SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      5      6      8     11     14     17     21     23  
                25     28     29     32     35     38     40     43     46  
                48     49     50     54     55     57     58  
BEREUTER        35     36     37     38  
BUCK            21     31     35     36  
CAPITO           7     29     30     31     32  
DOLLAR          11     30     39     40     42     43     44     45     46  
GEE             23     29     37     38  
KROENER         18     38     47     48     54     55  
LATTIMORE       26     31     36     37     46  
MALONEY         40     41     42     43  
OLSON            9     29     30     32     40     42     49     50     51  
                52     53     54     57     58  
OXLEY            5  
ROSS             8  
SANDERS          3     50     51     52     53     54     55     56     57  
                58  
SHERMAN         43     44     45     46  
WATERS          32     33     34     35  
WATT            38     39     40  
WILLIAMS        14     33     34     35     41     48     49     56     57  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF MARK OLSON, MEMBER, BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM
                                                                 PAGE     9

STATEMENT OF HON. DENNIS DOLLAR, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION
                                                                 PAGE    11

STATEMENT OF JULIE L. WILLIAMS, FIRST SENIOR DEPUTY COMPTROLLER AND CHIEF COUNSEL, OFFICE OF THE 
COMPTROLLER OF THE CURRENCY
                                                                 PAGE    14

STATEMENT OF WILLIAM F. KROENER, III, GENERAL COUNSEL, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    17

STATEMENT OF CAROLYN BUCK, CHIEF COUNSEL, OFFICE OF THRIFT SUPERVISION
                                                                 PAGE    21

STATEMENT OF GAVIN M. GEE, DIRECTOR OF FINANCE, IDAHO DEPARTMENT OF FINANCE, ON BEHALF OF THE 
CONFERENCE OF STATE BANK SUPERVISORS
                                                                 PAGE    23

STATEMENT OF JERRIE J. LATTIMORE, ADMINISTRATOR, CREDIT UNION DIVISION, STATE OF NORTH CAROLINA, 
ON BEHALF OF THE NATIONAL ASSOCIATION OF STATE CREDIT UNION SUPERVISORS
                                                                 PAGE    26


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING