SPEAKER INDEX CONTENTS INSERTS BEREUTER 34 35 36 38 53 54 55 56 CASTLE 1 4 7 9 12 18 21 22 23 25 26 29 31 33 34 38 43 45 46 47 49 50 51 53 56 DOREY 4 23 31 36 48 54 FLAKE 26 28 29 47 49 50 GREENWOOD 7 22 34 37 45 52 JACKSON 29 31 33 43 47 48 49 50 51 KENNEDY 29 31 38 41 42 43 KONSTANTARAS 9 25 27 28 31 35 42 43 46 LOWRY 18 24 28 33 47 NUGENT 12 27 32 34 40 44 50 55 56 CONTENTS SPEAKERS INSERTS STATEMENT OF PAUL DOREY, GLOBAL HEAD OF OPERATIONAL RISK MANAGEMENT, BARCLAYS BANK, LONDON, U.K., ON BEHALF OF THE ELECTRONIC COMMERCE FORUM PAGE 4 STATEMENT OF DAN GREENWOOD, DEPUTY GENERAL COUNSEL, INFORMATION TECHNOLOGY DIVISION, COMMONWEALTH PAGE 7 STATEMENT OF ANDREW KONSTANTARAS, VICE PRESIDENT AND COUNSEL, VISA INTERNATIONAL PAGE 9 STATEMENT OF P. MICHAEL NUGENT, VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL FOR TECHNOLOGY AND INTELLECTUAL PROPERTY, CITIBANK PAGE 12 STATEMENT OF J. SCOTT LOWRY, DIGITAL SIGNATURE TRUST COMPANY, ZIONS BANK, SALT LAKE CITY, UT PAGE 18 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING