Federal Deposit
Insurance Corporation

From: Philip Duquette [mailto:philipduquette@msn.com]
Sent: Wednesday, October 13, 2004 6:38 PM
To: Comments
Subject: SPAM::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. This would severely jeopardize the momentum we have going in transforming our neighborhood.

Philip Duquette

President, Business Association of the South Wedge Area
Rochester, New York