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