| TO: | FDIC BOARD OF DIRECTORS | |
| Chairman Andrew C. Hove Jr. 202-898-3772 | ||
| Joseph H. Neely 202-898-3500 | ||
| Eugene A. Ludwig, Comptroller of Currency 202-874-4950 | ||
| Ellen Seidman. Director Office of Thrift Supervision 202-898-0230 |
| Very truly yours, |
| John & Rhetta Sweeney |