SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      6      7      8     13     14     15     16     17  
                18     19     20     21     22     23     24     25     29  
                30     31     34     41     42     49     52     53     55  
                56     62     68     70     71     72     73     77     78  
                79     80     81     83     84     85     86  
BAUCHUS         22     42     46  
BOWNÉ    46     53     55     57     66     68     78     79     80  
                81     82     83     84  
D'AMOURS        42     53     55     57     61     63     65     76     77  
                78     85     86  
KANJORSKI       31     35     36     37     38     39     40     41     68  
                70     71     72     73     74     75     76     81     82  
                83     84  
KILPATRICK       6     17     19     22     23     24     25     26     27  
                28     29     56     57     59     60     61  
LACHANCE         8     13     14     15     16     17     18     21     22  
                25     26     33     34     38  
LATOURETTE       7     31     33     34     62     65     68     85     86  
OKIN            15     17     18     19     20     21     22     26     27  
                28     29     33     35     36     37     38     39     40  
WATERS          30  
WHEAT           49     52     53     59     60     68     69     71     72  
                73     74     75  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. JANICE R. LaCHANCE, ACTING DIRECTOR, OFFICE OF PERSONNEL MANAGEMENT, ACCOMPANIED 
BY CAROL OKIN, ASSOCIATE DIRECTOR OF MERIT SYSTEM OVERSIGHT 
                                                                 PAGE     8

STATEMENT OF HON. NORMAN E. D'AMOURS, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION
                                                                 PAGE    41

STATEMENT OF HON. SHIRLEE BOWNÉ, VICE CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION
                                                                 PAGE    46

STATEMENT OF HON. YOLANDA T. WHEAT, BOARD MEMBER, NATIONAL CREDIT UNION ADMINISTRATION 
                                                                 PAGE    49


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING