SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           7     22     87     91     96     97     98     99    103  
               108    109    111    113    116  
BENTSEN         74     76  
BEREUTER        47     69  
EIZENSTAT       88     96     97     99    101    102    104    105    107  
               108    115  
FRANK           57     58     59     60    100    101    102  
GONZALEZ        69  
GURULE          28     42     45     46     50     51     52     54     55  
                58     59     60     62     64     66     67     70     77  
KANJORSKI       63     64     65     66  
KELLY           53     54     55     56  
LACKRITZ        84    109  
LAFALCE          4     19     20     21     44     45     46     47     79  
                80    100    103    105    106    107    113    115    116  
LEACH           60     62     63    116  
LORMEL          37     47     49     54     56     67     74     78     80  
MALONEY         66     67     68     69  
MOYNIHAN        92     98    106    107    112  
O'NEILL         13     17     18     19     20     21     22     23     24  
                26     28  
OXLEY            1      4      7      9     12     16     17     18     19  
                22     25     27     28     34     37     41     43     47  
                50     53     57     60     63     66     69     72     74  
                77     78     81    119  
RILEY           22     23     24  
ROUKEMA         41  
SCHAKOWSKY      72     73  
TIBERI          84  
WARREN          34     46     47     61     63     68     69     73     75  
                77     80  
WATERS           9     12     25     26     27     50     51     52     53  
YINGLING        82    108    111    113    114    115  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. PAUL H. O'NEILL, SECRETARY, U.S. DEPARTMENT OF THE TREASURY
                                                                 PAGE    12

STATEMENT OF HON. JIMMY GURULE, UNDER SECRETARY (ENFORCEMENT), DEPARTMENT OF THE TREASURY
                                                                 PAGE    28

STATEMENT OF HON. MICHAEL CHERTOFF, ASSISTANT ATTORNEY GENERAL, CRIMINAL DIVISION, DELIVERED BY 
MARY LEE WARREN, DEPUTY ASSISTANT ATTORNEY GENERAL, CRIMINAL DIVISION, DEPARTMENT OF JUSTICE
                                                                 PAGE    34

STATEMENT OF DENNIS M. LORMEL, CHIEF, FINANCIAL CRIMES SECTION, CRIMINAL INVESTIGATIONS DIVISION, 
FEDERAL BUREAU OF INVESTIGATION
                                                                 PAGE    37

STATEMENT OF EDWARD L. YINGLING, DEPUTY EXECUTIVE VICE PRESIDENT, AMERICAN BANKERS ASSOCIATION, 
ACCOMPANIED BY JOHN BYRNE, SENIOR COUNSEL AND COMPLIANCE MANAGER, AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    81

STATEMENT OF MARC E. LACKRITZ, PRESIDENT, SECURITIES INDUSTRY ASSOCIATION
                                                                 PAGE    84

STATEMENT OF HON. STUART E. EIZENSTAT, FORMER DEPUTY SECRETARY OF THE TREASURY
                                                                 PAGE    87

STATEMENT OF JOHN F. MOYNIHAN, PARTNER, BERG ASSOCIATES, LLC
                                                                 PAGE    92


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING