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