The witnesses will be Ms. Karen Tyler, Securities Commissioner, State of North Dakota testifying on behalf of the North American Securities Administration Association; Ms. Nancy Smith, Chair, Consumer and Livable Communities Committee, AARP National Policy Committee; Ms. Julie Cripe, President and CEO, OmniBank, North America testifying on behalf of the American Bankers Association Education Foundation; and Mr. H. Art Taylor, President and CEO, Better Business Bureau Wise Giving Alliance.

Witness Panel 1