The ABA has noted that some banks are concerned with the reputational risk of participating in a bail-out. While some customers may have this concern, it does not change our belief that all eligible banks should strongly consider participating. Having said that, we also think banks should be prepared to deal with this issue and should be proactive with their customers. The emphasis should be on supporting the Government’s program to strengthen the entire banking system in order to enable banks to continue supporting their local community through this economic downturn. The program is designed to earn a return for the Government (and thus the taxpayer), and is thus not a “bail-out” at all. The program is for healthy banks, not to save problem banks. Customers should be comforted by the facts.