The NCUA Board approved a final rule revising its FOM and Chartering Manual in the wake of the recent court decision. The final rule adds new Appendix 6 to the Manual providing for a credit union to submit an application for a community charter using a narrative approach. This Appendix contains 13 possible criteria for a credit union to address in showing that an area is a well defined community. Not all 13 criteria must be "validated" and the criteria are not exhaustive. Credit unions may use any criteria they believe are appropriate in demonstrating a well defined local community.