Federal Deposit
Insurance Corporation

From: Mary Pergande [mailto:marypjubilee@hotmail.com]
Sent: Monday, October 18, 2004 4:21 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 such as ours. With public resources dwindling, now is not the time to eliminate regulatory incentives for private capital to leverage scarce public dollars. I urge FDIC to withdraw its proposed rule.

Mary Pergande
Jubilee Project Inc.
PO Box 657
Sneedville, TN