From: Thomas H. Piche' [mailto:tpiche@carthagesavings.com]
Sent: Friday, October 31, 2008 9:13 AM
To: Comments
Subject: Liquidity Guarantee Program

If the new LGP fees and assessments are not sufficient to cover losses will the FDIC have the authority to charge a special assessment on all FDIC insured institutions or will the assessment be charged to the institutions that used the program and did not opt out?

Thomas H. Piche'
President and CEO
Carthage Federal Savings and Loan Association
Phone 315-493-3480
Fax 315-493-0231