Federal Deposit
Insurance Corporation

From: David Ouderkirk [mailto:douderkirk@citergy.com]
Sent: Thursday, October 14, 2004 1:15 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

The proposed rules to reduce lending, investments and services in low-income communities is unfair, unconscionable and inhumane.

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.

David Ouderkirk
Citergy LLC
571-236-1396
douderkirk@citergy.com