1Carl B. WilkersonVice President & Chief CounselSecurities and Litigation andLisa Tate, Senior CounselLitigationAmerican Council of Life InsurersJanuary 03, 20062J. Kevin A. KcKechnieAssociate DirectorandRichard R. RieseDirector, Center for Regulatory ComplianceAmerican Bankers Insurance AssociationJanuary 03, 2006