CLARK F. HUNGERFORD VININGS BANK
MICHAEL POWELL BANK OF DICKSON
JAMES KELLER NEW HORIZON BANK N.A.
DAN COUP THE FIRST NATIONAL BANK OF HOPE
LORIE WIECHART THE GARRETT STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
JAMES GHIGLIERI BACKLUND INVESTMENT CO.
JIM MADDOX FIRST COMMUNITY BANK OF EAST TENNESSEE
KRISTI ENTZI DAKOTA COMMUNITY BANK
CHUCK DIXON THE HOME SAVINGS AND LOAN COMPANY OF KENTON OH
CARL DODSON JOHN MARSHALL BANK
JASON HUME THE FARMERS AND MERCHANTS BANK
DONALD RICHARDSON BANK OF DICKSON
JAMES WAYMAN ESB FINANCIAL
SHAUNA STALOCH FIRST NATIONAL BANK & TRUST CO. OF WILLISTON
BRIAN JOHNSON CHOICE FINANCIAL GROUP
SHERI WOOD BACKLUND INVESTMENT CO.
CINDY SCHAAF DAKOTA COMMUNITY BANK & TRUST
JEAN HUFFER HOME SAVINGS & LOAN COMPANY
KENNETH JOHNSON NORTH SHORE BANK OF COMMERCE
STEPHANIE FISHER FIRST NATIONAL BANK & TRUST CO. OF WILLISTON
MATTHEW GOTTWALD NORTH SHORE BANK OF COMMERCE
JAN BRANCH CYPRESS BANK SSB
DANIEL KUBOUSHEK CITIZENS SAVINGS BANK
ARTHUR KNIFFEN BANK OF HILLSBORO
BRENDA ENCINIAS CITIZENS BANK
PAUL SYMONS SYMONS HARDWARE INC.
KIM LYONS BAC COMMUNITY BANK
RICHARD GOBELL DRAKE BANK
DON NOLAN FIRST STATE BANK
CAROL HOULE THE PROVIDENT BANK
RYAN GLISTA INDIANA FIRST SAVINGS BANK
JANE FRAEBEL BANK OF THE BLUEGRASS AND TRUST CO.
ANDIE NOONAN CITIZENS BANK
BRADLEY SWANSON PINE RIVER STATE BANK
BILL ALLEN BANK OF THE BLUEGRASS
DAVID GEIS JACKSON COUNTY BANK
BRAD KING ANSTAFF BANK
TODD RONKAINEN PINE RIVER STATE BANK
BRYAN PEELER FANNIN BANK
KARENA MILLS OSB COMMUNITY BANK
JACOB JENNIGES INTEGRITY BANK PLUS
DENNIS STUREK CEDAR SECURITY BANK
TRACI HOLMES DEL NORTE BANK
GENE GROSS DEFIANCE STATE BANK
ANDREW EVANS NEW HORIZON BANK N.A.
ROBERT WANNER BANK OF HILLSBORO
ANDREW KINSER FIRST NATIONAL BANK DUBLIN
DALE WILLIAMS PROGRESSIVE BANK
JOY KTIZAN DAKOTA COMMUNITY BANK & TRUST
ANDY MUCKLE DAKOTA COMMUNITY BANK
VICKIE SOLEMSAAS DAKOTA COMMUNITY BANK & TRUST N.A.
JOHN SNEED FMS BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
BRENDA FOSTER FIRST WESTERN BANK & TRUST
ALLEN HODO FIRST STATE BANK
MICHAEL HILL MIDDLETOWN VALLEY BANK
CHRISTY LALA TEXAS FIRST BANK
J. ANTHONY BROWN THE FARMERS STATE BANK
MICHAEL FINLEY JANESVILLE STATE BANK
DAVE EAKIN MERCER COUNTY STATE BANK
TIFFANY PITCHFORD FARMERS & MERCHANTS BANK
JUSTIN WOLBAUM DAKOTA COMMUNITY BANK & TRUST
NEIL BECKMAN GOGEBIC RANGE BANK
GLENDA MONTET MIDSOUTH BANK N.A.
DAWN STAPLES SUPERIOR SAVINGS BANK
DOUGLAS VOLK DAKOTA COMMUNITY BANK & TRUST
DICK BEHL THE FARMERS AND MERCHANTS STATE BANK
RICHARD BELSTOCK PLUMAS BANK
TERRY TAYLOR OAK BANK
BRIAN NICKLASON WOODLAND BANK
JEFF VORHIES FORT MADISON BANK & TRUST
RICHARD HUGHES TRUPOINT BANK
THOMAS WITTKOPF STATE BANK OF FLORENCE
JAMES WICKER PIKE NATIONAL BANK
LAURA BILLINGSLEY FARMERS STATE BANK
JOHN EVANS D.L. EVANS BANK
LONNIE SPRAGUE FARMERS STATE BANK
JO HELEN SPRAGUE FARMERS STATE BANK
JANICE SPRAGUE FARMERS STATE BANK
DALE SPRAGUE FARMERS STATE BANK
GEORGIA CRESPIN CITIZENS BANK
GREG LEES CITIZENS BANK
LEASHA JENNINGS CITIZENS BANK
KRISTI BAKER THE BANK OF SALEM
DONALD STEELE THE NORTHUMBERLAND NATIONAL BANK
ANNA CALORE SUPERIOR SAVINGS BANK
JERRY MORAN UNITED STATES CONGRESSMAN
ROBERT GORSUCH OAK BANK
DEL SHIMEK DAKOTA COMMUNITY BANK & TRUST
MELANEY KNIFFEN BANK OF HILLSBORO
PAUL FEELEY HOLBROOK COOPERATIVE BANK
STEPHEN GIERINGER FLEETWOOD BANK
J. BARRY HAM BANK OF CLARENDON
BYRON JORDAN FIRST STATE BANK
ROBERT WHITE WAKE FOREST FEDERAL
LES KOTERA SECURITY HOME BANK
THOMAS BAILEY BRENTWOOD BANK
DON BERNSTEEL FLEETWOOD BANK
TERRY FRYDENLUND 1ST BANK YUMA
MURRAY JOHNSON CHARTER BANK EAU CLAIRE
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
CHAD HUDSON FNBC BANK
TINA CALL FIRST NATIONAL BANK OF LIBERAL
GARRETT KISSINGER FNBC BANK
MARK HESSER PINNACLE BANCORP INC.
TRACI FLYNN HOLLADAY BANK & TRUST
ROM WILLIAMS BANK OF NEW MEXICO
ROXANNE LOWERY FIRST NATIONAL BANK IN STAUNTON
CJ HARDNOCK FIRST NATIONAL BANK IN STAUNTON
MARY DIX FNB STAUNTON
STACY SLIFKA FIRST NATIONAL BANK IN STAUNTON
ALISON HASQUIN FIRST NATIONAL BANK IN STAUNTON
WADE RUCKLE CENTRAL BANK/PINNACLE BANK
SCOTT REED COMMUNITY STATE BANK
BRAD WIECK GENOA COMMUNITY BANK
MARGERY HULL FIRST NATIONAL BANK IN STAUNTON
MARK REWERTS STATE BANK OF TOULON
TIM SUMMERS MUTUAL FEDERAL SAVINGS BANK
KEVIN BECKEMEYER LEGENCE BANK
REBEKAH GUILTNER FNBC BANK
ALYSSA HOSTO FIRST NATIONAL BANK IN STAUNTON
KRISTIN JOHNSON SUPERIOR SAVINGS BANK
SHELBY SCOTT NEW HORIZON BANK N.A.
CURT DAVIS COMMUNITY BANK OF SANTA MARIA
DANA UHLENHOPP LINCOLN SAVINGS BANK
ERIK SKOVGARD LINCOLN SAVINGS BANK
DANIEL CASTLE LINCOLN SAVINGS BANK
STERLING SIMONSON LINCOLN SAVINGS BANK
KADE HOPPENWORTH LINCOLN SAVINGS BANK
STEVE HEEREN LINCOLN SAVINGS BANK
DANIEL SCHEFFLER FRANDSEN BANK & TRUST
BRANDY WISER CITIZENS NATIONAL BANK OF LEBANON
ZACH TOMPKINS LINCOLN SAVINGS BANK
DEREK BAKER LINCOLN SAVINGS BANK
WILLIAM DOLAN LINCOLN SAVINGS BANK
DOUG PARKER LINCOLN SAVINGS BANK
ALAN SKAKESPEARE LINCOLN SAVINGS BANK
AMY FINNEY LINCOLN SAVINGS BANK
MELANIE GROENEVELD LINCOLN SAVINGS BANK
THOMAS MEWS FIRST NATIONAL COMMUNITY BANK
DAN DOWNS LINCOLN SAVINGS BANK
SCOTT SODERBERG FIRST NATIONAL COMMUNITY BANK
JOYCE DUNLAY LINCOLN SAVINGS BANK
LACI MULDER LINCOLN SAVINGS BANK
MIKE ROMEY THE CITIZENS NATIONAL BANK OF BLUFFTON
TIMOTHY WOODBRIDGE EMBASSY BANK
STEVEN LOMBARD ANDOVER BANK
CHRIS FRISCHMEYER LINCOLN SAVINGS BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
H. B. POMEROY INTERNATIONAL BANK OF AMHERST
L.J. FOLSE COASTAL COMMERCE BANK
MELISSA TARRANT FIRST NATIONAL BANK IN STAUNTON
KIRK SANDQUIST PEOPLES BANK OF DEER LODGE
JAMES BECKWITH FIVE STAR BANK
H. STEWART FITZ GIBBON III WAYNE SAVINGS COMMUNITY BANK
JOHN MILINOVICH WASHINGTON FINANCIAL BANK
PAUL HILL LEGACY BANK
LEA ANN BEUTLER LEGACY BANK
JEFF BLEES DAKOTA COMMUNITY BANK & TRUST N.A.
JOHN THOMPSON LEGACY BANK
OUIDA PECANTY DELTA BANK
SCOTT SCHREMPP BANK OF HARTIGTON
TERRI GERST LINCOLN SAVINGS BANK
JEFFREY KESSLER HEARTLAND BANK
MICHAEL LASH MONROE BANK & TRUST
KRISTA SUTER FARMERS & MERCHANTS BANK
RYAN WARNER BIPPUS STATE BANK
JANICE MACDONALD SENECA SAVINGS
HAROLD KEEN KS BANK
BRIAN VENUTI SENECA FEDERAL SAVINGS AND LOAN
GREG LATTIMORE SENECA SAVINGS
DUANE K. RAMSEY SECURITY STATE BANK SCOTT CITY KS
KATRINA RUSSO SENECA FEDERAL SAVINGS AND LOAN ASSOCIATION
TAMMY PURCELL SENECA FEDERAL SAVINGS & LOAN ASSOCIATION
ROBERT BLOODSWORTH CHESAPEAKE BANK OF MARYLAND
GEORGE SAGEER SENECA SAVINGS
JOHN GORTON THE FIRST NATIONAL BANK AND TRUST CO.
REBECCA SMITH SENECA SAVINGS
JOHN STEEN LINCOLN SAVINGS BANK
SCOTT TEWKSBURY HEARTLAND STATE BANK
EVA THOMAS PILGRIM BANK
BRYANT JOHNSON UNION BANK
DENISE NUTTALL DEMOTTE STATE BANK
LOIS BEAM FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF RAVENSWOOD
LANNY BRENNER PILGRIM BANK
GERARD PERRI ORANGE COUNTY TRUST COMPANY
ANDY JOHNSON BANK OF VERNON
WILLIAM COLE FIRST FEDERAL SAVINGS AND LOAN
PAUL JONES GLENVIEW STATE BANK
RONALD REED GRAPELAND STATE BANK
SAM BUIE MERCHANTS AND PLANTERS BANK
BRIAN M. WOOD GREENVILLE NATIONAL BANK
CHARLES R. MCCLATCHY JR. FIRST STATE BANK
FRANCINE RACE SENECA FEDERAL SAVINGS AND LOAN
STEVEN BALES JR. WEST VALLEY NATIONAL BANK
C. RONALD CHRISTMAS PALMETTO HERITAGE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
JASON KRAFT DAKOTA COMMUNITY BANK & TRUST
FRED LEWIS II NORTH SHORE BANK OF COMMERCE
PATRICIA THARPE M & P COMMUNITY BANCSHARES INC.
KATHLEEN THUMAN UNICBANC CORP.
DAVID CRADER THE BANK OF MISSOURI
DEANNA FRONEYBERGER COMMUNITY GIRST BANK OF THE HEARTLAND
DUANE MUECKE IOWA STATE BANK
KYLE THOMPSON THE BANK OF MISSOURI
STANLEY NAEGER THE BANK OF MISSOURI
AARON PANTON THE BANK OF MISSOURI
CHUCK JIVIDEN COMMUNITY FIRST BANK
BURDETTE CONNER COMMUNITY SAVINGS BANK
MARTHA ROLLET THE BANK OF MISSOURI
DAWN DAUER THE BANK OF MISSOURI
THOMAS BUXTON THE BANK OF MISSOURI
KEVIN MCCORMICK THE BANK OF MISSOURI
MICHAEL LICALI METAIRIE BANK & TRUST
PAUL GARD THE BANK OF MISSOURI
MEGAN FORGUE COMMUNITY FIRST BANK
JON HIDY COMMUNITY FIRST BANK
CURT COOK COMMUNITY FIRST BANK
JUDI TANNER FIRST FEDERAL S&L ASSOCIATION OF GREENE COUNTY
DAVID COOK THE BANK OF MISSOURI
CHAD MOORE FIRST FEDERAL SAVINGS AND LOAN OF GREENE COUNTY
SIDNEY SMITH PORT RICHMOND SAVINGS
RUSSELL CAROTHERS THE CITIZENS BANK OF WINFIELD
JEANNETTE KNEZEK YOAKUM NATIONAL BANK
COURTNEY SCHROYER FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF GREENE COUNTY
KATHLEEN TOTH FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF GREENE COUNTY
RAYMOND DEPRIEST THE BANK OF MISSOURI
TROY PETERS JONESTOWN BANK & TRUST CO.
DAVID KELLER THE BANK OF MISSOURI
BRIAN SMITH BANK OF WEDOWEE
TERRY FOSTER MCS BANK
RICHARD BAILEY FIRST NATIONAL BANK OF MICHIGAN
LON RYLANDER FIRST STATE BANK OF ASHBY
PAUL GOODPASTER THE CITIZENS BANK
C T SEGERS HERITAGE BANK
KEVIN BUHRMASTER 1ST NATIONAL BANK OF SCOTIA
LORI MOUSER THE BANK OF MISSOURI
BLAIR HESTER KS BANK INC.
PAUL NISTLER CHOICE FINANCIAL GROUP
BONNIE OESAU ALLIANCE BANK
STEVEN HOLLAND COMMUNITY BANK OF OELWEIN
JAMES MUELLER COMMUNITY BANK OF OELWEIN
BARRY BELKNAP HARVEST BANK
DANIELLE LINSIN CFSB
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
CHASE BOHANNON COMMUNITY FINANCIAL SERVICES BANK
DEE DEE ANDERSSON COMMUNITY FINANCIAL SERVICES BANK
DARLENE MILLER COMMUNITY FINANCIAL SERVICES BANK
DAVID LUDWIG ICBND SECURITY FIRST BANK OF ND
CAROLYN FLYNN COMMUNITY FINANCIAL SERVICES BANK
CATHERINE HART COMMUNITY FINANCIAL SERVICES BANK
DENISE O'NEIL CIVISTA BANK
MALLORY WINSTEAD COMMUNITY FINANCIAL SERVICES BANK
JANELLE JORDAN COMMUNITY FINANCIAL SERVICES BANK
KAREN DUCH WOLF RIVER COMMUNITY BANK
RUSS CLABORN COMMUNITY FINANCIAL SERVICES BANK
STEVE WHEELER FIRST SECURITY BANK
ALLEN WADDELL COMMUNITY FINANCIAL SERVICES BANK
RHONDA OWENS COMMUNITY FINANCIAL SERVICES BANK
RANDY HENDON CFSB
CRAIG HORSCH THE ATLANTA NATIONAL BANK
EMILY HOLLEY CFSB
JOHN SABOL SAINT CASIMIRS SAVINGS BANK
KYLE RAY FIRST BANK OF DALTON
STACIE FORTUNE BUENA VISTA NATIONAL BANK
SHERRI LOOTS FIRST NATIONAL BANK IN STAUNTON
DEWAYNE WILMORE CITIZENS BANK
JERRY C. WALKER ICBA NEW MEXICO
JASON PROVINE CFSB
DONNA EDWARDS COMMUNITY FINANCIAL SERVICES BANK
RUSTIN EGNER COMMUNITY FINANCIAL SERVICES BANK
JERRMY ROSE CFSB
KATHY PARKER CFSB
JOE HASKINS CAPITAL BANK
JEB CLARKSON PIONEER BANK & TRUST
KATHY WALL CITIZENS BANK OF CLOVIS
THOMAS SPERZEL EMPIRE STATE BANK
R. KEVIN DREW TIB
WINDOL COOK TIB
TANDY HIX TIB
TERRY HOOVER TIB
DON BRISCOE TIB
LYLE WALDEN TIB
PATRICIA BLACKSHEAR TIB
DAVID TEMPLE TIB
MICHAEL G. O'ROURKE TIB
RICK JAMIESON TIB
GREG TODD TIB
MICHAEL TURNER FIRST SENTRY BANK
CODY MYERS COMMUNITY FINANCIAL SERVICES BANK
CRAIG ZURN JIM THORPE NEIGHBORHOOD BANK
ROBERT MCCLINTOCK PLUMAS BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
MICHAEL SPIKER MONITOR BANK
GERALD FLETCHER PLUMAS BANK
JAMIE SHINABARGER SPRINGS VALLEY BANK & TRUST
DANIEL WEST PLUMAS BANK
ALVIN BLICKENSTAFF PLUMASBANCORP
WILLIAM ELLIOTT PLUMAS BANCORP
ARTHUR GROHS PLUMAS BANK
LLOYD HARRISON VIRGINIA PARTNERS BANK
PAUL BENNETT SOUTH BANKING COMPANY
CHRISTOPHER KELLY VIRGINIA PARTNERS BANK
KEVIN HOPUN VIRGINIA PARTNERS BANK
MONIKA ECKARD PENDLETON COMMUNITY BANK
LUCY HARMAN VIRGINIA PARTNERS BANK
MARK ZABACK JONAH BANK OF WYOMING
TODD HOPKINS CORTRUST BANK N.A.
BRETT BRUHN FIRST NATIONAL BANK IN STAUNTON
ERIC WILLIAMS ATLANTIC COMMUNITY BANKERS BANK
ROBERT MICKEY F&C BANK
CHASE WALLACE COMMUNITY FINANCIAL SERVICES BANK
ANTHONY WEAGLEY MALVERN FEDERAL SAVINGS BANK
MARK WHALEN NEEDHAM BANK
DWIGHT STOUT MOUNT VERNON BANK
RYAN MCKAY STARION FINANCIAL
WAYNE HOYLE FIRST FEDERAL SAVINGS BANK OF LINCOLNTON
ANTONIO BATTISTA NEEDHAM BANK
LUKE VANLANKVELT BLC COMMUNITY BANK
MARK HEUER THE AMERICAN NATIONAL BANK
DONNA OATHOUT THE AMERICAN NATIONAL BANK OF BEAVER DAM
WAYNE SCHULL ULTIMA BANK MINNESOTA
MARIE JACOBS THE AMERICAN NATIONAL BANK OF BEAVER DAM
MELISSA TEETER THE AMERICAN NATIONAL BANK
STEVEN LANG THE AMERICAN NATIONAL BANK
COURTNEY PAHLKE DAKOTA COMMUNITY BANK
JEFF CAUDLE UNION STATE BANK OF EVEREST KANSAS
SEAN GREER TRISTAR BANK
JOHN MCHARGUE PINNACLE BANK
MARK BURMIS CHELSEA STATE BANK
REBECCA HAYDEN AMERICAN NATIONAL BANK
CLAUDETTE BACON THE AMERICAN NATIONAL BANK
WALLACE KING VIRGINIA PARTNERS BANK
BEVERLY BRADLEY THE AMERICAN NATIONAL BANK
JAMIE HENNING AMERICAN NATIONAL BANK
MARK WIEBE RIVER VALLEY BANK
TERRI WALSH AMERICAN NATIONAL BANK
CHERYL HILLER 1ST NATIONAL BANK OF SCOTIA
DAVE MARLOW YOAKUM NATIONAL BANK
F. THOMAS CORNELIUS GREATER HUDSON BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
CARRIE HUTCHERSON F&C BANK
BILL KITCHEN VALLEY BUSINESS BANK
TODD WENTZ TIB
DAVID A. LINABURG TIB
BRUCE TAYLOR TIB
T. PATRICK GRAY TIB
CHUCK PHELAN TIB
JESSICA BUTCHKI SEWICKLEY SAVINGS BANK
AMBREE HERNANDEZ THE CITIZENS BANK OF CLOVIS
KEVIN M. SACKET SUNRISE BANK
JAMES R. SMAIL MONITOR BANK AND FARMERS NATIONAL BANK
LLOYD REITER FIRST STATE BANK
CRAIG RODENBERGER EPHRATA NATIONAL BANK
BRENDA STROH BANK OF SPRINGFIELD
ROBERT COCKRELL BANK OF SPRINGFIELD
DOUGLAS D. FISH BTC BANK
DAVID SARTORE FIELD & MAIN BANK
JOSEPH PEIKERT WOLF RIVER COMMUNITY BANK
GREG MARRS FIRST AMERICAN BANK
THERESA WILCOX F & C BANK
CAM ELLIOTT F & C BANK
WILLIAM LOVING PENDLETON COMMUNITY BANK
DEAN MILLER FIRST NATIONAL BANK OF BELLEVUE
FRANK GADSDEN CLOVER COMMUNITY BANK
COLLEEN BUTTERFIELD NORTHERN HANCOCK BANK & TRUST CO.
BRANDON ENGLISH F&C BANK
ANN HERDENDORF BADGER BANK
ELIZABETH DECARIA F & C BANK
JIM STUMPFF F&C BANK
DALE BAKER F&C BANK
DOUG MCCLURE FIRST FLO CORPORATION
DAVID KELEHER BADGER BANK
LINDA NORTH F&C BANK
DUSTIN HERTZOG F&C BANK
KATHLEEN KEPHART F&C BANK
JAMES GRAZIANO WEYMOUTH BANK
RICK WAGGONER FIRST COMMUNITY BANK & TRUST
DWIGHT ANSTINE F & C BANK
JEFF FLORIDA F & C BANK
STEVE KOEHN FIRST COMMUNITY BANK AND TRUST
WREY MONTGOMERY CITIZENS STATE BANK
BILL KUHL ONE AMERICAN BANK
BRENT BALOUN ONE AMERICAN BANK
MARY LAUREN BROWN BANK OF PRESCOTT
DAVID KING ONE AMERICAN BANK
JESSE KING ONE AMERICAN BANK
CHARLES PENICK PETIT JEAN STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
RANDALL MILLER FREEDOM BANK
JAY BEARDEN LEGEND BANK
J. ANTHONY GORRELL SUTTON BANK
JIM PAYNE FIRST STATE BANK & TRUST COMPANY
MICKEY FAULCONER LEGEND BANK
JAMIE LIPE FIRST STATE COMMUNITY BANK
JOHN STOBIE THREE RIVERS BANK OF MONTANA
SUSAN ENO CITIZENS NATIONAL BANK OF CHEBOYGAN
CLAIRE CHADWICK ATLANTIC STEWARDSHIP BANK
DAVID DASPIT TEXAS FIRST BANK
JEFFF GRUETZMACHER ROYAL BANK
DAVID ROZENBOOM FIRST PREMIER BANK
JOHN LENTEN RANGE BANK N.A.
BERNARD BUERGER WATCHHILL BANK
CHRISTOPHER DOYLE TEXAS FIRST BANK
ALFRED KREPS THE STATE BANK
DANIEL SCHAFFER THE FIRST NATIONAL BANK & TRUST COMPANY OF NEWTOWN
TERRY EASTWOOD FIRST BANK OF TENNESSEE
GREG NISKA NORTHERN STATE BANK OF VIRGINIA
PAMELA BERNEKING ALTERRA BANK
GARY FORD HAMLIN NATIONAL BANK
BARRY NAUDE POINTBANK
KAYREN OWEN GUARANTY BANK & TRUST CO.
STEVE STAFFORD ANSTAFF BANK
JUDITH ALFRED DEAN BANK
CRAIG UNDERHILL THE FREEDOM BANK OF VIRGINIA
CYNTHIA ATWATER DIGITAL INSURANCE INC.
MARK JORDAN CITY NATIONAL BANK
JEFF NOBLIN CITIZENS NATIONAL BANK
LEON DROUHARD THE FARMERS & MERCHANTS STATE BANK OF ARGONIA
RANDY PHELPS PEOPLES COMMUNITY BANK
DANIEL E. BURNETT FREEDOM BANK OF VIRGINIA
JOHN DANIEL VA PARTNERS BANK
RONALD HALEY RIVER COMMUNITY BANK N.A.
DAN GRAHAM FLORA BANK & TRUST
PATRICIA OWENS SUMMIT COMMUNITY BANK
GEORGE HAYTH BANK OF BOTETOURT
MARY HANDY RIVER COMMUNITY BANK N.A.
NEAL ANDERSON ANDERSON BROTHERS BANK
MIKE CURTIS PBK BANK
TIFFANY BRINKERT KALAMAZOO COUNTY STATE BANK
CONSTANCE RUSH BANK OF YAZOO CITY
WILLIAM WIEDEL CFG COMMUNITY BANK
SCOTT E. TSCHIRHART CASTROVILLE STATE BANK
RONALD FALGOUST FIRST AMERICAN BANK AND TRUST
TODD SCACCIA WALLKILL VALLEY FEDERAL SAVINGS AND LOAN ASSOCIATION
WILLIAM TAYLOR SOMERSET SAVINGS BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
BRUCE CADY LAPEER COUNTY BANK & TRUST CO.
MELVIN MCKEE CHARLES RIVER BANK
MELODIE YARNELL JACKSON COUNTY BANK
PATRICIA LECLAIRE JACKSON COUNTY BANK
DIANA SCHRADER JACKSON COUNTY BANK
BRIAN CHASTAIN JACKSON COUNTY BANK
AUSTIN SCHULTZ JACKSON COUNTY BANK
GARY DRAINVILLE LAPEER COUNTY BANK & TRUST CO.
WADE GORT PREMIER BANK
PETER BATISTONI LAPEER COUNTY BANK & TRUST CO.
JAMES DINGMAN BANKORION
RICHARD WADDELL FIRST STATE BANK OF ODEM
MICHELLE SCHAEFER JACKSON COUNTY BANK
DENNY POGUE BANK OF SALEM
MATT CRABLE TEXAS FIRST BANK
ROBERT WILLEY JR. THE FREEDOM BANK OF VIRGINIA
J. W. SCHNAIDT MENNO STATE BANK
RANDALL C. HALL MECHANICS AND FARMERS BANK
PETER MUMM MOUND CITY BANK
VALERIE HURST FREEDOM BANK
STEVEN GONZALO FIRST NATIONAL BANK OF OTTAWA
LORI MALEY BANK OF BIRD-IN-HAND
GREG NIESEN WATCH HILL BANK
SHON MYERS FARMERS & MERCHANTS BANK
FRANK SIBLEY CITIZENS BANK & TRUST
GLEN THURMAN FIRST NATIONAL BANK OF MOODY TEXAS
MICKEY SCHWARZBEK THE SHERWOOD STATE BANK
CHRIS BERGSTROM CARDINAL BANK
MARK KREBS FARMERS AND MERCHANTS BANK
ALICIA HOWARD BANK OF MISSOURI
DOUGLAS HUNT THE BANK OF MISSOURI
KENNETH ANDERSON THE BANK OF MISSOURI
DIANA DEWILDE THE BANK OF MISSOURI
JAMIE PANNIER THE BANK OF MISSOURI
DWAYNE GREEN BANK OF MISSOURI
RICHARD SCHOEN CARDINAL BANK
SUE WEBER THE BANK OF MISSOURI
RYAN DEWROCK THE BANK OF MISSOURI
AMANDA GESKE THE BANK OF MISSOURI
CHRIS CONGIARDO THE BANK OF MISSOURI
CINDY HARRIS THE BANK OF MISSOURI
PAT KAEMPFER THE BANK OF MISSOURI
MATTHEW QUINN THE BANK OF MISSOURI
HAILEY SIMMERS THE BANK OF MISSOURI
MARY DANNENMUELLER THE BANK OF MISSOURI
SHARON KLUMP THE BANK OF MISSOURI
JAY WARD THE BANK OF MISSOURI
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
BETH GUTH THE BANK OF MISSOURI
JESSIE HUGHEY THE BANK OF MISSOURI
REBEKAH SCHNURBUSCH THE BANK OF MISSOURI
SHAWN SCHLOSSER THE BANK OF MISSOURI
CARLA KUEHN THE BANK OF MISSOURI
JESSICA COON THE BANK OF MISSOURI
CONNIE DAILEY THE BANK OF MISSOURI
MICHAEL FAVRE FIRST NATIONAL BANK OF MINNESOTA
FAYE BERKBUEGLER THE BANK OF MISSOURI
MARY PINGEL THE BANK OF MISSOURI
TAMMI EARLEY THE BANK OF MISSOURI
CHARLENE FRITSCHE THE BANK OF MISSOURI
AMBER BESAND THE BANK OF MISSOURI
JANICE BURGESS THE BANK OF MISSOURI
JESSICA SCHOEN THE BANK OF MISSOURI
MARK WENDEL CARDINAL BANK
CONNIE COPELAND THE BANK OF MISSOURI
LARRY ANGLE THE BANK OF MISSOURI
NANCY ZOELLNER THE BANK OF MISSOURI
GWENDOLYN DARIN THE BANK OF MISSOURI
JANE TRAPP THE BANK OF MISSOURI
JAMES FLOWERS THE BANK OF MISSOURI
DIANE HAHN THE BANK OF MISSOURI
BARRY DOYLE BANK OF MISSOURI
DAVID CLARK CARDINAL BANK
RUTH HEISSERER THE BANK OF MISSOURI
SARAH CRUMP THE BANK OF MISSOURI
AARON GARRETT THE BANK OF MISSOURI
EMILY HALL THE BANK OF MISSOURI
DANNY FULLINGTON THE BANK OF MISSOURI
MATTHEW KALLMEYER THE BANK OF MISSOURI
MANDI COMBS THE BANK OF MISSOURI
MICK NITSCH THE BANK OF MISSOURI
RITA RATLIFF THE BANK OF MISSOURI
KRISTY LAYTON THE BANK OF MISSOURI
CONRAD GRIGGS THE BANK OF MISSOURI
MANDY ANTHES THE BANK OF MISSOURI
ANDREW MARTIN THE BANK OF MISSOURI
DUSTIN ROYSTER THE BANK OF MISSOURI
PETER CLEMENTS THE BANK OF SOUTHSIDE VIRGINIA
MARY ANN CRUMP BANK OF MISSOURI
PHIL CLINTON INSOUTH BANK
TODD WOODFIN THE BANK OF MISSOURI
ROGER PROST THE BANK OF MISSOURI
KEITH BROTHERTON THE BANK OF MISSOURI
YANERIS RANKIN THE BANK OF MISSOURI
BETH ROUSSEAU THE BANK OF MISSOURI
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
SARAH WALTER THE BANK OF MISSOURI
MATTHEW EWASKO THE BANK OF MISSOURI
RYAN WIEDMEYER THE BANK OF MISSOURI
CHELSEY GRAGG THE BANK OF MISSOURI
JANET BLANKENSHIP THE BANK OF MISSOURI
LISA STAGGS THE BANK OF MISSOURI
WILLIAM HERVEY THE BANK OF MISSOURI
NICOLE MAHNKEN THE BANK OF MISSOURI
WENDELL MUELLER THE BANK OF MISSOURI
BARRY ELSWICK TRUPOINT BANK
JAMES WREN CARDINAL BANK
TRACEY PIERCE BANK OF WISCONSIN DELLS
BRENDA CAMPBELL TRUPOINT BANK
TAMMY DEEL TRUPOINT BANK
ANDREW NARR WESTBURY BANK
CHARLENE GARRETT THE BANK OF MISSOURI
CHERYL ZIEGLER THE BANK OF MISSOURI
JUDITH A. BUCKINGHAM THE BANK OF MISSOURI
DEANNA KLINE THE BANK OF MISSOURI
MARY ROPP THE BANK OF MISSOURI
MARY WARNER THE BANK OF MISSOURI
LEN MORSE THE BANK OF MISSOURI
MARK CLARK THE BANK OF MISSOURI
CANDI GARLAND THE BANK OF MISSOURI
OLIVIA MEYER THE BANK OF MISSOURI
MARY KOENIG THE BANK OF MISSOURI
BETH HAM THE BANK OF MISSOURI
MEGAN BERKBIGLER THE BANK OF MISSOURI
TRACY PORZELT THE BANK OF MISSOURI
THOMAS VAN LIERDE CARDINAL BANK
EVELYN BURNS AMERICAN NATIONAL BANK
ANGELA BAKER BANK OF MISSOURI
GAIL STILTNER TRUPOINT BANK
DAWN OVERBY THE BANK OF MISSOURI
DEVIN BOBBETT THE BANK OF MISSOURI
SHALINI KAPUR CARDINAL BANK
MEGHAN MATTINGLY THE BANK OF MISSOURI
CHRISTINE ESTES THE BANK OF MISSOURI
JO HIGGINS THE BANK OF MISSOURI
NATASHA MOORE THE BANK OF MISSOURI
CRYSTAL MORRIS THE BANK OF MISSOURI
ERIC CLEMENTS THE BANK OF MISSOURI
MARIE APPLEBY BREIMANN TRUPOINT BANK
JUSTIN AMSCHLER THE BANK OF MISSOURI
DEREK BOXDORFER THE BANK OF MISSOURI
TRACY WALKA THE BANK OF MISSOURI
JULIA WHEATLEY THE BANK OF MISSOURI
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
BRIAN TAPP THE BANK OF MISSOURI
JOSEPH SWISSHELM THE BANK OF MISSOURI
JOHN WOODWARD TRUPOINT BANK
KRITI R. RAO CARDINAL BANK
ANAMIKA CHAUHAN CARDINAL BANK
BILLIE CROUCH CARDINAL BANK
AMBER BURTON CARDINAL BANK
SYED ALI CARDINAL BANK
NATHAN BARTLETT COMMERCIAL BANK
BETH VAUGHN BANK OF DUDLEY
ADAM FARMER TRUPOINT BANK
PHILIP MOORE THE BANK OF MISSOURI
PAT PETCHEL SHARON SAVINGS BANK
NEIL BASSI CFSBANK
JOSH BLACKMAN THE BANK OF MISSOURI
JULIE GOLL BLISSFIELD STATE BANK
CONSTANCE HEBERLIE RELIABLE COMMUNITY TITLE
BETTY LOHMANN BANK OF MISSOURI
BRENDA BARBER THE BANK OF MISSOURI
JANE MYERS THE BANK OF MISSOURI
RICHARD FOJTIK BLISSFIELD STATE BANK
TERRY BYARD CARDINAL BANK
CHRISTY BOCK THE BANK OF MISSOURI
JESSICA HILGENBRINCK THE BANK OF MISSOURI
RON WILLIAMS BANK OF NEW MEXICO
BROOKE BELCHER TRUPOINT BANK
DAVID HINKEBEIN THE BANK OF MISSOURI
CHRISTY SLACK THE BANK OF MISSOURI
MARVIN ADAMS JR. THE BANK OF MISSOURI
BRAD LEIBY CARDINAL BANK
TIMOTHY COBB THE BANK OF MISSOURI
RICHARD KUHN JIM THORPE NEIGHBORHOOD BANK
RHONDA TINKLE BANK OF MISSOUR
LAUREN HEURING THE BANK OF MISSOURI
LORIS LINCOLN THE BANK OF MISSOURI
WILLIAM DYE TRUPOINT BANK
TERESA CUNNINGHAM WILLIAMSTOWN BANK INC.
KELLY JEAN THE BANK OF MISSOURI
KIMBERLY SCHILLY BANK OF MISSOURI
AMANDA CAREY BANK OF MISSOURI
KATHLEEN MOLL THE BANK OF MISSOURI
JOHN KELLER THE BANK OF MISSOURI
JEFFREY HAERTLING THE BANK OF MISSOURI
JOSPH MATISOFF LIBERTY BELL BANK
BELINDA SHRADER TRUPOINT BANK
BENJIE FERGUSON THE BANK OF MISSOURI
MELINDA CRIGGER TRUPOINT BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
CHARLOTTE ROBERTS BANK OF MISSOURI
SCOTT HINES KALAMAZOO COUNTY STATE BANK
GAIL HUMBERT TRUPOINT BANK
TESSA DEEL TRUPOINT BANK
CATHY REIMINGER THE BANK OF MISSOURI
JENNIE BELTZ THE BANK OF MISSOURI
JOHN CRAIG HOTT FREEDOM BANK
DARLENE DORRIS THE BANK OF MISSOURI
CHRISTINA BUERCK THE BANK OF MISSOURI
KRISTEN KLAUS THE BANK OF MISSOURI
JUDITH ERNST THE BANK OF MISSOURI
TERESA HOWARD THE BANK OF MISSOURI
RENE LANDEWEE THE BANK OF MISSOURI
LINDA KAY WELLINGS FREEDOM BANK
COREY BUCHHEIT THE BANK OF MISSOURI
KIMBERLY BALDWIN BANK OF MISSOURI
ELAINA IRVIN THE BANK OF MISSOURI
MICHAEL WALLACE THE BANK OF MISSOURI
JOAN CALDWELL THE BANK OF MISSOURI
BRENNA ARNZEN THE BANK OF MISSOURI
JOYCE SOTO THE BANK OF MISSOURI
SHANNON MIESNER THE BANK OF MISSOURI
MICHELE KING THE BANK OF MISSOURI
JARED KIRBY FIRST BANK
KATHY JACKSON TRUPOINT BANK
HEATHER NOLAN BANK OF MISSOURI
KAITLYN KRAUS THE BANK OF MISSOURI
LIN LATTA FARMERS & MERCHANTS BANK
AMY DAWSON THE BANK OF MISSOURI
DAVID HENDERSON FIRST STATE BANK OF DEKALB COUNTY
MARLA BARBER THE BANK OF MISSOURI
JESSICA BOSWELL THE BANK OF MISSOURI
STEVE FOSTER FIRSTSTATE BANK
ROYCE OGLE PEOPLES INDEPENDENT BANK
JIM DAVIS VALLEY STATE BANK
KAITLYN WIBBENMEYER THE BANK OF MISSOURI
JENNIFER KRAUSS THE BANK OF MISSOURI
RANDY WHITEHEAD PEOPLESTRUST BANK
RITA HOEHN THE BANK OF MISSOURI
DEAN MYERS THE BANK OF MISSOURI
DENISE GOFF THE BANK OF MISSOURI
ERIC POE PEOPLESTRUST BANK
TOM RAY THE FARMERS AND MERCHANTS BANK
BETH RAY THE FARMERS AND MERCHANTS BANK
JULIE CISSELL THE BANK OF MISSOURI
TRACIE HOTOP THE BANK OF MISSOURI
TIFFANY CULBERSON BANK OF MISSOURI
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
MICHELLE WESSEL THE BANK OF MISSOURI
DONNA THOMPSON GRUNDY NATIONAL BANK
GWENDELYN ANDERSON GRUNDY NATIONAL BANK
MILLER COUSE FIRST BANK
GREGG CONKLIN CORNERBANK
BRUCE SCHWYHART CORNERBANK
BETH LAND CORNERBANK
KATHY BOWERS CITIZENS BANK OF BLOUNT COUNTY
JADD MUNN CORNERBANK
KATHLEEN DEMARI FIRST NATIONAL BANK OF ABSECON
JENNIFER BEARD FARMERS STATE BANK
MIKE ESTES THE FISHER NATIONAL BANK
BRYAN AASHEIM PINELAND STATE BANK
LAWRENCE BENNETT ALMA EXCHANGE BANK & TRUST
ROD RENTZ SOUTH BANKING COMPANY
WILLIS KEENE CITIZENS STATE BANK
ROBERT D. JOHNSTON JR. CITIZENS STATE BANK
ALEX GOODPASTER CORNERBANK
ROBERT FISHER TIOGA STATE BANK
MICHAEL SCHMID GRANT COUNTY STATE BANK
RICK PHILLIPS KALAMAZOO COUNTY STATE BANK
DONNA MORRIS FIRSTSTATE BANK
JOANNE BLAIR FIRSTSTATE BANK OF CLAY COUNTY
MICHAELINE GIFFONE FIRSTSTATE BANK
MILES MATHIS FIRSTSTATE BANK
SUSAN BROWN FIRSTSTATE BANK
CHARLIE STUCKEY PEOPLES STATE
SANDY NOLEN CITIZENS BANK OF FAYETTE
ERIC BECKHUSEN CENTURY BANK AND TRUST
DEBORAH DEMANCHE THE BANK OF MISSOURI
LISA SPANG CHARLEVOIX STATE BANK
MICHAEL HINKLE CHARLEVOIX STATE BANK
MARY MARSELL THE BANK OF MISSOURI
WILLIAM DODSON RHEA CHRISTIAN CENTER
WANDA VAN HAITSMA MAIN STREET BANK
JAE EVANS ISABELLA BANK
JOSEPH BLACK LAPEER COUNTY BANK & TRUST CO.
JAMES HOMBURGER LYONS NATIONAL BANK
STEVEN WORRELL VINTAGE BANK KANSAS
RYAN WITT ROYAL BANK
JIM LEGARE BLUE GRASS SAVINGS BANK
AUTUMN STENERSON PIONEER BANK & TRUST
ALAN DAKEY BANK OF BIRD-IN-HAND
PAUL MARTINSON GLENWOOD STATE BANK
STAN FINNESTAD GLENWOOD STATE BANK
CHRISTIE BOUTAIN GLENWOOD STATE BANK
SHIONA OLSON LOWRY STATE BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
CHRIS ROERIG GLENWOOD STATE BANK
KARLA JOHNSON GLENWOOD STATE BANK
JOHN CLASEN LOWRY STATE BANK
TORI PETERSON LOWRY STATE BANK
JACKIE LYBECK GLENWOOD STATE BANK
NEL GIANNONATTI BANK
JULIE MALECEK GLENWOOD STATE BANK
MICHELLE MOORER GLENWOOD STATE BANK
BILLYE COENEN LOWRY STATE BANK
JAY FISKNESS GLENWOOD STATE BANK
KARLA KEEGAN PIONEER BANK & TRUST
ASHLEY HARVEY GLENWOOD STATE BANK
MARK MYERS FIRST PRIORITY BANK
KRISTEN NELSON GLENWOOD STATE BANK
JORDAN MCMAHON GLENWOOD STATE BANK
JIM MORRISSEY GLENWOOD STATE BANK
HANH TIEU FIRST PRIORITY BANK
CRAIG OLSON GLENWOOD STATE BANK
TODD PENOVICH BANK OF AMERICA FOR
AARON HOUSEHOLTER GOODFIELD STATE BANK
MATT BEAVERS FIRST NATIONAL BANK OF PANA
TIM FRITZ BANKORION
LUCAS WILLIAMS SCOTT STATE BANK
JON KRANOV OTTAWA SAVINGS BANK
SALLY SCANLAN COMMUNITY STATE BANK OF ROCK FALLS
STEVEN PRANGE STATE BANK OF ST. JACOB
WILLIAM COOLLEY LONGVIEW CAPITAL CORPORATION
MATTHEW BOLLINGER BANKORION
PRESTON SMITH THE FIRST NATIONAL BANK MATTOON
RANDALL SCHWARTZ FIRST PERSONAL BANK
TERRY REUSCHEL FARMERS STATE BANK OF CAMP POINT
DAVID PRANGE STATE BANK OF ST. JACOB
BILLY BLAIR JR. WEST CENTRAL BANK
PATRICIA CLARKE FIRST NATIONAL BANK OF RAYMOND
ANDREA CUSICK COMMUNITY BANKERS ASSOC. OF IL
RICHARD KATZ RESOURCE BANK NA
KENNETH BERTRAND ALLIED FIRST BANK
JAMES LAMPE GERMANTOWN TRUST & SAVINGS BANK
MITCHELL WORMS GLENWOOD STATE BANK
BRADLEY KOESTER FIRST STATE BANK OF BEECHER CITY
TERRI FORBES RESOURCE BANK NA
JEFFREY STERLING GERMAN-AMERICAN STATE BANK
DAVID STANTON PEOPLESFIRST BANK
RICK WILLIAMS LEGENCE BANK
GINA LOTTER FIRST NATIONAL BANK OF STAUNTON
RAYMOND ALTMIX FIRST SOUTHERN BANK
ANTHONY WARD CENTREBANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
SHERRY COVAULT CENTREBANK
HEATHER HALL CENTREBANK
KATHALEEN HOUSE CENTREBANK
KARIN KELLER CENTREBANK
JEREMY WEBSTER CENTREBANK
TERESA COOPER CENTREBANK
MATT MOYER CITIZENS STATE BANK
KATHY SUTHERLAND DURAND STATE BANK
HANK STEPHENS DIETERICH BANK
MINDY BORGMANN CITIZENS STATE BANK
JASON SEMPLE DIETERICH BANK NA
MICHAEL RADLIFF THE FIRST NATIONAL BANK
STEVE WILL DIETERICH BANK
LISA LIPPERT COMMUNITY BANKERS ASSOCIATION OF ILLINOIS
BRADLEY COATS FIRST COMMUNITY BANK & TRUST
GERALD JOHNSON GRAND RIDGE NATIONAL BANK
JEFF ELLIS LA SALLE STATE BANK
DALE G. DEITERS GERMANTOWN TRUST AND SAVINGS BANK
ASHLEY GOCHE GLENWOOD STATE BANK
P. SWEET FIRST NATIONAL PAXTON
RONNIE SHAMBAUGH HOME FEDERAL SAVINGS & LOAN ASSOCIATION
TOD JEFFERS SCOTT STATE BANK
JEREMY HOKE SCOTT STATE BANK
STEVEN AEBISCHER STATE BANK OF ST. JACOB
GREGORY SHEEDY GRANVILLE NATIONAL BANK
MONIQUE DISRUD GLENWOOD STATE BANK
DARCY NIELSEN GLENWOOD STATE BANK
LESA BLACK PRINCEVILLE STATE BANK
RUBEN MARTINEZ DEVON BANK
REINALDO CARRION BANK OF SPRINGFIELD
STEVE LUKANCIC SPRING VALLEY CITY BANK
THOMAS GOODING FIRST COMMUNITY BANK OF HILLSBORO
GEORGE YARD CNB
JEFF LONGLETT NORTH ADAMS STATE BANK
JOHN LONGLETT NORTH ADAMS STATE BANK
ANDY BURKETT COMMUNITY BANKERS ASSOCIATION OF ILLINOIS
FREDERICK KUHLMEIER CITIZENS STATE BANK
DENNIS HUTTENLOCHER CITIZENS STATE BANK
KEITH WADE FIRST STATE COMMUNITY BANK
DALE BOYER ARCOLA FIRST BANK
CHRIS WIGGER FIRST STATE COMMUNITY BANK
LINDA DENTON FIRST COMMUNITY BANK OF HILLSBORO
KEVIN BOTMA PROVIDENCE BANK & TRUST
MARK NOYES FIRST COMMUNITY BANK OF HILLSBORO
WAYNE POSTMA PROVIDENCE BANK & TRUST
WILLIAM LINDSEY THE FIRST NATIONAL BANK OF HUGHES SPRINGS
TENAY MAZUMDAR PROVIDENCE BANK & TRUST
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
TERRY GRIFFIN CBAI
RICHARD WHHATLEY FIRSTSTATE BANK
BRETT LESSLEY THE PEOPLES STATE BANK OF NEWTON
CHARLES COLVIS BUENA VISTA NATIONAL BANK
JACKIE MENHENNICK MBANK
STACY MOORE THE PEOPLES STATE BANK OF NEWTON
JESSICA ENGLE CITIZENS STATE BANK
CHRISTOPHER PHELPS SCOTT STATE BANK
JOHN EDGAR FIRST NATIONAL BANK OF AVA
KARI NELSON GLENWOOD STATE BANK
RONALD GEIB HARLEYSVILLE SAVINGS BANK
MICHAEL DUKE CBAI
GREG RICHARDSON FAIRFIELD NATIONAL BANK
DAN COMBS FIRST STATE COMMUNITY BANK
DENNIS THOMAS FIRST HARRISON BANK
KEVIN MORAN 1880 BANK
SYLVIA MASINGO FIRST HARRISON BANK
KRISTEN SKEEN FIRST HARRISON BANK
DUSTIN COURSON TOMPKINS STATE BANK
GREGORY OLINDE 1880 BANK
ANTHONY PARKIN HAVANA NATIONAL BANK
KERRY BELL FIRST TRUST AND SAVINGS BANK
KURT HENSTORF FIRST HERITAGE BANK
JOHN THOMPSON NORTHERN KENTUCKY UNIVERSITY
RICHARD CHRISTNER CHARLEVOIX STATE BANK
MICHAEL BEHL FARMERS AND MERCHANTS BANK
TERRALYNN SCHAEFER CITIZENS STATE BANK OF HAYFIELD
BROCK MUSSER CITIZENS STATE BANK OF LENA STOCKTON & FREEPORT
LAWRENCE DONATO FIRST PRIORITY BANK
ROBERT TODD COLORADO EAST BANK AND TRUST CO
CHADWICK MCCLUNG COLFAX BANKING COMPANY
SHARON ANDERSON WILLIAMSTOWN BANK
BRENDA ELLINGSON CITIZENS STATE BANK
DAVID GANSNER HOME FEDERAL SAVINGS & LOAN
GREGORY MARANTZ BANK OF SPRINGFIELD
MARK RIBELIN FIRST NATIONAL BANK OF TAYLORVILLE
ROGER CHAMP PENDLETON COMMUNITY BANK
DIANA TONE JACKSONVILLE SAVINGS BANK
SHAWN DAVIS CNB BANK & TRUST NA
KRIS SCHULTE JACKSONVILLE SAVINGS BANK
DEBORAH MITCHELL TRUSTBANK
EDWARD PAWLOWSKI SOLVAY BANK
ROGER DOTSON THE GERBER STATE BANK
TADD BRACHBILL 1ST FEDERAL S&L ASSOCIATION OF CENTRAL IL
GEOFF DOWDEN BONDUEL STATE BANK
BRENT DAVIS FIRST STATE BANK
DEBBIE ARRINGTON NEW PEOPLES BANK
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111
SCOTT BRAND FIRSTSTATE BANK
ANNE KETCHUM FNB OXFORD BANK
RICK MICKLE FOWLER STATE BANK
LEONARD THOMAS FLINT COMMUNITY BANK
DENNIS GORTER CITIZENS STATE BANK
MICHAEL HUDSON THE BANK OF HERRIN
MICHAEL CANNON CITIZENS BANK & TRUST CO.
SCOTT PRANGE STATE BANK OF ST. JACOB
LARRY DOSS GLENWOOD STATE BANK
BRETT MORGAN FARMERS & MERCHANTS BANK
BRENDA HENDERSON FIRST FARMERS STATE BANK
HARLEY HANSON FIRST NATIONAL BANK MAHNOMEN
JOSEPH CONROY FIRST FARMERS STATE BANK
JENNIFER HALLIGAN BANK OF BIRD-IN-HAND
BRENDA KROEGER DIETERICH BANK NA
CHRISTY JUSTUS TRUPOINT BANK
BRIAN RENNER FIRST FEDERAL OF VAN WERT OH
DOUGLAS PARROTT STATE BANK OF TOULON
PHYLLIS WEBSTER FIRST BANK & TRUST IL
NOLAN LONGEST FIRST BANK & TRUST IL
The following people have submitted the same comment letter as the one shown.AFI-UNS
Comment Letter No. 111