A - B

Activcard 10

American Bankers Association 2,2

American Express Financial Advisors 1

Ballard Spahr Andrews & Ingersoll 2

Banco de Pacifico 21

Bank One 1,22,22

Bank of America 1,22

Bank of Bermuda 12

Brown Brothers Harriman 1

C

Capital Research and Management 1

Chase 1,4,22

Chittenden 22

Computer Based Solutions 13

Conference Board 21

Credit Suisse 1

D

Dain Rauscher Wessels 3

De La Rue Group 22

Deutsche Bank 22

Donaldson, Lufkin & Jenrette 22

DynamicWeb Enterprises 11

E - F

Edward Jones 1

Entrust Technologies 10

Fifth Third 8

Financial Research 8

First Bank (Beverly Hills) 1

First Data 12

First Security 3

First USA 1

First Union 22

First ecom.com 12

Francois-Charles Oberthur Fiduciaire 22

G

GartnerGroup 12

General Motors Acceptance 2

Golden State Bancorp 22

Greenpoint Financial 22

H

High Frequency Economics 21

Hoolihan, Howard, Lokey, and Zukin 1

I - K

Ingram Micro 10

Intel 1

International Security, Trust, and Privacy Alliance 1

Investment Company Institute 8

Jetco 12

Keefe, Bruyette & Woods 1

L - M

Life Financial (Riverside, Calif.) 22

Lipper 8

MasterCard 10,10

McGlincher Stafford 2

Mondex Canada 10

Mouvement des Caisses Desjardins 10

N - Q

NCR 1

Naroff Economic Advisors 21

Novell 10

Pulte 21

R - T

Redwood Empire 22

Royal Bank of Canada 10

Ryan Beck 22

T. Rowe Price 21

TTI Transaction Technology

International 10

Tucker Cleary Anthony Gull 22

U

U.S. Bancorp 1,4

USABancShares.com 1

V

Valley Financial (Alamo, Calif.) 22

Vanguard Group 8

Vermont Financial Services 22

Visa 10

W - Z

Washington Mutual 22

Wilshire Financial Services Group 1

Wilshire Real Estate Investment Trust 1

Zions 3

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