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Executive Editor: Barbara Hurst
Contributing Editor: Genilee S. Parente

Board of Advisors:
Charlotte Bahin, Esq.
David Battle
Brooke Blake
John S. Byrne, Esq.
Peter G. Djinis, Esq.
William Gearin
Lucy H. Griffin
Mary Beth Guard, Esq.
Boris F. Melnikoff
Robert G. Rowe, III, Esq.
Roger J. Snell
Dana Turner
William R. Wipprecht
Vol. 14, No. 4
This issue went to press on July 29, 2004.
Table of Contents

Speak Up! Comments On Regulatory Burden Needed
Series HH Savings Bonds will no longer be offered to the public after August 31, 2004.

Update On Check 21
The Bad News and the Good News

More Check 21 Products Rolling Out
Additional sources to help prepare for Check 21

Chinese Credit Card
A foreign-branded credit card Chinese consumers traveling abroad can use at both ends of the trip.

In The News Statistics, Facts, & Such

Training Page: Medallion Signature Guarantee
A number of companies have developed products to help banks take advantage of Check 21. This training page shares with our readers and administrators the kind of systems that are available to help prepare for Check 21.

From the editor's desk…Two Wrongs Don't Make a Right
Customer privacy has been so pounded into our heads, that in many cases employees are reluctant to report what in their hearts and heads they know is wrong. Where do you draw the line?

Deterring "Smash and Grabs"
Automated Teller Machine manufacturers and deployers are getting more aggressive in combating the ever-increasing crime of using physical force to pull a machine out of its location and cart it off.

War Stories Questions & Answers What Do Other Bankers Do? Top