The Federal Deposit Insurance Corporation (FDIC) is pleased to announce that our 2003 Annual Report is now available on our Web site. The report can be accessed at http://www.fdic.gov/about/strategic/report/2003annualreport/. The Annual Report provides an overview of our activities and operations during the year in our role as steward of the deposit insurance funds, and reports on our success in achieving the goals we established for fiscal year 2003.

For your reference, FDIC Financial Institution Letters may be accessed from the FDIC’s Web site at www.fdic.gov/news/news/financial/2004/index.html.

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Distribution: FDIC-Insured Institutions

NOTE: Paper copies of FDIC financial institution letters may be obtained through the FDIC’s Public Information Center, 801 17th Street, NW, Room 100, Washington, DC 20434 (1-877-275-3342 or (703) 562-2200).