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Each depositor insured to at least $250,000 per insured bank

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FDIC Federal Register Citations

August 7, 2003

Robert E. Feldman
Executive Secretary
Attention: Comments/Legal ESS
Federal Deposit Insurance Corporation
550 17th Street, NW
Washington, DC 20429

RE: Insuring Living Trust Accounts

Dear Mr. Feldman:

On behalf of Independent Community Bank, I have been asked to comment on the proposal for insuring
living trusts. We prefer the first alternative which would provide coverage up to $100,000 per qualifying
named in the living trust, regardless of contingencies in the trust.

Joyce L. Pinder
Senior Vice President
Independent Community Bank

Last Updated 08/12/2003

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