To get credit for community development services the service must be either financial in nature or related to the expertise of the employee providing the service. This is not the same as the "service test" which is applied to large banks (see below)
Technically, the service test (as opposed to CD services which are included under this test) is applied under large bank performance standards and aside from CD service activity is largely based on the location of branches throughout the community based on comparing the relative number of branches in LMI tracts in comparison to the relative distribution of population among LMI tracts
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