Note: FDIC Financial Institution Letters (FILs) may be accessed from the FDIC's Web site at www.fdic.gov/news/news/financial/2012/index.html . To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html . Paper copies may be obtained through the FDIC's Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226 (1-877-275-3342 or 703-562-2200).

Contact: Bobby Bean, Associate Director, Capital Markets Branch, at bbean@fdic.gov or (202) 898-6705 Ryan Billingsley, Senior Policy Analyst, at rbillingsley@fdic.gov or (202) 898-3797 Karl Reitz, Senior Policy Analyst, at kreitz@fdic.gov or (202) 898-6775