SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      4      5      6      7      8     11     14     15  
                16     25     26     29     32     36     37     38     39  
                40     41     42     43     44  
CHENEY          29     37     39     40     43  
CUSTER          26     36     39     40     42  
DAVIS           16     17     18     19  
JACKSON         26     32     38     41     43  
JOHNSON          8     15     16     18     19     20     21     22     23  
                24  
LITTLE          11     14     15     17     19     23     24  
MALONEY         23     24  
ROYCE            5     19     20     21     23     24  
SANDERS          4      7  
SHERMAN          6      7     21     22     23  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF JOANN JOHNSON, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION
                                                                 PAGE     8

STATEMENT OF ROGER W. LITTLE, DEPUTY COMMISSIONER OF CREDIT UNIONS, MICHIGAN OFFICE OF FINANCIAL 
AND INSURANCE SERVICES, REPRESENTING THE NATIONAL ASSOCIATION OF STATE CREDIT SUPERVISORS
                                                                 PAGE    11

STATEMENT OF SHARON CUSTER, PRESIDENT AND CEO, BMI FEDERAL CREDIT UNION, REPRESENTING THE CREDIT 
UNION NATIONAL ASSOCIATION
                                                                 PAGE    26

STATEMENT OF BILL CHENEY, PRESIDENT AND CEO, XEROX FEDERAL CREDIT UNION, REPRESENTING NATIONAL 
ASSOCIATION OF FEDERAL CREDIT UNIONS
                                                                 PAGE    29

STATEMENT OF WILLIAM E. JACKSON III, ASSOCIATE PROFESSOR OF FINANCE AND ECONOMICS, UNIVERSITY OF 
NORTH CAROLINA
                                                                 PAGE    32


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING