Federal Deposit
Insurance Corporation

From: Kevin Klinger [mailto:kklinger@fitzarchitects.com]
Sent: Monday, October 18, 2004 1:48 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

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.

Kevin Klinger
Beverly Hills Morgan Park CDC