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PERSONAL ROTES If any of the following persons are present, you may wish to make some reference to them. SENATOR RADCLIFFE— President Roosevelt was for some years after the war vice president (in New ïork) of the Fidelity & Deposit Contoany of Maryland. Mr. Radcliffe was at the same time president of the American Bonding Company, one of the F. & D. subsidiaries. Hence Mr. Radcliffe is sometimes referred to (not quite accurately or quite seriously) as the President’ former "boss.” s Mr• Radcliffe and MR. JOHN E. SEMMES. you may remember took part in some of the early meetings of the President's Housing Committee. Mr. Semmes is a prominent lawyer who is identified with the ownership and management of the BALTIMORE SUN, of which he is one of the trustees. HUGH POTTER, president of the National Association of Real Estate Boards until last month, when his term expired. He is a champion debater out of Harvard, a hard-hitting Texas Democrat, and a warm supporter of the President. He was a vigorous advocate of Title I and Title II of the Housing Act, though somewhat lukewarm on Title III because of his Association’ position on a mortgages discount bank. WALTER SCHMIDT, now president of the National Association of Real Estate Boards and the author of the plan for a mortgagediscount bank, for which he has been fighting hard in Washington for the past four or five years. "HERB”NELSON, secretary of the National Association of Real Estate Boards, who worked side by side with Potter in Washington last year. He is veiy popular among the local boards. My recollection is that you met all of these men last year.