From: Sarah Stone-Francisco [mailto:stone@samuelsandassociates.com]
Sent: Thursday, September 16, 2004 3:28 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

The state of research demonstrates that community investment is the key to a better future economy by enabling communities to increase their local economic opportunities, and thus the assets and employment of local residents. Therefore, I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. This policy would reduce much needed lending, investments and services in low-income communities.

Thank you,

Sarah