From: Rob Laux [mailto:rlaux@PARKBANK.com]
Sent: Wednesday, October 29, 2008 11:41 AM
To: Comments
Subject: RIN # 3064-AD37

This message is regarding the Debt Guarantee Program portion of the Temporary Liquidity Guarantee Program. The 75 basis point fee is too high. To ensure success of the program the fee needs to be lowered, especially with the fed funds rate as low as it is today. A flat rate of 25 basis points or possibly some cost indexed to the targeted fed funds rate would make more sense.

Robert H. Laux
Senior Vice President - Finance

PARK BANK
Park Bank Center
1815 Greenway Cross
P. O. Box 8969
Madison, WI 53708-8969

Telephone: 608.278.2808
Fax: 608.278.2854
Email: rlaux@parkbank.com
Web: www.parkbank.com