Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 12
Federal Reserve Bank of: San Francisco

Filings received during the week ending December 27, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

CARPENTER FUND MANAGER GP, LLC

* 3A3

Carpenter Fund Manager GP, LLC, Carpenter Fund Management, LLC, Carpenter Community Bancfund, L.P., Carpenter Community Bancfund-A, L.P., Carpenter Community Bancfund-CA, L.P., CCFW, Inc., and SCJ, Inc., all of Irvine, California, to acquire up to 18 percent of Heritage Bank, National Association, New York, New York.

Newspaper:	01/23/2009
Federal Register:	Not available

FRANKLIN RESOURCES, INC.

* 3A3

Franklin Resources, Inc., San Mateo, California, to acquire up to 8.4 percent of AB&T Financial Corporation, and thereby indirectly its subsidiary, Alliance Bank & Trust Company, both of Gastonia, North Carolina, pursuant to section 3(a)(3) of the Bank Holding Company Act.

Newspaper:	Waived
Federal Register:	01/23/2009

MARLIN BUSINESS SERVICES CORP.

4c8
Member
* 3A1

Marlin Business Services Corp., Mount Laurel, New Jersey, to: 1) become a bank holding company upon the conversion of Marlin Business Bank, Salt Lake City, Utah, from an industrial bank to a commercial bank, pursuant to section 3(a)(1) of the Bank Holding Company Act; 2) Marlin Business Services Corp. to engage indirectly in equipment leasing services through Marlin Leasing Corporation, both of Mount Laurel, New Jersey, pursuant to section 225.28(b)(3) of Regulation Y and 4(c)(8) of the Bank Holding Company Act; and 3) Marlin Business Bank, Salt Lake City, Utah, to become a member of the Federal Reserve System.

Newspaper:	12/06/2008
Federal Register:	12/12/2008

Availability of CRA Public Evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding
S = Satisfactory
NI = Needs to improve
SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending December 27, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 12
Federal Reserve Bank of: San Francisco