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THE COMPTROLLER OF THE CURRENCY WASHINGTON J a n u a r y 5 , 1939 Honorable M a r r i n e r 3 . E c c l e s , Chairman, Board o f Governors, F e d e r a l Reserve B o a r d , Washington, D»C. My dear M a r r i n e r : I n o r d e r t o complete y o u r f i l e and b r i n g y o u t o d a t e i n t h e m a t t e r o f our c o n v e r s a t i o n s w i t h t h e Bank o f America I am e n c l o s i n g a copy o f M r . L• M. G i a n n i n i f s r e p l y t o my l e t t e r o f December 2 2 , 1938* Very s i n c e r e l y y o u r s , P r e s t o n Delano