Article: Credit Union Conversion Guru Calls Trend Inevitable.(Richard S. Garabedian helps credit unions converts to mutual savings banks)

With 10 conversions of credit unions to mutual savings banks under his belt, the Washington lawyer Richard S. Garabedian has the process down to something of a science. Consider the notice he composed for the membership meeting a credit union must hold before conversion.

Such notices, replete with required disclosures, can run several pages and cost a small fortune to mail. Mr. Garbedian's version is concise enough to need only a 34-cent stamp, and for the membership voting he designed a postcard ballot.

"Clients appreciate things like that," he said.

Mr. Garabedian, who joined the law firm of Jenkens & Gilchrist PC last year, said he devotes ...

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