SPEAKER INDEX CONTENTS INSERTS BARR 19 20 21 CASTLE 1 4 5 8 10 12 13 14 17 19 21 22 23 25 26 27 31 32 38 39 44 46 47 48 49 50 51 52 COOK 14 15 16 17 23 24 25 FLAKE 4 FOLEY 5 11 12 13 14 15 16 18 21 22 23 24 26 GREENE 40 51 52 LUCAS 17 18 25 26 MELNIKOFF 31 33 39 45 46 47 52 OWENS 8 12 13 14 15 17 19 20 21 22 23 24 25 STEIN 27 48 49 50 CONTENTS SPEAKERS INSERTS STATEMENT OF MR. KEVIN T. FOLEY, DEPUTY ASSISTANT DIRECTOR, OFFICE OF INVESTIGATIONS, U.S. SECRET SERVICE, U.S. DEPARTMENT OF THE TREASURY PAGE 5 STATEMENT OF MR. CHARLES L. OWENS, CHIEF, FINANCIAL CRIMES SECTION, FEDERAL BUREAU OF INVESTIGATION PAGE 8 STATEMENT OF MR. ERIK STEIN, VICE PRESIDENT AND MANAGER, RISK MANAGEMENT ADMINISTRATION, GREAT WESTERN BANK OF NORTHRIDGE, CA, ON BEHALF OF THE CONSUMER BANKERS ASSOCIATION PAGE 27 STATEMENT OF MR. BORIS MELNIKOFF, SENIOR VICE PRESIDENT, FIRST WACHOVIA CORPORATION, ATLANTA, GA, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION PAGE 31 STATEMENT OF MR. EDWIN B. GREENE, PRESIDENT, UNITED STATES CHECK COMPANY, INC. PAGE 40 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING