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• The recent wildfires have resulted in considerable damage to the public infrastructure, structures, equipment and land in the affected areas of Oklahoma and Texas.
• The �౦��Ϸ���� is encouraging banks to work constructively with borrowers who, because of these natural disasters, are experiencing difficulties beyond their control.
• Extending repayment terms, restructuring existing loans or easing terms for new loans, if done in a manner consistent with sound banking practices, can contribute to the health of the community and serve the long-term interests of the lending institution.
• The �౦��Ϸ���� will also consider regulatory relief from certain filing and publishing requirements.

Distribution:
�౦��Ϸ����-Supervised Banks (Commercial and Savings) in Oklahoma and Texas

Suggested Routing:
Chief Executive Officer
Compliance Officer
Chief Lending Officer

For Texas Institutions:
Assistant Regional Director Cheryl Couch
972-761-2030 or ccouch@fdic.gov

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/2005/index.html .

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

Paper copies of �౦��Ϸ���� FILs may be obtained through the �౦��Ϸ����'s Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).