Dear Treasury People

Dear Mr. Paulson,

Please allow me to introduce myself. My name is Duffy Mr. Not Duffy and I am president of Pencader Bank and Trust. We are a modest concern with only one client. Several years ago we purchased the mortgage of a Mr. Duffy of Mayhem Manor in Pencader. He has been dutifully paying his mortgage on time but has, of late, made whimpering noises about defaulting. This has caused our share price to plummet and we may not be able to make payroll in the coming weeks. Please include us in the bailout for the modest sum of the remaining balance on Mr. Duffy's mortgage (see attached).

Thank you,

Mr. Not Duffy
President Pencader Bank and Trust


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