SPEAKER INDEX    CONTENTS   INSERTS   
BUCKLEY         21     22     38     47  
CROCKER         17     46     47     48     49     57  
GRUCCI          40  
HARRINGTON       8     36  
HART            51  
HINOJOSA        40     41     42     43     53     54     55  
INSLEE          35  
KING             1      4      6      7     13     17     21     22     26  
                31     34     35     36     37     39     40     43     51  
                53     54     56     57  
MALONEY          3      6     35     43     44     45     46     47     48  
                49     51  
OXLEY            5  
ROE             13     14     37     45     46  
ROSENTHAL       27     37     44     45     48     56  
SAUNDERS        32     39     40     41     42     50     54     55  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF EILEEN HARRINGTON, ASSOCIATE DIRECTOR FOR MARKETING PRACTICES, FEDERAL TRADE 
COMMISSION BUREAU OF CONSUMER PROTECTION
                                                                 PAGE     8

STATEMENT OF CHRISTOPHER ROE, VICE PRESIDENT, FIREMAN'S FUND INSURANCE COMPANIES, ON BEHALF OF THE 
AMERICAN INSURANCE ASSOCIATION
                                                                 PAGE    13

STATEMENT OF THOMAS E. CROCKER, PARTNER, ALSTON & BIRD, LLP
                                                                 PAGE    17

STATEMENT OF JEREMIAH S. BUCKLEY, PARTNER, GOODWIN PROCTOR; GENERAL COUNSEL, THE ELECTRONIC 
FINANCIAL SERVICES COUNCIL
                                                                 PAGE    21

STATEMENT OF LOUIS F. ROSENTHAL, EXECUTIVE VICE PRESIDENT, ABN AMRO NORTH AMERICA, INC., ON BEHALF 
OF THE FINANCIAL SERVICES ROUNDTABLE AND BITS
                                                                 PAGE    26

STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER; ON BEHALF OF THE 
CONSUMER FEDERATION OF AMERICA, CONSUMERS UNION, AND THE U.S. PUBLIC INTEREST RESEARCH GROUP 
                                                                 PAGE    31


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING