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

EXECUTIVE SECRETARY
FEDERAL DEPOSIT INSURANCE CORPORATION 
550 17th STREET, NW
WASHINGTON, DC 20429

ATTN: COMMENTS/OES

You are proposing rules in regard to Customer Identification. We know our existing Customers. Anyone of our 10 employees can call 75±% of our existing Customers by the first name as they walk in the door. As we are opening an additional account for one of our existing Customers or one of their children, I believe it should not be required that we go through any new or additional 'red tape'.

I would agree that if we are opening an account for a total stranger, we need to check the OFAC list. Anything greater than this is more burden on financial institutions like ourselves (37MM in a town of 600) than you can ever gain.

Sincerely,