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Attached is the second edition of our quarterly Letter to Stakeholders. This edition highlights the �౦��Ϸ����'s success in meeting our priorities during the third quarter of 2002.

During this period, we continued to emphasize our risk-management initiatives and other matters related to the health and stability of the banking industry. We also continued to focus attention on making the �౦��Ϸ���� more efficient and responsive to your needs. These efforts position us well to monitor the current economic situation and take steps to ensure the continued safety and soundness to the institutions we regulate.

Your feedback to our first letter, issued in July, was overwhelmingly positive. Thank you for your candid and timely comments. I encourage you to continue to share your thoughts on the contents of this letter and to visit our Web site at for more information.

Attachment: Letter to Stakeholders

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

NOTE: Paper copies of �౦��Ϸ���� financial institution letters may be obtained through the �౦��Ϸ����'s Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (800-276-6003 or (703) 562-2200).