SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           4      6      8     10     11     16     18     21     24  
                28     30     33     34     35     38     42     45     49  
                50  
BAKER            1     10  
CLOUTIER        51     67     68     71     72     78  
COLE            54     69     70     71     72     76     77     78  
CROWLEY         38     39     40  
DAVIS           30     31     32     33     72     73     74     75     77  
                78     79  
DENTLINGER      57     75  
DUNCAN          59     69     73     74     75     79  
FEENEY          42     43     44     45  
FERGUSON        12     17     18     19     20     21     22     23     24  
                25     26     27     28     29     30     31     32     33  
                34     35     36     37     38     39     40     41     43  
                44     45     46     47     48     49     50  
FORD             6     24     25     26     28     33     34     40     69  
                70     71     72     76     77     79  
GARRETT         35     36     37     38  
HART             8     10     28     29     30     50     53     56     59  
                61     64     67     68     69     72     76     79  
HENSARLING      22     23  
KNICELEY        62  
MALONEY         45     46     47     48     49  
OXLEY            5  
SANDERS          4     11     18     19     20     21  
SHERMAN         33  
WOODHAM         64  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. ROGER W. FERGUSON, VICE CHAIRMAN, BOARD OF GOVERNORS OF THE FEDERAL RESERVE 
SYSTEM
                                                                 PAGE    11

STATEMENT OF C.R. CLOUTIER, PRESIDENT AND CEO, MIDSOUTH BANK, NA, ICBA CHAIRMAN, ON BEHALF OF 
INDEPENDENT COMMUNITY BANKERS OF AMERICA AND AMERICA'S COMMUNITY BANKERS
                                                                 PAGE    50

STATEMENT OF GRANT COLE, SENIOR VICE PRESIDENT AND SENIOR CHANGE MANAGEMENT EXECUTIVE, TRANSACTION 
SERVICES, BANK OF AMERICA, ON BEHALF OF AMERICAN BANKERS ASSOCIATION, CONSUMER BANKERS 
ASSOCIATION, THE ELECTRONIC CHECK CLEARING HOUSE ORGANIZATION, AND THE FINANCIAL SERVICES 
ROUNDTABLE
                                                                 PAGE    53

STATEMENT OF DALE DENTLINGER, DIRECTOR, E*TRADE ACCESS, E*TRADE BANK
                                                                 PAGE    56

STATEMENT OF JANELL MAYO DUNCAN, LEGISLATIVE AND REGULATORY COUNSEL, CONSUMERS UNION
                                                                 PAGE    59

STATEMENT OF JOSEPH KNICELEY, VICE PRESIDENT, PAYMENT SOLUTIONS, NCR CORPORATION
                                                                 PAGE    61

STATEMENT OF CELIA C. WOODHAM, DIRECTOR OF OPERATIONS, CHARTWAY FCU, ON BEHALF OF CREDIT UNION 
NATIONAL ASSOCIATION
                                                                 PAGE    64


INSERTS    SPEAKERS   CONTENTS