Federal Deposit
Insurance Corporation

From: Chip Santer [mailto:csanter@santerhousingcapital.com]
Sent: Tuesday, October 19, 2004 7:55 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

To whom it may concern:

Please do not harm low and moderate income communities by making these proposed changes. Furthermore, these very banks financially benefit from these CRA activities. The charter, and FDIC insurance is a privilege for these institutions, not a right. Let's keep them good citizens.

Thank you,

Charles R. Santer
President