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Highlights:

• Risk-Based Assessments for the First Quarter of 2009 : The attached final rule, effective January 1, 2009, increases assessment rates uniformly by 7 basis points (annual rate) for the first quarter 2009 assessment period only. Annual rates applicable to the first quarter 2009 assessments, which would be collected at the end of June, are as follows:
• Risk Category I: 12 - 14 basis points;
• Risk Category II: 17 basis points;
• Risk Category III: 35 basis points; and
• Risk Category IV: 50 basis points.
• Proposed Changes Effective April 1, 2009 : The �౦��Ϸ���� will issue another final rule early in 2009, to take effect on April 1, 2009, to change the way that the �౦��Ϸ����'s assessment system differentiates for risk, make corresponding changes to assessment rates beginning with the second quarter of 2009, and make certain technical and other changes to the assessment rules.
• Rate Calculator : To estimate Risk Category I deposit insurance assessment rates for the first quarter of 2009 only, use the current assessment rate calculator and add 7 basis points to the resulting annual rate. The calculator is available at: http://www.fdic.gov/deposit/insurance/initiative/index.html.

Distribution:
All �౦��Ϸ����-Insured Institutions

Suggested Routing:
Chief Executive Officer
President
Chief Financial Officer

Related Topics: �౦��Ϸ���� Restoration Plan, 73
Fed. Reg. 61598 (Oct. 16, 2008); Assessments,
Proposed Rule, 73 Fed. Reg. 61560 (Oct. 16,
2008)

Note:
�౦��Ϸ���� financial institution letters (FILs) may be accessed from the �౦��Ϸ����'s Web site at www.fdic.gov/news/financial-institution-letters/2008/index.html .

To receive FILs electronically, please visit http://www.fdic.gov/about/subscriptions/fil.html .

Paper copies of �౦��Ϸ���� financial institution letters may be obtained through the �౦��Ϸ����'s Public Information Center, 3501 Fairfax Drive, E-1002, Arlington, VA 22226
(1-877-275-3342 or 703-562- 2200).