Mr. Jimmy Johnson:

In terms of prohibitions, smaller credit unions may not have many full-time employees and they rely heavily on volunteers to act as tellers on a Friday evening or a Saturday morning as well as offer other assistance to the credit union. Those individuals would also be on the board. Smaller credit unions which do not have a full complement of employees have to rely on their directors to offer voluntary assistance in operational roles within the credit union. The prohibition on voluntary assistants being members of boards could have a dramatic impact on smaller credit unions.