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

District: 2
Federal Reserve Bank of: New York

Filings received during the week ending December 8, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCO ESPIRITO SANTO DE INVESTIMENTO, S.A.

FBSEA

Banco Espirito Santo de Investimento, S.A., Lisbon, Portugal, to establish a branch in New York, New York, pursuant to Section 7(d) of the International Banking Act.

Newspaper:	Not available
Federal Register:	Not applicable

INVESTORS BANCORP, MHC

* 4c8

Investors Bancorp, MHC and Investors Bancorp, Inc., both of Short Hills, New Jersey to acquire Summit Federal Bankshares, MHC, and its wholly-owned subsidiary, Summit Federal Bankshares, Inc., and its indirect wholly-owned subsidiary, Summit Federal Savings Bank, all of Summit, New Jersey.

Newspaper:	12/14/2007
Federal Register:	12/20/2007

TORONTO-DOMINION BANK, THE

* 3A1
* 3A3

Toronto-Dominion Bank, Toronto, Canada, and its subsidiaries TD US P&C Holdings ULC, Calgary, Canada, Cardinal Top Co. and Cardinal Intermediate Co., both of New York, New York, to acquire 100% of the voting shares of Commerce Bancorp, Inc. ("Commerce Bancorp"), Cherry Hill, New Jersey, and indirectly acquire control of Commerce Bank, NA, Philadelphia, Pennsylvania and Commerce Bank/North, Ramsey, New Jersey, and to acquire Commerce Bancorp's 14.82% interest in Pennsylvania Commerce Bancorp, Inc., which controls Commerce Bank/Harrisburg, N.A., both of Harrisburg, Pennsylvania, pursuant to Sections 3(a)(3) and 3(a)(1) of the Bank Holding Company Act of 1956, as amended (the "BHCA").

Newspaper:	Not available
Federal Register:	01/03/2008

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

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending December 8, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York