Federal Deposit
Insurance Corporation

August 13, 2010

FDIC Staff,

Sec. 1506 of the Dodd-Frank Wall Street Reform and Consumer Protection Act requires that the agencies conduct a study on core deposits and brokered deposits. QwickRate has 23 years if experience in the "non brokered" national CD marketplace and can provide valuable research and information to contribute to the study. We currently serve over 3000 federal insured financial institution thru our direct deposit listing service. Many of the banks who are issuing CDs in this market continue to do so in increments of <$100K in an effort to qualify those deposits under the UBPR definition of a "core" deposit. We are very interested in participating in this study, we feel that we can provide valuable input and information regarding this topic. We are requesting under the FDIC open door policy to have an opportunity to participate in this study and in formal discussions regarding this topic.

Debbie Walker
Director of Regulatory and Compliance
QwickRate