Please accept this email as Bank Star’s opposition to the proposed change of commercial loan classifications.  In our opinion the current system isn’t broke so why are you proposing to change it?  Could it be that you are proposing this change to satisfy a few larger institutions at the expense of many smaller institutions?  The current system is working sufficiently both from the bankers standpoint and the regulators standpoint.  The present system allows for open dialogue and understanding on both sides of the fence and is an adequate system for rating classified loans.  The added regulatory burden of the proposed complicated system just doesn’t make good sense.

If it isn’t broke, don’t fix it!

Sincerely,