Photo 1. Panelists address audience. Panelists are: Tim Kubli, President, Bank of Rio Vista, Rio Vista, California; Craig Blunden, Chief Executive Officer, Provident Bank, Riverside, California; Jan Lynn Owen, Government Relations Manager (Western Region), Washington Mutual, Seattle, Washington.

2 Bank Commissioner Donald R. Meyer and Vice Chairman Reich listed to question from audience.

3. Meeting participants discuss issues.

4. FDIC Ombudsman Cottrell L. Webster and banker discuss issues.

5. Meeting participants discuss issues during round-table discussions.

6. Meeting participants discuss issues during round-table discussions.

7. FDIC General Counsel William F. Kroener, III, makes point during discussion.

8. Meeting participants discuss issues during round-table discussions.

9. Meeting participants discuss issues during round-table discussions.

10. Representative of trade association talks to banker and Federal Reserve regulator.

11. Meeting participants discuss issues during round-table discussions.