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| FDIC Federal Register Citations From: William Schneider [mailto:bschneider5@pennswoods.net]  If it's not"broke" don't fix it. Don't jeopardize low-income families in 
    small communities. Let things stand as they are and give your time and 
    efforts to furthering other more helpful and needful opportunities. Moe user 
    friendly loan opportunities with easier paybacks. 
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| Last Updated 10/30/2004 | regs@fdic.gov | |
