SPEAKER INDEX CONTENTS INSERTS ARANJO 78 83 84 85 88 90 BEREUTER 22 41 106 107 108 109 110 111 BERGMEYER 93 109 111 113 CURTIN 101 107 110 D'AMOURS 27 37 38 39 47 49 50 53 57 59 60 65 66 68 DOLLAR 33 46 49 50 55 64 65 67 GARRISON 98 110 114 KANJORSKI 61 111 KELLY 11 51 52 53 54 LAFALCE 11 12 27 39 45 46 81 LATOURETTE 17 MASCARA 23 55 56 57 58 MCCOLLUM 58 59 60 PAINTON 69 75 78 83 84 90 PERLITSH 71 74 83 85 RILEY 64 65 66 67 ROBERTS 95 108 109 ROUKEMA 1 3 10 11 12 16 17 20 21 23 24 26 27 31 33 36 38 39 41 44 45 46 47 50 55 58 61 63 64 68 69 70 74 77 78 81 82 83 84 85 87 90 91 95 98 101 103 106 110 111 113 114 115 SHERMAN 16 17 20 48 49 87 88 90 STENEHJEM 103 114 VENTO 2 8 26 WHEAT 31 44 48 51 52 53 54 55 56 67 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. NORMAN E. D'AMOURS, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 27 STATEMENT OF YOLANDA T. WHEAT, BOARD MEMBER, NATIONAL CREDIT UNION ADMINISTRATION PAGE 31 STATEMENT OF DENNIS DOLLAR, BOARD MEMBER, NATIONAL CREDIT UNION ADMINISTRATION PAGE 33 STATEMENT OF STUART PERLITSH, CEO, GLENDALE AREA SCHOOLS FEDERAL CREDIT UNION PAGE 70 STATEMENT OF ROBERT PAINTON, IRONDEQUOIT FEDERAL CREDIT UNION PAGE 74 STATEMENT OF CAROL ARANJO, PRESIDENT, D. EDWARD WELLS FEDERAL CREDIT UNION PAGE 78 STATEMENT OF HARLEY D. BERGMEYER, PRESIDENT, SALINE STATE BANK, WILBUR, NE, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION PAGE 92 STATEMENT OF DIANA L. ROBERTS, PRESIDENT, HERSHEY FEDERAL CREDIT UNION, HERSHEY, PA, ON BEHALF OF THE CREDIT UNION NATIONAL ASSOCIATION PAGE 95 STATEMENT OF JOHN D. GARRISON, PRESIDENT, WALDEN SAVINGS BANK, WALDEN, NY, ON BEHALF OF AMERICA'S COMMUNITY BANKERS PAGE 98 STATEMENT OF J. RAYMOND CURTIN, PRESIDENT AND CEO, EMPIRE FEDERAL CREDIT UNION, SYRACUSE, NY, ON BEHALF OF THE NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS PAGE 101 STATEMENT OF LELAND M. STENEHJEM, JR., PRESIDENT, FIRST INTERNATIONAL BANK AND TRUST, FARGO, ND, ON BEHALF OF THE INDEPENDENT BANKERS ASSOCIATION OF AMERICA PAGE 103 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING