SPEAKER INDEX    CONTENTS   INSERTS   
BAKER           36     37     38     39  
BARRETT         33     34     55     56     57     59  
BENTSEN         70     71     72     73  
BEREUTER        28     29     30     31  
CARSON          17     18     59     61    117    118    119    120  
CASTLE          42     44     45  
CHACON          92     99  
CREQUE         110    117    118    119  
DYER            11     18     52  
HAWKE            6     15     17     18     19     20     21     22     23  
                25     26     27     28     29     30     31     32     33  
                34     35     36     37     38     39     40     41     42  
                44     45     47     48     49     50     51     52     55  
                56     57     58     59     60     61     62     63     65  
                66     69     70     71     72     73     74     75     76  
                77     78     79     80     81  
JACKSON         50     54     73     74     75     76     77     78  
JULIUS         125    138    139    141  
KANJORSKI       46     48     49     50  
LAFALCE          4     16     17     18  
LEACH            1      5     11     14     16     18     20     23     28  
                31     35     36     40     42     46     51     54     55  
                59     64     67     70     73     78     81     85     88  
                89     92     95     96     97     98     99    100    105  
               109    112    115    117    118    120    121    125    128  
               131    134    135    136    137    138    139    140    141  
               142  
MACKENZIE      122    135    136    137    138  
MANZULLO        59     60     61     62     63     64  
MCCOLLUM         5     20     21     22     23  
MCNARY         131    139    140  
OGDEN           82     95     96     99    103  
ROYBAL-ALLARD    40     41     42  
SAUNDERS       106    116    120  
SESSIONS        51     52     53     54  
SHERMAN         78     79     80     81  
SMITH           89     97     98    100    102    105  
SNOWBARGER      64     65     66  
VENTO           24     25     26     27     52     53  
WANNEMACHER   112    117  
WARE            85     96     98     99    100    105  
WATERS          31     32     33     34     35     36  
WATT            64     67     70    100    101    102    103    105  
WOLF           128    140  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. JOHN D. HAWKE, JR., UNDER SECRETARY FOR DOMESTIC FINANCE, U.S. DEPARTMENT OF THE 
TREASURY
                                                                 PAGE     6

STATEMENT OF JOHN DYER, ACTING PRINCIPAL DEPUTY COMMISSIONER, SOCIAL SECURITY ADMINISTRATION 
                                                                 PAGE    11

STATEMENT OF W. PAGE OGDEN, PRESIDENT, BRITTON & KOONTZ FIRST NATIONAL BANK, ON BEHALF OF THE 
AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    82

STATEMENT OF VIVECA WARE, DIRECTOR OF PAYMENT SYSTEMS, INDEPENDENT BANKERS ASSOCIATION OF AMERICA
                                                                 PAGE    85

STATEMENT OF BRIAN P. SMITH, DIRECTOR, POLICY AND ECONOMIC RESEARCH, AMERICA'S COMMUNITY BANKERS
                                                                 PAGE    89

STATEMENT OF RUSSELL CHACON, VICE PRESIDENT, CARD SERVICES, NATIONSBANK CORP., ON BEHALF OF THE 
CONSUMER BANKERS ASSOCIATION 
                                                                 PAGE    92

STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER
                                                                 PAGE   106

STATEMENT OF MARCELYN CREQUE, MIDWEST REGIONAL DIRECTOR AND NATIONAL LEGISLATIVE COUNCIL MEMBER, 
ASSOCIATION FOR THE ADVANCEMENT OF RETIRED PERSONS
                                                                 PAGE   109

STATEMENT OF RICHARD A. WANNEMACHER JR., ASSOCIATE NATIONAL LEGISLATIVE DIRECTOR, DISABLED 
AMERICAN VETERANS 
                                                                 PAGE   112

STATEMENT OF MARK MacKENZIE, EXECUTIVE DIRECTOR, CITIBANK EBT SERVICES
                                                                 PAGE   122

STATEMENT OF FRED JULIUS, PRESIDENT, DEERE & COMPANY CREDIT UNION
                                                                 PAGE   125

STATEMENT OF STEPHEN WOLF, TREASURER, PAY-O-MATIC CORP., ON BEHALF OF THE NATIONAL CHECK CASHERS 
ASSOCIATION
                                                                 PAGE   128

STATEMENT OF G. DOUGLAS McNARY, PRESIDENT, WESTERN UNION FINANCIAL SERVICES, INC.
                                                                 PAGE   131


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING