SPEAKER INDEX CONTENTS INSERTS ABBATE 57 63 71 72 73 78 BENTSEN 31 41 42 56 82 84 85 86 BLEY 19 20 21 22 23 24 25 26 27 31 33 34 35 36 42 83 CARPER 45 46 49 50 51 52 53 54 55 56 57 CASTLE 43 45 49 LAFALCE 9 MEIER 66 74 75 77 78 81 84 85 86 METCALF 8 30 31 PRENTICE 59 69 70 77 82 87 ROUKEMA 1 8 9 11 19 20 21 22 24 29 30 31 32 34 35 36 37 39 40 41 42 43 44 45 46 48 49 50 51 55 56 57 63 66 69 70 71 72 73 74 75 81 82 83 87 89 90 TRAIER 12 20 26 29 30 32 33 36 40 41 42 VENTO 4 22 23 24 25 26 27 28 29 30 34 35 36 37 38 40 41 42 51 52 54 55 74 75 77 78 79 81 86 87 88 89 90 WATT 32 33 34 35 36 38 39 40 CONTENTS SPEAKERS INSERTS STATEMENT OF MR. JOHN TRAIER, DEPUTY COMMISSIONER OF BANKING FOR THE STATE OF NEW JERSEY ON BEHALF OF THE CONFERENCE OF STATE BANK SUPERVISORS PAGE 12 STATEMENT OF HON. THOMAS R. CARPER, GOVERNOR OF THE STATE OF DELAWARE PAGE 45 STATEMENT OF STATE SENATOR MARGARITA PRENTICE, THE 11TH DISTRICT OF THE STATE OF WASHINGTON PAGE 59 STATEMENT OF MR. ANTHONY S. ABBATE, PRESIDENT AND CEO OF INTERCHANGE BANK, ON BEHALF OF THE INDEPENDENT BANKERS ASSOCIATION OF AMERICA PAGE 63 STATEMENT OF MS. MICHELLE MEIER, GOVERNMENT AFFAIRS COUNSEL, CONSUMERS UNION PAGE 66 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING