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ABA Banking Journal ABA's American Bankers Association annuities application assets automated bank's Bankers Association bill bond branch cash check fraud Circle clients commercial community banks Community Reinvestment Act competitive compliance Conference consumer Coopers & Lybrand Corp Corporation costs deposits directors electronic electronic commerce employees exam fair-lending FDIC Federal fees financial institutions financial services Freddie Mac Glass-Steagall income investment investors issue lenders lending loan MasterCard ment MICR million Mondex mortgage mutual funds National Bank NationsBank offer operations payment portfolio president profitable rates Reader Service Card regulations regulatory retail risk savings says securities small business smart cards solutions strategy teller tion tomers transactions Trust U.S. Bancorp underwriting vice-president Windows 95