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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending October 20, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

GATEWAY BANK & TRUST CO.

* Branch

Gateway Bank & Trust Co., Elizabeth City, North Carolina, proposes to establish a branch at 2235 Access Medical Drive, Raleigh, North Carolina.

Newspaper:	10/30/2007
Federal Register:	Not applicable

ROYAL BANK OF CANADA

FBSEA

Royal Bank of Canada, Montreal, Canada, to establish a branch at Three World Financial Center, 200 Vesey Street, New York, New York.

Newspaper:	11/07/2007
Federal Register:	Not applicable

SNS PROPERTY FINANCE B.V.

FBSEA

SNS Property Finance B.V., Hoevelaken, Netherlands, to establish a representative office in Reston, Virginia.

Newspaper:	10/29/2007
Federal Register:	Not applicable

WACHOVIA BANK INTERNATIONAL

Investment

Wachovia Bank, National Association, Charlotte, North Carolina, to make an investment through its subsidiary, Wachovia Bank International, Dublin, Ireland, of $256 million in Wachovia Securities International, Limited, London, England.

Newspaper:	Not applicable
Federal Register:	Not applicable

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

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending October 20, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond