| EVERYONE COOPERATING TO HELP OTHERS From: Klecho [mailto:klecho@charter.net] Sent: Thursday, September 16, 2004 3:45 PM
 To: Comments
 Subject: Re: RIN 3064-AC50
 
 
 Gentlemen Re: RIN 3064-AC50:  I will keep this short and simple. I am the Executive Director of a 
        privatenon-profit, Everyone Cooperating to Help Others, Inc. (ECHO, Inc.), that
 provides emergency services, including rent, lodging, housing services,
 transportation and food, to name a few, to low-income residents in our
 county, Rock Co. in WI. No one can do what needs to be done; it takes
 everyone in the community to get the job done (as our name appropriately
 states). It takes your help also.
 I strongly oppose the proposed rule changing the Community 
        Reinvestment Actregulations. In my opinion, it will really undermine rural and smaller
 communities. Please do not adopt this rule.
 Karen Lisser, Executive DirectorECHO, Inc.
 65 S. High St.
 Janesville, WI 53548
 klecho@charter.net
 
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