From: James Arnold [mailto:jarnold@ssbscott.com]
Sent: Wednesday, October 29, 2008 11:09 AM
To: Comments
Subject: RIN # 3064-AD37

The 75 bps fee is very high and out of line. It will make it very hard for Banks to utilize this program. We believe the fee should be indexed to the Fed Funds Target Rate and should be much lower.

James A. Arnold
President and CEO
Security State Bank
506 Main Street P.O. Box 170
Scott City, Ks 67871

Bank: 620-872-7224 Ext. 257
Cell: 620-214-3011
Fax: 620-872-2253
jarnold@ssbscott.com