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J. I. H . H E R B E R T 330 "WEST 3 4 W STREET HEW YORK CITY December 19, 1935. Dear Mr. Secies: It is a pleasure to send the Season greetings, and to wish you "A Merry Christmas and A Happy New Tear." I trust that 1935 has brought its share of happiness and prosperity to you and that your hopes for the coming year will be realized in full measure. Vith kindest regards, Tours very truly, Mr* M. S. Eccles, c/o Federal Reserve Board, Washington, D. C. Chairman xxxxxxx December 20, 1935' Dear Mr. Herbert: I was delighted to receive your letter of Season’s Greetings, and wish to take this occasion to reciprocate them. Feeling that you may be interested in reading the address which I made before the American Bankers Association at its convention held in New Orleans in November, I am enclosing a stenographic report, as taken down by the con vention’s reporter. I did not prepare a written speech, but spoke from some notes which I wrote after I got to flew Orleans. With kindest personal regards, Sincerely yours, Mr. J. I. H. Herbert, 33P West 34th Street, New York City. enclosure MSE:VE:b