Excerpt from The Economic Growth and Regulatory Paperwork Reduction Act S. 650: Hearings Before the Subcommittee on Financial Institutions and Regulatory Relief of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fourth Congress, First Session on S. 650, to Increase the Amount of Credit Availabl Billy Don Anderson, President ceo, Valley Federal Savings Bank, Shef field, al, ou behalf of America's Community B. About the Publisher Forgotten Books publishes hundreds of thousands of rare and classic books. Find more at www.forgottenbooks.com This book is a reproduction of an important historical work. Forgotten Books uses state-of-the-art technology to digitally reconstruct the work, preserving the original format whilst repairing imperfections present in the aged copy. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in our edition. We do, however, repair the vast majority of imperfections successfully; any imperfections that remain are intentionally left to preserve the state of such historical works.