SPEAKER INDEX CONTENTS INSERTS BERIAULT 15 36 37 40 43 CANTOR 10 COVINGTON 12 34 35 36 39 40 42 GEYER 29 33 35 37 42 GUTIERREZ 10 37 39 JONES 5 8 KELLY 1 6 7 8 9 10 15 19 22 24 28 32 34 35 36 37 40 43 44 LAZAR 22 41 44 LEWIS 24 28 41 43 MERCER 20 38 41 43 NEY 7 8 TIBERI 7 9 40 41 42 43 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. J. LEE COVINGTON II, DIRECTOR, OHIO DEPARTMENT OF INSURANCE PAGE 12 STATEMENT OF GREG BERIAULT, POSTAL INSPECTOR, FRAUD TEAM LEADER, INDIANAPOLIS FIELD OFFICE, U.S. POSTAL INSPECTION SERVICE PAGE 15 STATEMENT OF STEPHEN B. MERCER, ESQ., ATTORNEY, SANDLER & MERCER, P.C. PAGE 19 STATEMENT OF JOHN W. LAZAR, CLASS REPRESENTATIVE IN LAWSUIT AGAINST LIBERTE CAPITAL CORP. PAGE 22 STATEMENT OF DAVID M. LEWIS, ESQ., PRESIDENT, LIFE SETTLEMENT INSTITUTE PAGE 24 STATEMENT OF THOMAS E. GEYER, ASSISTANT DIRECTOR, OHIO DEPARTMENT OF COMMERCE PAGE 29 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING