TECHNOLOGY Chase Manhattan unveiled a rewritten version of its home banking service and removed its fee. Page 5 The founder of UserWare has spent the past decade helping banks and other companies make ATMs and voice-response units more customer-friendly. Page 6 MORTGAGES Subprime lenders continued to report strong increases in profits, except for one in South Carolina. Page 9 In the complicated world of mortgage securities, traders are as specialized as physicians. Page 9 INVESTMENT PRODUCTS The pain of taking the Series 7 exam isn't just for brokerage employees; now more bankers are taking the test. Page 12 INSURANCE: BankBoston is getting deeper into the life insurance business through a joint venture with an insurance agency. Page 13 REGIONAL BANKING Firstar's chairman received a more than 50% smaller bonus at yearend 1996 than in 1995. Page 7 David Carroll, the 40-year-old chairman of First Union's Georgia bank, has always had his eyes on the next rung of the ladder. "I want to run a financial institution," says the hard-driven Mr. Carroll, and he has strategized his banking career to make it happen. Page 8 COMMUNITY BANKING The takeover fight between Southern California's Fallbrook National and Bank of Commerce is heating up. Page 10 CREDIT/DEBIT/ATMs Dean Witter, Discover wants to bag new cardholders from a cobranding agreement with supermarket cooperative Independent Grocers Alliance. Page 14 Visa U.S.A. is rolling out a multimillion-dollar campaign next month to educate consumers about credit management. Page 14 M&A REVIEW H.F. Ahmanson is now trying to jimmy the door open at Great Western Financial by getting three people elected to the thrift's board of directors. Page 21 Bank of New York is again going to court to expand its ownership position in State Street. Page 25 MARKET MONITOR Executives at subprime auto lenders say the industry must adopt more reliable accounting practices to recover from the fiascoes of recent months. Page 30 Bank bond investors waited nervously on the market sidelines as a record heavy week of economic statistics began. Back page

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