A
AAA 9
ABN Amro 5,9,24
American Bankers Assn 5
American Management Systems 12
Australia & New Zealand Banking Group 24
B
BAC Intl Credit 2
Bank of Montreal 12
BankAmerica 2,21,24
BankWest (Goodland, Kan.) 12
Brown Brothers Harriman 24
Business Dynamics Consulting 9
C
Captura Software 9
Cendant 6
Chevy Chase 9
CIBC 21
Citigroup 2,9
Competix 12
Consumer Bankers Assn 2
CoreStates Financial 1
Countrywide Credit Industries 10
Credit Suisse 1,21
D
Damen Financial 5
David Olson Research 10
Dean Blakely & Moskowitz 2
Dime 1
E
Essex 6
F
First Data 9
First Union 1,9
First USA 10
Fox-Pitt Kelton 1
Full Spectrum Lending 10
G
G.Z. Stephens 1
General Motors 9
Giesecke & Devrient 8
Goldman Sachs 1
Greenlining Institute 24
GreenPoint Financial 1
H
Holland & Knight 2
I
IBC USA Conferences 21
Independence Community 1
Ind Bankers Assn of America 2,5
Inficorp 9
Institute For Intl Research 21
J
Jackson Boulevard Fund 5
John Hancock 6
K
Keefe, Bruyette & Woods 5
King Pharmaceuticals 21
L
Lehman Brothers 1
M
MasterCard 9
MBNA 9
Mellon 1
Merrill Lynch 1
Metris 9,10
Morgan Stanley Dean Witter 1
N
Natl Home Equity Mortgage Assn 10
P
PNC 1,9
Providian 9
R
Roslyn 1
Ryan, Beck 9
S
Sandler O'Neill & Partners 1,10
Sanford C. Bernstein. 10
Securities Data 1
Signature (Springfield, Mo.) 12
Smart Card Forum 8
Smart Card Industry Assn 8
Sovereign 1
Standard Chartered 24
Stradley Ronon Stevens and Young 1
Strategic Research Institute 21
T
T R Financial 1
Tower Group 12
Tucker Anthony 1
W
Warburg Dillon Read 21
Webster (Waterbury, Conn.) 9
Weston Edwards & Associates 10