| World Research Group Conference chaired byBob Jensen in Chicago, September 29-October 1, 1999
 
      Robert E. Jensen, Trinity UniversityEvelyn Angelle, Senior Manager, Ernst & Young LLPJames J. Rozsypal, Partner, Arthur Andersen LLPJohn F. Woods, Partner, Arthur Andersen LLPKevin Ellefson, Vice President, Senior Manager, Accounting Policy,
        First Union CorporationRick Lawlor, Senior Research Analyst, World Research AdvisoryLouis Le Guyader, Partner, PricewaterhouseCoopers LLPRobert Vettoretti, Principal Consultant, PricewaterhouseCoopers
        LLPRoger M. Pearson, Manager, Accounting Research, Policies &
        Procedures, Union Carbide CorporationAnthony R. Belinfanti, Manager, Currency & Interest Rate Risk,
        Union Carbide CorporationD. Keith Bell, Second Vice President, Travelers InsuranceLee S. Dixon, Partner, PricewaterhouseCoopers LLPKaren Dealey, Senior Manager, Deloitte & Touche LLPHerve Geny, Senior Manager, Capital Markets, Deloitte &
        Touche LLPBetsy Glaeser, Director, Capital Markets Group, Deloitte &
        Touche LLP   | IBC Conference chaired by Bob Jensen in New York City,
    December 13-14, 1999 
      Robert E. Jensen, Trinity UniversityTim Cerino, Vice President Finance,Corporate Risk Management, Salomon Smith Barney
J. C. Mercier, Vice President, BankBostonIra Kawaller, President, Kawaller & Company, LLC, Senior
        Consultant, Chicago Mercantile ExchangeMartin Klein, Chief Insurance Strategist, Lehman BrothersJin Chang, Chief Insurance Strategist, Lehman Brothers
Thomas Barbieri, Senior Manager, Accounting Consulting Services,
        PricewaterhouseCoopersLarry Schwarz, Systems Analyst, Principia PartnersEileen Fahey, Vice President, Chartered Financial Analyst, Duff &
        PhelpsMike Koegler, Vice President, Derivatives Group, Chase BankAndrew Ulmer, Partner, RiskMetrics Group   |