Bank One Corp.'s chief executive is being vague about his intentions for the international strategy of the $260 billion-asset company. Page 4

Alan Greenspan dealt a blow to financial modernization legislation in recent testimony on Capitol Hill, writes former FDIC chairman William Isaac. Page 4

The banking industry is reacting far too slowly to the promise of the Internet, says BancWest chairman Walter A. Dods Jr. Page 5


New England community banks are considering banding together to vie for the spoils when Fleet and BankBoston divest branches. Page 7


INSURANCE: Annuity underwriters are working hard to eradicate the mind- numbing jargon that has long peppered prospectuses and brochures. Page 9

Nationwide Insurance Enterprise has simplified its name, scrapped its old logo, and announced a new brand advertising campaign. Page 9


More Web sites with editorial content are hosting lenders' on-line mortgage offerings. Internet publications say that the relationships are simply advertising. Page 12


Morgan Stanley plans to issue $246 million of bonds backed by a Manhattan office tower that earlier this decade was a headache for Chase. Page 13

A loan regulation that the Office of Veterans Affairs had planned to put into effect Monday is in jeopardy. The rule is designed to prevent lenders from encouraging veterans to refinance into larger loans. Page 13


American Express has won a small victory over Visa before the National Advertising Review Board, which upheld a ruling that Visa could not call itself "the preferred lodging card." Page 15


Intuit's has became the first Internet financial portal site to deliver electronic bills. Page 17


Marc Turtletaub, the chief executive officerof Money Store and the son of its founder, has retired from the First Union Corp. subsidiary at the age of 53. Back page

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