SPEAKER INDEX CONTENTS INSERTS BENTSEN 17 18 19 20 BIGGERSTAFF 43 45 46 53 CHAIRMAN 1 4 6 7 8 11 12 13 14 15 16 17 FENNER 8 12 15 16 FERGUSON 6 8 14 15 18 19 20 21 22 23 24 25 26 27 28 29 30 GRUCCI 25 27 29 30 31 35 38 40 HAGE 32 51 52 HILLEBRAND 35 50 HINOJOSA 23 24 25 KELLY 4 20 21 23 SCHRAM 40 46 47 48 53 TIBERI 31 42 45 46 47 48 49 51 52 53 54 WALKER 38 49 52 WATERS 3 WATT 25 26 27 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. ROGER W. FERGUSON, JR., VICE CHAIRMAN, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 8 STATEMENT OF ROBERT M. FENNER, GENERAL COUNSEL, NATIONAL CREDIT UNION ADMINISTRATION PAGE 12 STATEMENT OF CURTIS ''CURT'' L. HAGE, CHAIRMAN AND CEO, HOME FEDERAL BANK PAGE 32 STATEMENT OF GAIL HILLEBRAND, SENIOR ATTORNEY, CONSUMERS UNION PAGE 35 STATEMENT OF DAVID WALKER, PRESIDENT AND CEO, ELECTRONIC CHECK CLEARING HOUSE ORGANIZATION PAGE 38 STATEMENT OF LEE SCHRAM, VICE PRESIDENT AND GENERAL MANAGER OF PAYMENT SOLUTIONS, NCR CORPORATION PAGE 40 STATEMENT OF JOEL BIGGERSTAFF, CEO, AIRNET SYSTEMS, INC. PAGE 42 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING