Federal Deposit
Insurance Corporation

From: Jennifer James [mailto:jjames@harderco.com]
Sent: Wednesday, October 13, 2004 4:16 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.

Thank you for your attention to this matter.

Jennifer James
Vice President
Harder+Company Community Research
6920 Miramar Rd #101
San Diego, CA