SPEAKER INDEX Segment 1 of 3 Next Segment (2) CONTENTS INSERTS ALBERTALLI 97 110 BAPTISTA 88 104 105 116 121 122 123 BARR 16 BENTSEN 19 23 79 81 117 119 120 BRACEWELL 45 54 63 65 72 73 FINK 84 107 KELLY 34 57 61 62 KELLY OF NEW YORK 16 62 KILPATRICK 19 KLAGHOLZ 100 111 113 114 LACKRITZ 92 108 109 110 115 118 119 120 122 LAFALCE 12 13 25 61 62 63 64 65 66 67 MALONEY 16 67 68 69 70 71 73 78 MCCONNELL 26 49 50 63 64 71 73 METCALF 12 MEYER 30 53 58 59 65 71 POLLARD 38 51 52 55 56 63 65 66 68 69 70 78 79 80 81 ROUKEMA 1 10 11 12 13 15 16 19 21 22 23 24 25 26 29 34 38 42 45 48 50 51 52 53 54 56 60 61 62 67 71 72 74 79 82 83 87 91 92 96 99 100 103 104 105 106 108 109 110 111 117 122 123 124 125 ROYBAL-ALLARD 19 75 76 77 78 79 ROYCE 83 RYUN 15 TASSEY 42 64 65 67 75 76 77 78 79 81 VENTO 6 11 21 23 24 25 54 57 58 59 60 70 111 113 114 115 117 120 121 122 123 124 WATT 21 CONTENTS SPEAKERS INSERTS STATEMENT OF WILLIAM T. McCONNELL, CHAIRMAN AND CEO, PARK NATIONAL CORPORATION, AND PRESIDENT-ELECT OF THE AMERICAN BANKERS ASSOCIATION PAGE 26 STATEMENT OF WELLER MEYER, PRESIDENT AND CEO, ACACIA FEDERAL SAVINGS BANK, ON BEHALF OF AMERICA'S COMMUNITY BANKERS PAGE 30 STATEMENT OF CRAIG J. KELLY, SENIOR VICE PRESIDENT, BANC ONE CORPORATION, ON BEHALF OF THE CONSUMER BANKERS ASSOCIATION PAGE 34 STATEMENT OF DR. ALFRED M. POLLARD, SENIOR DIRECTOR FOR LEGISLATIVE AFFAIRS, BANKERS ROUNDTABLE PAGE 38 STATEMENT OF JEFFREY A. TASSEY, SENIOR VICE PRESIDENT OF GOVERNMENT AND LEGAL AFFAIRS, AMERICAN FINANCIAL SERVICES ASSOCIATION PAGE 42 STATEMENT OF DR. JOSEPH S. BRACEWELL, CHAIRMAN AND CEO, CENTURY NATIONAL BANK, ON BEHALF OF THE INDEPENDENT BANKERS ASSOCIATION OF AMERICA PAGE 45 STATEMENT OF MATTHEW P. FINK, PRESIDENT, INVESTMENT COMPANY INSTITUTE PAGE 84 STATEMENT OF SAMUEL J. BAPTISTA, PRESIDENT, FINANCIAL SERVICES COUNCIL PAGE 88 STATEMENT OF MARC E. LACKRITZ, PRESIDENT, SECURITIES INDUSTRY ASSOCIATION PAGE 92 STATEMENT OF ROY C. ALBERTALLI, VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL, METROPOLITAN LIFE INSURANCE COMPANY, ON BEHALF OF THE AMERICAN COUNCIL OF LIFE INSURANCE PAGE 97 STATEMENT OF JAMES R. KLAGHOLZ, CO-OWNER, C.N. STERLING ASSOCIATES, INC., ON BEHALF OF THE INDEPENDENT INSURANCE AGENTS OF AMERICA PAGE 100 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING