From:
Innocent.Ake@Advest.com [mailto:Innocent.Ake@Advest.com]
Sent: Tuesday, October 05, 2004 7:30 AM
To: Comments
Subject: RIN 3064-AC50
Gentlemen:
Please do not increase the definition of a small bank from $250
million to
$1 billion. Making this change will exempt more than 90 percent of
the
rural banks you regulate from the three-part exam. Also, do not provide
CRA
credit for activities which do not benefit low and moderate income
people
and places. It is hard enough to develop rural communities. These
changes
would be a blow, reducing rural lending, investments and services.
Respectfully,
Innocent Ake
1740 Broadway, 19th floor
New York, NY 10019
