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