Stephen J. Hucal of Hudson's Bay Co. says the Canadian retailer even rewards customers who do not carry its card, because "we don't want to turn back a customer." Page 10
WASHINGTON
Banks are making headway toward resolving their year-2000 computer problems but are not out of trouble yet, regulators told lawmakers. Page 3
The Senate Banking Committee will hold a hearing Wednesday on the nomination of John D. Hawke Jr. as comptroller of the currency. Page 3
REGIONAL
A Cleveland thrift, hoping to attract customers turned off by big bank mergers, is expanding beyond northeast Ohio for the first time. Page 5
COMMUNITY
An activist shareholder is calling on Baltimore's Provident Bankshares to find a buyer. Page 6
MORTGAGES
As interest rates continue to fall and the end of the quarter nears, companies that specialize in brokering the sale of servicing rights are keeping busy. Page 8
INVESTMENT PRODUCTS
Downey Savings and Loan Association has begun referring customers seeking trust services to its Southern California neighbor First American Trust. Page 9
CARDS
Financial institutions' increasing reliance on ATM surcharges is helping sustain growth in deployment nationwide, according to a survey. Page 11
TECHNOLOGY
In a trend reminiscent of one from five years ago, banks are moving swiftly to make cash managementservices available over the Internet. Page 13
CORPORATE FINANCE
Two paper packaging companies are said to have shelved a $4.8 billion loan syndication that was expected to launch this week. Page 25
MARKETS
Citicorp and Travelers Group expect to cut 5% of their combined work force by the end of this year-almost 8,000 employees-as they seek $1 billion in cost savings with their merger, analysts said. Back page
