A

Advance Bancorp (Homewood, Ill.) 24

American Bankers Assn. 1,7

American Credit Alliance 1

B

Bank of America 1, 12

Bank Securities Assn. 10

Banklink 12

Banque Nationale de Paris 3

Better Business Bureau of Central New England 1

Broad National (Newark, N.J.) 24

BrokerTec 4

Brown Brothers Harriman 24

Budget & Credit Counseling Services 1

C

Cambridge Credit 1

Centre for the Study of Financial Innovation 3

Chase 3,12

Citigroup 1,4

Columbia (Md.) Bank 6

Conference of State Bank Supervisors 8

Countrywide 5

Credit Suisse First Boston 4

D

Daiwa 24

Delaware International 24

Deutsche 1,4

Dresdner 3

E

Epstein Becker & Green 1

Ernst & Young 12

F

Fannie Mae 5

Fiduciary Trust 24

Financial Institutions Insurance Assn. 9

First Commonwealth (Indiana, Pa.) 24

First National (Ames, Iowa) 7

First Union 12

Fiserv 12

Freddie Mac 5

G

Goldman Sachs 4

Gomez Advisors 7

Groupe Paribas 3

H

HSBC 24

I

Independence Community (Brooklyn, N.Y.) 24

Independent Community Bankers of America 1,6

Institute of International Finance 1

Investment Company Institute 10,11

K

KeyCorp 10

Kohlberg Kravis Roberts 1

Kramer Levin Naftalis & Frankel 10

L

Lehman Brothers 4

M

Mabon Securities 24

Magic Line 24

McDonald 24

Merrill Lynch 4

Morrison & Foerster 10

N

National Foundation for Consumer Credit 1

National Assn. of Securities Dealers 22

National Consumer Law Center 1

National Data 14

New York Public Interest Research Group 1

Nexstar 1

nFront 7

Nordstrom 12

NYCE 24

O

Opinion Dynamics 22

P

PaineWebber 5

Prudential 1

R

Rhone Group 3

Roper Starch Worldwide 6

S

Sandler O'Neill 5,24

Sanford C. Bernstein 5

Serfin 4

Shearman & Sterling 10

Societe Generale 3

Sovereign 12

Sovereign (Philadelphia) 24

State Farm 12

T

TN-Sofres 22

Torrenzano Group 8

U

U.S. Bank 12

Unionbancal 24

United Merchant Services of California 14

W

Warburg Dillon Read 24

Washington Mutual 12,22

Wells Fargo 12

Wirthlin Worldwide 8

World Gold Council 22

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