54 



U.S. Small business Administration 



Washington, d.C. 20416 



Testimony of 



BERNARD KULJK 



ASSOCIATE ADMINISTRATOR 



OFFICE OF DISASTER ASSISTANCE 



U.S. SMALL BUSINESS ADMINISTRATION 



Before 



THE SUBCOMMITTEE ON GOVERNMENT PROGRAMS 



COMMITTEE ON SMALL BUSINESS 



HOUSE OF REPRESENT ATTVES 



July 10, 1996 



