| From: Devin Conner [mailto:DRCONNER@mpccorp.com]
 Sent: Tuesday, September 07, 2004 4:32 PM
 To: Comments
 Subject: Community Reinvestment -- RIN 3064-AC50
 comments@fdic.gov  To Whom it May Concern,  It is imperative that you keep the Community Reinvestment Act intact. 
        The fact that the states you're considering excluding have fewer than $1 
        billion in assets does not mean there are less low and moderate-income 
        households, and it reflects poorly on you that you are even considering 
        it.  After all, the only ones you'll be hurting are the low and 
        moderate-income households this is designed for. Is that the motive? 
        Because it certainly looks like it. And that is a form of 
        discrimination.  Low and moderate-income households need all the help they can get. 
        They work just as hard (actually, often harder) but get paid less. They 
        deserve our gratitude and appreciation, and certainly the same 
        opportunities that high-income households afford.  This proposed exemption is nothing more than one more way that the 
        wealthy are being catered to at the expense of the working-poor. It is 
        unacceptable.  Sincerely,  Devin Conner5486 N Star Ridge Ln
 Star, ID 83669
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