From: Wayne Kuncl [mailto:skuncl@mindspring.com]
Sent: Thursday, October 14, 2004 6:26 PM
To: Comments
Subject: RIN 3064-AC50

To Whom This May Concern:

As an active member of Orange Community Housing and land Trust, 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 lending, investments and services in low-income communities.

Sincerely,
Wayne Kuncl
Past Chair
Board of Directors
Orange Community Housing & Land Trust