SPEAKER INDEX    CONTENTS   INSERTS   
BEREUTER        34     35     36     38     53     54     55     56  
CASTLE           1      4      7      9     12     18     21     22     23  
                25     26     29     31     33     34     38     43     45  
                46     47     49     50     51     53     56  
DOREY            4     23     31     36     48     54  
FLAKE           26     28     29     47     49     50  
GREENWOOD        7     22     34     37     45     52  
JACKSON         29     31     33     43     47     48     49     50     51  
KENNEDY         29     31     38     41     42     43  
KONSTANTARAS     9     25     27     28     31     35     42     43     46  
LOWRY           18     24     28     33     47  
NUGENT          12     27     32     34     40     44     50     55     56  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF PAUL DOREY, GLOBAL HEAD OF OPERATIONAL RISK MANAGEMENT, BARCLAYS BANK, LONDON, U.K., 
ON BEHALF OF THE ELECTRONIC COMMERCE FORUM
                                                                 PAGE     4

STATEMENT OF DAN GREENWOOD, DEPUTY GENERAL COUNSEL, INFORMATION TECHNOLOGY DIVISION, COMMONWEALTH 
                                                                 PAGE     7

STATEMENT OF ANDREW KONSTANTARAS, VICE PRESIDENT AND COUNSEL, VISA INTERNATIONAL
                                                                 PAGE     9

STATEMENT OF P. MICHAEL NUGENT, VICE PRESIDENT AND ASSOCIATE GENERAL COUNSEL FOR TECHNOLOGY AND 
INTELLECTUAL PROPERTY, CITIBANK
                                                                 PAGE    12

STATEMENT OF J. SCOTT LOWRY, DIGITAL SIGNATURE TRUST COMPANY, ZIONS BANK, SALT LAKE CITY, UT 
                                                                 PAGE    18


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING