SPEAKER INDEX    CONTENTS   INSERTS   
CLEMENTS        69     74     75     78  
DOUGLAS         20     21     29     31     32     36     39     40     41  
                43     44     45     46     47     48     49     50     51  
                52     53     55     58     60  
GLASS           98  
GOODE           12  
HENDRICKS      101    102    109    111    112    113    118  
KELLY           12     58     59     60  
KILPATRICK      52     53     54     55     56     57  
LAFALCE          5     12     31     32     33     34     35     36     76  
                77     78     79     80     81    102    109    111    112  
               113    114  
LAZIO           46     48     49     51     52  
LEACH            1      8     11     12     20     21     26     29     30  
                38     41     46     51     52     57     61     62     65  
                69     73     74     75     76     81     84     85     89  
                93     94     97    101    105    108    114    120  
LEE             81     83     84     85  
MCCLAIN         93     94    114    115    119  
MELNIKOFF       90    115  
ROUKEMA          8     38     40  
SCHRADER       106    116    117  
SCHWEITZER      13     27     31     32     33     34     35     36     40  
                41     44     50     53     54     55     56     57     59  
                60  
SHERMAN         89  
THOMPSON        62     74     78     79     80     83     84     85     86  
                87  
VENTO            9     42     43     44     45     46     85     87     88  
               114    115    116    117    118    119  
WILLIAMS        65     73     75     76     77     78     79     80     82  
                83     85     88  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF AL SCHWEITZER, PRIVATE INVESTIGATOR AND SECURITY CONSULTANT, BOULDER, COLORADO
                                                                 PAGE    13

STATEMENT OF ROBERT DOUGLAS, PRESIDENT, DOUGLAS INVESTIGATIONS, ALEXANDRIA, VA 
                                                                 PAGE    20

STATEMENT OF MOZELLE W. THOMPSON, COMMISSIONER, FEDERAL TRADE COMMISSION
                                                                 PAGE    62

STATEMENT OF HON. JULIE L. WILLIAMS, ACTING COMPTROLLER OF THE CURRENCY
                                                                 PAGE    65

STATEMENT OF JEFF CLEMENTS, ASSISTANT ATTORNEY GENERAL, COMMONWEALTH OF MASSACHUSETTS 
                                                                 PAGE    69

STATEMENT OF BORIS F. MELNIKOFF, SENIOR VICE PRESIDENT, WACHOVIA CORPORATION, ON BEHALF OF THE 
AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    90

STATEMENT OF EDDY L. McCLAIN, MEMBER, BOARD OF DIRECTORS, NATIONAL COUNCIL OF INVESTIGATION AND 
SECURITY SERVICES
                                                                 PAGE    93

STATEMENT OF ROBERT GLASS, VICE PRESIDENT OF NATIONAL INFORMATION SERVICES, LEXIS-NEXIS, ON BEHALF 
OF THE INDIVIDUAL REFERENCE SERVICES GROUP
                                                                 PAGE    98

STATEMENT OF EVAN HENDRICKS, EDITOR AND PUBLISHER, ''PRIVACY TIMES''
                                                                 PAGE   101

STATEMENT OF RUSSELL SCHRADER, SENIOR VICE PRESIDENT AND ASSISTANT GENERAL COUNSEL, VISA U.S.A., 
INC. 
                                                                 PAGE   106


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING