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