frsbog_mim_v32_index.pdf

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7/17/2019 frsbog_mim_v32_index.pdf http://slidepdf.com/reader/full/frsbogmimv32indexpdf 1/13 3 IEDEX  TO  MIMEOGRAPH LETTERS, JAHUARY-JUHE,  1950 /& &  .<-/ m a j . fage. Aooeptanoes, eligibility  of  draft drama against staples placed with independent converter  or  processor; ruling  364 Address: Piatt, Edmund, before  New  England Council, Poland Spring, Maine 569-584 Young,  a* A.— Before American Automobile Association 366-373 Before American Bankers Association,  Old  Point Comfort,  Va.  414-422 Before Michigan Bankers Association, Grand Rapids, Mich. 589-597 Before Minnesota Bankers Association,  St.  Paul, Minn* 608 618 Admission  of  State banks  to  Federal reserve system  1-26 Amendments  to  Federal  Be  serve Act* Bill  (H. R.  10211) introduced  in  Congress  by  Congressman Steagall, providing  for a  change  in  distribution  of earnings  of  Federal reserve banks 659-666 Bill  (H, R.  7966) Introduced  in  Congress  by  Congressman MoFadden, comments  on,  requested  74 Bill  (S.  4725) introduced  in  Congress  by  Senator Glass; summary  by  counsel's office 652-655 Bgoommended  by  Board  to  Congress; memo,  of  General Counsel 99-104,397-399 Transmitted  to  Federal reserve agents  and  governors 413,679-685 Amendments  to  regulations.  (Set  Begalations.) Annual report  of  Board, legislation submitted  to  Congress; memo,  of  General Counsel 99-104,397-399 Assessment  for  expenses  of  Board 629-630 Attorney General, opinion  of,  regarding branches maintained by a  national bank formed  by  consolidation  or  conversion of  State bank 89-97

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7/17/2019 frsbog_mim_v32_index.pdf

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3

IEDEX  TO MIMEOGRAPH LETTERS, JAHUARY-JUHE,  1950

/& &

  .<-/

m a j .

f age .

Aooeptanoes , e l ig ib i l i ty  of  d r a f t drama aga ins t sta pl es placed

with independent converter  o r  processor ; ru l in g  364

Address:

Piatt, Edmund, before  New  England Counc il, Poland Sp rin g,

Maine 569-584

Young,

  a * A .—

Bef ore American Automobile As so ci at io n 366-373

Before American Bankers Association,

  O ld

  Point

Comfort,

  V a .

  414-422

Before Michigan Bankers Association, Grand Rapids,

Mich. 589-597

Before Minnesota Bankers Association,

  S t .

  Paul, Minn*

608 618

Admission  o f  State banks  t o  Federal reserve system  1 - 2 6

Amendments  t o  Federal  Be se rve Act*

B i l l  ( H. R .  10211) introduced  i n  Congress  by  Congressman

Steagal l , p rovid ing  f o r a  change  i n  d i s t r i b u t i o n  o f

earnings  of  Fed era l re se rv e banks 659-666

B i l l

  ( H, R .

  7966) Introduced

  i n

  Congress

  b y

  Congressman

MoFadden, comments

  o n ,

  requested

  74

B i l l

  ( S .

  4725) introduced

  i n

  Congress

  by

  Senator Glass;

summary  b y  co uns el 's of fi ce 652-655

Bgoommended  by  Board  t o  Congress; memo,  o f  General

Counsel 99-104,397-399

Transmitted  t o  Federal reserve agents  a nd  gover nors 413,679-685

Amendments  t o  r eg u l a t i o n s .  ( S e t  Begalat ions.)

Annual report  o f  Board, le gi sl at io n submit ted  t o  Congress;

memo,  of  General Counsel 99-104,397-399

Assessment  f o r  expenses  of  Board 629-630

Attorney General, opinion  o f ,  regarding branches maintained

b y a  national bank formed  b y  consol idat ion  o r  conversion

of  St a t e bank 89-97

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  2 )

Baker, Hewton

  D . ,

  expenses

  a s

  counsel

  i n

  Eaicible case

Bank stock investments held

  by

  St at e member ban ks; da ta

requested

Banks dosed

  a n d

  banks reopened

Branch banks, opinion

  of

  Attorney General regarding, which

may be  maintained  b y a  national bank formed  b y a c o n -

s o l i d a t i o n

  of

  State bank

Branch, chain,

  a n d

  group banking:

Committee  o n ,  changed from Board committee  t o  bank  com-

mittee

Digest

  o f

  d a t a

  i n

  Board's possession; submitted

  b y G en -

eral Counsel

Beeomnendations, regulations,  a n d  adminis t ra t ive po l i -

c i e s r e l a t i v e

  t o ;

  submitted

  b y

  General Counsel

76

383

27-56

89-97

407

234-305

212-232

211

e

 serve Committee Appointed

Branches  of  Federal reserve banks:

L i s t  o f  o f f i c e r s  a n d  di re ct or s 105-132

Terri tory; data requested

  705

Bureau

  o f

  Engraving

  a n d

  Print ing accounts:

F o r

  pr in ti ng Federal res erve not es 75,133,374,390,424,599,686

F o r  e s t ab l i s h i n g  a  working re se rv e st oc k 425,426

Cal l rep or t ; paper e l ig ib le

  f o r

  red is cou nt; dat a requ est ed 699,715

Canadian cur ren cy, conversion

  of

  384-386

Capital s toc k holdings

  of

  member banks; data requested

  73

Case,

  J . H . ,

  appointed Federal Reserve Agent

  a t New

 York

  210

Chain banking.  (See  Branch, Chain,  and  Group basking.)

Check clearing

  a n d

  col lect ion :

Opinion

  of

  Circuit Court

  o f

  Appeals, Georgia,

  i n

  case

of

  Ear ly

  &

 Daniel

  G o . v s .

  Beciever

  of

  Fourth

  N a-

tional Bank  of  Macon 352-363

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 3)

Page

Cheek clearing  a n d  collection—Continued:

Opinion  o f  Dis t r i c t Cour t  o f  Minnesota  i n  case  o f  I n t e r -

national Shoe  C o . v s . F . R .  Batik  o f  Minneapoli s 147-155

Opinion  o f  Dis t r ic t Cour t  o f  Minnesota  i n  ease  of  Osage

National Bank  v s . F . R .  Bank  o f  Minneapoli s 337-346

Opinion  o f  Superior Court  of  Florida  i n  case  of -Ed-

wards, receiver  of  Sowanee River Bank  v s .  Lewis 59-70

Opinion  of  Supreme Court  o f  Colorado  i n  case  o f  F i r s t

Rational Bank  o f  Denver  v s . P . R .  Bank  of  Kansas

City; comments  o f  couns el 317-329

Opinion  o f U , S .  Circuit Court  o f  Appeals, Georgia,

growing  ou t o f  f a i l u r e  of  First national Bank

of  Dublin,  G a .  375-379

Regulation  J ,  amendment  t o . ( Se e  Regulation  J . )

Clayton  A c t ,  e f f e c t  o f  consol idat ions  on  permits issue d

under ; ru l ing  667

Closed banks:

Data requested  693

List of 27-56

Code words;

Five  p e r  cent redemption fund  347

T r eas u r y ce r t i f i c a t e s  of  indebted nes s 316,359

Committee  on  Bank Rese rves, d at a requ est ed  on  member bank

vault cash  a n d  currency  i n  t r a n s i t

Committees  o f  Fe dera l Reserve Board, l i s t  o f

Condition  of  Federal reserve banks, correct ions  i n  weekly

statement

Condition  of  member banks:

Fora

  105—

Forwarding

  o f

Data requested

708-711,716

7 1

696,713

701,720

706

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(4)

Congress:

B i l l

  (H, R .

  10211) Introduced

  fey

  Congressman Steagall,

p rovid ing  f o r a  change  i n  d i s t r i b u t i o n  o f  earnings

of  Fe de ra l re se rv e banks 659-666

B i l l

  (H. R

e

  7966) introduced

  b y

  Congressman McFadden; cont-

inents  o n ,  requested  7 4

B i l l

  ( S .

  4723) introduced

  t y

  Senator Glass; stannary

  b y

Cou nse l's Of fi ce 652-655

Legislation recommended; memo,

  of

  General Counsel 99-104, 397-599

Consolidat ions, bank  1 - 2 6

Counsel  o f  Federal reserve banks:

Conference  o f , t o  consider amendments  t o  Regulation  J —

Program  544

Record  of  pro ceedi ngs 620-628

Recommendations

  o f

  General Counsel, banks' counsel,

e t c .  428-531,585

Text

  o f

  su gg es te d amendments 546-548

Expenses  of  Hewton  D .  Baker  i n  Baichle case  76

Court opinions;

Circui t Court  of  Appeals, Georgia,  i n  case  o f  Ear ly  &

Daniel  C o . v s .  Reciever  of  Fourth national Bank

of

  Macon; check co ll ec ti on tr an sa ct io n 362-363

Dis t r ic t Cour t  o f  Minnesota  i n  case  o f  In te rna t iona l

Shoe

  C o. v s . F , R .

  Bank

  o f

  Minneapolis; check

co lle ct ion t ra nsa ct i on 147-153

Dis t r i c t Cour t

  o f

  Minnesota

  i n

  case

  o f

  Osage Rational

Bank  v s . F . R*  Bank  o f  Minneapolis; cheek collec-

ti on tr an sa ct io n 337-346

Dis t r i c t Cour t  o f  Georgia  i n  case  of  Bobbit t  v s . F , R .

Bank  o f  Atlanta; recovery  o f  co ll a te r al 669-672

Superior Court  of  Flor ida  i n  case  of  Receiver  o f S u -

wanee River Bank  v s .  Lewis; check collection

transaction 59-70

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Page

Court opinions—Continued;

Supreme Court

  of

  Colorado

  i n

  oase

  of

  Fi rs t nat ional

Bank  o f  Denver  v s . F . R .  Bank  of  Kansas City;

check co l l ec t i on t r ans ac t io n; eonments  o f  coun-

s e l

U . S .  Circui t Court  o f  Appeals, Georgia; check collection

t r an s ac t i o n ; f a i l u r e  of  First Hatianal Bank  o f  Dublin,

Ga.

Currency:

Canadian, conversion  of

Cancel la t ion  a n d  des t ruc t ion  o f  Federal reserve notes  of

o l d  se r i es ; r epo r t  of  committed

Go l d ce r t i f i c a t e s

  o f o ld

  size, Federal reserve banks,

  r e -

quested

  t o

  exchange

  for new

  s i ze ce r t i f i c a t e s

Separat ion  of o ld and new  se r i es d iscont inued  on  Form  160

Daylight saving schedule

Debits  t o  individual accounts, data requested

Directors  o f  Federal reserve banks:

Case,  J . H . ,  appointed Class  C a t New York

Elec t ion  o f —

Recommendations

  of

  Federal Reserve Agents' Confer-

ence re la t ive

  t o

317-329

376-379

384-383

313-315

330-333

600

402

698

210

142

Uniform plan  of  designat ion  of  o f f i c e r s  t o  vote  i n ;

r eso lu t ion  of  Federal Reserve Agents' Confer-

en ce ; form 408-411,533

M e t o f

  105-132

MoGarrah, Gates

  W .,

  res ignat ion

  o f , a t Hew

  York

  • 210

Wells , Hol la , res ignat ion  o f , a t S t .  Louis  427

Wood, John  S . ,  appointed  a t S t .  Louis  427

Discount rates  of  Federal reserve banks, changes  i n :

At lan ta

  395

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  6 )

Page

Discount rates

  of

  Federal reserve banks, changes in—Continued:

Boston 141,423

Chicago 138,633

Cleveland 137,336,588

Dallas 139,392

Kansas City

  144

Minneapolis 136,396

Hew

  York 135,33 5,412 ,631

Philadelphia 78,351

Richmond 134,393

S t ,

  Loui s 140,394

S a n

  Francisco

  373

Dividends

  of

  Federal reserve banks, payment

  o f ;

  data requested

  718

Earnings

  of

  Federal reserve banks*

B i l l

  (H, R .

  10211) introduced

  i n

  Congress providing

  f o r a

change

  i n

  d i s t r i b u t i o n

  o f

  659-666

Press statement  687

Examination

  o f

  St at e member banka; d at a req ues ted

  7 2

Exchange, Federal reserve, l iabi l i ty incurred

  by a

  member bank

i n

  purchasing; rul ing

  57

Expenses

  o f

  Federal Reserve Board, assessment

  f o r

  629-630

Federal Advisory Council:

L i s t  of  members 105-132,233

Organization meeting  146

Fed era l Fans Board, expenses  of  Federal reserve banks  i n

handl ing mat ters

  f o r ,

  payment

  o f ;

  dec i s ion

  of

  Comp-

t r o l l e r General 350,549-552

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  7 )

Jage

Federal

  Be

 serve

  A c t ,

  amendments

  t o :

B i l l  (H. R .  10211) introduced,  i n  Congress  b y  Congrss-

man

  Steag&ll, providing

  f o r a

  change

  i n

  d i s t r i b u -

t i o n

  o f

  eap&ings

  o f

  Fed eral re se rv e banks 659-666

B i l l

  (H. H .

  7966) introduced

  i n

  Congress

  b y

  Congress-

man

  MoFadden, comments

  o n ,

  requested

  7 4

B i l l

  ( 8 .

  4723) Introduced

  i n

  Congress

  b y

  Senator Glass;

stuanary  b y  Couns el' s Of fi ce 652-655

Be

 commended

  b y

  Board

  t o

  Congress; memo,

  o f

  General

Counsel 99-104,397-399

Transmitted  t o  Federal  Be ser ve Agents  a n d  Governors 415,679-685

Federal

  Be

 se rve Agent*

Case,

  J . H . ,

  appointed

  at Rem

 York

  210

HeGarrah, Gates

  V . ,

  res igna t ion

  of , a t Hew

  York

  210

Wells, Holla, resignat ion

  o f , a t S t .

  Louis

  427

Wood, John

  S . ,

  appointed

  a t S t ,

  Louis

  487

Federal

  Be

 ser ve Agents* Confer ence:

Recommendations relative  t o  e l ec t i o n  of  d i r ec t o r s  o f

Federal reserve banks

  142

Be

 so lu t ions r e l a t ive

  t o

  uniform plan

  of

  designat ion

of

  o f f i c e r s

  t o

  vote

  i n

  e lec t ions

  o f

  di re ct or s 408-411

Federal Reserve Bank

  o f

  At lan ta ,

  1 , C»

  Bobbitt

  v s . ;

  t r a n s -

f e r o f  c o l l a t e r a l  b y  First national Bank, Dublin,  G a . ~

B i l l  o f  compla int 154-180

Answer

  of F. R*

  Bank 181-206

Decision

  of U . S ,

  D i s t r i c t Court 669-672

Federal Reserve Bank  of  Kansas City, First Rational Bank  of

Denver

  v s . ;

  check col lec t io n t ra nsa ct i on; opinion

  o f

Supreme Court  o f  Colorado; comments  b y  counsel 317*^29

Federal Beserve Bank  of  Minneapolis:

International Shoe

  C o . v s . ;

  check col lec t io n t r an sa ct ion ;

opinion

  o f

  co ur t 147-153

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  8 )

Federal Reserve Bank  o f  Minneapolis—Continued:

Page

Osage National Bank

  v s . ;

  check col l ec t i on t ra nsact ion ;

opinion

  o f

  co ur t 337-346

79

Federal re ser ve bank sto ck, ad di ti on

  t o , by

  member bank;

rul ing

Federal reserve banks:

Earnings  o f —

B i l l  (H. B

e

  10211) introduced  i n  Congress providing

f o r a

  change

  i n

  d i s t r i b u t i o n

  o f

  659-666

Press s tatement

  W

Expenses  f o r  handling matters  of  Federa l Farm Board,  p a y -

ment  o f ;  dec i s ion  o f  Comp trol le r General 350,549—552

O f f i c e r s

  and

  d i r e c t o r s , l i s t

  o f

  105-132

Federal

  Be

 serve Board:

Committees  of 71

Expenses

  o f ,

  assessment

  f o r

  629-630

Regulations.

  ( S e e

  Regulations.)

Resolutions

  on

  open-market investments

  of

  Federal

  r e -

serve banks 82-85

Federa l re se rve d i s t r i c t s , t e r r i to r y :  705

Federal reserve exchange, l iabil i ty incurred

  by

  member bank

i n

  purchasing; ruling

  57

Federal reserve notes:

Accounts

  o f

  Bureau

  of

  Engraving—

F o r

  e s t a b l i s h in g

  a

  working re ser ve s t o c k 425,426

F o r

  pr i nt in g 75,133,374,390,424,599,686

Cancel la t ion  a n d  des t ruc t ion  o f o l d  se r ie s ; repor t  of

Specia l

  a n d

  De st ru ct io n Committees 313-315

Fiduciary powers granted

  t o

  national banks

  1 - 2 6

Form  B, of  ins t ruc t io ns governing prepara t ion  o f  707,712

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( 9 1

Page

Form

  4 4 a ,

  r ev i s i o n

  of 697

Form  105*

Forwarding

  o f

  701,720

Data requested  706

Free gold , data requested

  694

Functional expense reports  o f  Fed era l re se rv e banks 688-692,702,719

Glass, Senator , b i l l in troduced  b y , t o  amend national bank

a e t a n d  Federal reserve  a c t ;  sunmary  o f provis ions  com-

p i l e d  b y  co uns el 's of fi ce 652-655

Go l d ce r t i f i c a t e s  o f o l d  size, Federal reserve banks requested

t o  exchange  f o r n e w  s ize ce r t i f ic at es 330-333

Group banking.

  ( Se e

  Branch, chain,

  and

  group banking.)

Harding,  W . p . G . ,  governor  of F . H.  Bank  of  Boston, death  of 39 1

Holidays:

Arbor  Day  (Salt Lake City, Omaha)  348

Birthday

  of

  General Forrest (Hashville, Memphis)

  632

Confederate Memorial  Day  4 0 0 , 5 3 2

Cuban Independence

  Day

  (Havana)

  400

Elec t ion  Day (  Kansas Gity)  145

Good Friday

  348

Hal i f ax  Day  (Char lo t te)  348

Jefferson Davis Bir thday  352

Lincoln 's Bir thday  81

Mardi Gras  Day (Hew  Orleans, Birmingham)  145

Maryland  Day  (Baltimore)  145

Mecklenburg Independence  Day  (Charlot te)  400

P a t r i o t ' s

  Day

  (Boston)

  348

Pioneer  Day  (Salt L&Ieb City)  632

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  10)

Page

Holidays—Continued:

Primary Election Day—

Dal l a s ,  E l  Paao, Houston,  San  Antonio, Oklahoma City  632

Kansas City  145

Por t land

  400

San  Jac in to  Day  (Dal las ,  E l  Paso, Houston,  Sa n  Antonio)  348

Southern Memorial  Day  (Atlanta, Birmingham, Jacksonville)  348

Texas Independence

  Day

  (Dal las ,

  E l

  Paso, Houston,

  Sa n

  Antonio)

145

Thomas Jefferson's Birthday (BiiminghanO  548

Washington's Birthday

  81

Infcerdistrict t ime schedule, changes

  i n

  401,619

Internat ional Shoe  G o . v s . F

#

  R .  Bank  o f  Minneapolis; check

col lect ion t ransact ion ; op in ion

  o f

  co ur t 147-153

Law

  Department:

Acceptances drawn ag ai ns t st ap le s plac ed wi th independent

conver ter  o r  prooesser  364

Additio nal Bfederal res erv e hank stock , su bs cr ip tio ns  to 79

Clayton

  A c t

  p e r m i t s , e f f ec t

  of

  batik consolidations

  on 667

l i a b i l i t y I n c u r r e d

  b y

  member bank

  In

  purchasing Federal

reserve exchange  57

Leased wire system, st atem ent

  of

  expense 86,20 7,380, 404,53 5,656

l i a b i l i t y i n c u r r e d

  b y

  member bank

  i n

  purchasing Federal

  r e -

serve exchange^; ruling  57

MoGarrah, Gates

  V . ,

  res igna t ion

  o f , a s

  Federal Reserve Agent

a t Hew York  210

Member banks:

Admissions

  a nd

  withdrawals from system

  1 - 2 6

Bank stock investments held  b y  State banks; data requested  383

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  11)

Member baafes—-Continued:

Capi tal st ook hold ings ; data requested

Closed

Examination

  o f ,

  data requested

Liab i l i t y incu r red  b y , i n  purchasing Federal reserve  e x -

change; ruling

Mergers, bank

national banks:

Branches maintained

  b y , on

  consol idat ion

  o r

  conversion

o f

  State bank; opinion

  b y

  Attorney General

Closed banks

Trust powers granted

  t o

Of f i ce r s  o f  Federal reserve banks, l is t  o f

Open-market operations

  o f

  Federal reserve banks:

Procedure governing, outlined

  b y

  Board

Analys is

  of

  replies reoieved from

  F . R .

  banks

Open Market P ol i cy Conference

Page

73

27-56

7 2

57

1 - 26

89-97

27-56

1 - 26

105-132

82-85,387*389

306-312

389,403

89-97

Opinion

  o f

  Attorney General

  r e

  branches amintained

  by a

national bank formed

  b y

  oonsoliat ion

  o r

  conversion

of  State bank

Opinions

  of

  co u r t s ,

  ( See

  Court opinions.)

Piatt, Edmund, address

  o f ,

  before

  Hew

 England Counc il , Poland

Spring,  Me*  569-584

Press statements:

Address

  o f

  Edmund P i a t t

Addresses  of R. A ,  Young

Conversion

  of

  Canadian currency

569-584

366,414,589,608

386

Discount rates

  of F . R,

  banks.

  ( See

  Discount rates,)

Earnings

  of F , R,

  banks

687

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  12)

P r o f i t  a n d  loss account  o f P . R .  banks, data requested

Regolation

  A ,

  amendment

  t o

Begulation

  H ,

  amendment

  t o

Regulation  I ,  amendment  t o

Regulation

  J ,

  amendment

  t o —

Conference

  of

  Counsel

  of F* R ,

  batiks

  t o

  consider—

Program

Record

  of

  proceedings

Reoanmendations

  o f

  General Counsel

  a n d

  banks*

counsel

Recommendations  o f  Sewton  D .  Baler

Text

  of

  amendments

Begulation

  K ,

  amendment

  t o

Regulation  L ,  amendment  t o

Reserves, member-bank*

Calcu la t ion

  a s a t

  c lose

  o f

  previous

  d a y ,

  study

  o f , b y a

proposed committee

Excess, data requested

Free gold , data requested

Resolutions

  o f F . R .

  Agents ' Conference relative

  t o

  uniform

plan

  o f

  designation

  of

  o f f i c e r s

  t o

  vote

  i n

  e l e c t i o n s

  o f

Class

  A, and B

  d i rec to rs

Resolutions  of F* R.  Board regarding open-marlst operations

of F , R .  banks

Rulings

  o f

  Board.

  (S ee Law

 dep artment,)

State banks:

Admissions  a n d  withdrawals from system

Bank stock investments held

  b y

  menibers; data requested

Page

7 0 3

6 5 3 - 5 6 6

6 0 1 - 6 0 4 , 6 7 7

6 0 5 - 6 0 7

5 4 4

620 628

4 2 8 - 5 3 1 , 5 8 5 , 6 7 5

6 3 4 - 6 5 1 , 6 7 3

5 4 6 - 5 4 8

5 6 7

5 6 8

9 8 , 3 3 4

6 9 4

6 9 4

4 0 8 - 4 1 1

8 5

1 -26

3 8 3

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(13)

State banks—Continued:

Branches

  o f ,

  maintaining

  o f , o n

  consol idat ion

  o f

  conver-

sion Into  a  national bank; opinion  o f  Attorney General 89-97

Clo sed banks 27-56

Examination,

  o f ;

  data requested

  7 2

Stook, Federal reserve bank, additions  t o , b y  member ban k; r u l i n g  79

Telegraph:

Code words-

Five

  p e r

  cent redemption fond

  347

Treasu ry ce r t i f i ca t es  o f  inde btednes s 316,596

Leased wi re system, expense 86-68,207-209,300-3 82,404-406, 656-658

l ime schedule , in terd is t r io t , changes

  i n

  401,619

Treasury Dept. Circular  Ho , 176 ,  suggested changes  i n , b y G e n -

e r a l Counsel 539-643

Trust powers granted  t o  national banks  1 - 2 6

Wells , Rol la , res ignat ion

  o f , a s ? « R .

  Agent

  a t S t ,

  Louis

  427

Withdrawals  of  St at e banks from system 1,2 ,6, 10, 11, 20, 21, 22, 23, 25

Wood, John

  S , ,

  appointed

  F* R .

  Agent

  a t S t .

  Louis

  427

Young,  R , A . ,  address  b y :

Bef ore American Automobile Ass n. 366-372

Before American Banters Assn.,  O ld  Point Comfort,  V a .  414-422

Befo re Michigan Bankers As sn ., Grand Rapid s, Mich. 589-597

Before Minnesota Bankers Assn.,  S t .  Pa ul , Minn. 608-618