11.   More unclaimed accounts may yet be found, George F. Krayer, president of the bankers association, said at a news conference.

12.   The bankers association said it was trying to release the large number of names in a manageable way, stopping short of full publication in newspapers.

13.   The bankers association said they were trying to release the large number of names in a manageable way and thus stopped short of full publication in newspapers.

14.   The bankers association has said it never intended to turn over the assests of Nazis to their heirs.

15.   The bankers association intends first to make recommendations to individual banks on what internal procedures to implement.

16.   The bankers association refused to speculate on what interest rate or formula would be used.

17.   The bankers association has only traced a tiny fraction of that but have set up an independent commission headed by former Federal Reserve chairman Paul Volcker to investigate further.

18.   The bankers association has refused to comment on the memorandum.

19.   The bankers association said one of its directors, Hans Baer, and a Washington-based lawyer, Boyden Gray, would attend the hearings.

20.   The formula could be complicated, and the bankers association refused to speculate Thursday on what rate would be used.