I would like to thank you for the opportunity to appear before you and members of the

subcommittee and to contribute by relating my experience in how I have suffered as a Small Business person as a result of abuse by the Resolution Trust Corporation, Federal Deposit Insurance Corporation, and their agent John Hanify as a result of their unlawful removal and concealment of original records from a state court when the S&L ComFed failed.

This letter acknowledges your request that my testimony include documentation of the

Rock Maple Flexible Sub-division Plan, and the commercial loan agreement with ComFed Savings Bank. In addition, I will include details of my case regarding the loss of my small business project as a result of the abuse by the Resolution Trust Corporation and their agent, John Hanify. My project was in tact after the failure of ComFed.

The written statement will be submitted to your offices, per your request, no later than 10

a.m., September 23, 1996, for timely distribution and dissemination to the subcommittee members, as well as for inclusion in the printed hearing record. In compliance with your Committee rules, (50) additional copies of my written testimony will be provided on the day of the hearing.

Allow me to reiterate my appreciation at being given an opportunity to address you and

the Subcommittee on a matter which has touched directly the lives of many Small Business persons in Massachusetts. May I also express the hope of my family that the Subcommittee will find the appropriate remedy and the proper relief, once it has had a chance to hear the grievous history of abuse by the RTC, FDIC, and their agent, John Hanify. Looking forward to seeing you on Wednesday.

Sincerely yours,