Filipino bank depositor smiles as she displays her cheque from the state-controlled Philippine Deposit Insurance Corporation in Manila. A Filipino bank depositor smiles as she displays her cheque from the state-controlled Philippine Deposit Insurance Corporation, which took over a failed bank in Manila September 14, 2004. Tens of thousands of depositors are trying to recover their money from the privately-controlled First Savings Bank, which declared a bank holiday last week, as the state bank insurer started paying out bank deposits below 250,000 pesos ($4,500). REUTERS/Cheryl Ravelo