Anthony P. Terracciano, president of First Union, will participate in a panel discussion on the future of financial services and the banking industry December 3. The panel will be moderated by President Philip E. Austin and will include Robert Gilmour, professor of political science, John Glascock, professor and head of the finance department, and Arthur Wright, professor of economics.

The financial services industry is experiencing great change - from the consolidation of major accounting firms into the Big Four to the integration of banking services on the Internet. Terracciano, one of the nation's leading bank executives, offers the community a firsthand look at potential changes in the industry and their impact on consumer choices and products.

Terracciano worked with Chase Manhattan and Mellon Banks before joining First Union.