+++

A

Affinity Technology,16

AIM,15

Alliance Capital,15

American Bankers Assn,1

Anytime Access,17

B

Bankers Trust,33,40

Bellcore,19

Brown Brothers Harriman,33,39

C

California Public Interest Research Group,20

Chase,12,22,33,40

CIBC Oppenheimer,33

Citibank,12

Citicorp,1,33,40

Credit Management Solutions,17

D

Dai-Ichi Kangyo,33

Donaldson, Lufkin & Jenrette,33

Dreyfus,12

E

Electronic Data Systems,21

Europay,1

Experian,17

F

Fair, Isaac,17

Fannie Mae,8

Financial Services Analytics,33

Find/SVP,19

First National of Newman Grove (Neb.),15

Fleet,39

Freddie Mac,8

H

Hoisington Investment Management,33

Hollister Asset Management,40

Hypercom,16

I

Imperial (Los Angeles),1

Independent Bankers Assn of America,15

Independent Insurance Agents of America,1

J

J.P. Morgan,39

K

Keefe, Bruyette & Woods,1,39

L

Lehman,1,16,22

Lehman Brothers,33

Lincoln National,12

M

Maosco Ltd.,1

Marine Midland,12

Massachusetts Financial Services,12

MasterCard,1

Mellon,12

Merrill Lynch,12,33

Midland Bank (London),1

Morgan Keegan,16

Morgan Stanley,8,33

N

NationsBank,22

Norwest,12

O

On-line Resources and Communications Corp.,16

P

Pacific Crest Securities,7

PaineWebber,33,40

Privacy Rights Clearinghouse,20

Private Asset Management,40

Putnam Investments,12

R

Royal Bank of Canada,22

Ryan, Beck,1,39

S

Securities Data,33

Silicon Valley (Santa Clara),1

Six Rivers National,7

Smart Card Forum,19

Societe Generale,22

SouthTrust,12

Sussex County (N.J.) State,15

T

Trans Union,20

Travelers,1,33

U

Union Bank of Switzerland,22

V

Van Kasper,1

Visa,1

W

Wachovia,12

Warburg Dillon Read,33

World Wide Financial,11

Z

ZKA,1 ===

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