Federal Deposit
Insurance Corporation

From: Foster, John [mailto:JFoster@INTERGEN.com]
Sent: Wednesday, October 20, 2004 6:48 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Dear Madams/Sirs,
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.

Respectfully yours,

John Foster
Senior Vice President
InterGen
(a power generation joint venture of Shell and Bechtel)