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�౦��Ϸ���� has introduced FYI, an electronic bulletin summarizing �౦��Ϸ���� analysis of emerging issues in banking and the economy. FYIbrings to your desktop current information about the trends that are driving change in the banking industry, plus links to other �౦��Ϸ���� publications and data tools. A copy of the first edition of FYI is attached.

Every issue of FYI will be available on the �౦��Ϸ���� Web site at . To regularly receive FYI by e-mail, you may subscribe online by going to or by sending your e-mail address to fyi@fdic.gov. If you prefer to receive each issue of FYI via fax, you may leave your fax number at the e-mail address above or by calling toll-free 1-877-ASK-�౦��Ϸ���� (1-877-275-3342). Press 1 for the English option and then 7 to be directly connected.

We suggest that you also share this announcement with your senior operations officer, training officer and any other employees you believe could find our FYI bulletin useful.

Phil Battey

Director

Distribution

All Insured Institutions and Insured U.S. Branches of Foreign Banks

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).