Federal Deposit
Insurance Corporation

From: Brent Raymond [mailto:BRaymond@sf.WRTdesign.com]
Sent: Tuesday, October 19, 2004 11:53 AM
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."

Brent Raymond
Wallace Roberts & Todd, LLC
1328 Mission Street, Fourth Floor
San Francisco, CA 94103