|The Payments System in Transition with image of conference logoHosted by the Federal Reserve Payments System Development Committee
October 29-30, 2003    Washington, DC
Agenda
          Day 
              1  Wednesday, October 29, 2003
            General Session8:45 a.m.
                Opening of ConferenceLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve SystemWelcome 
                    Roger 
                    W. Ferguson, Jr. 
                  Vice Chairman
                            Board of Governors of the Federal Reserve System9:00 a.m.
                The Payments System in Transition Alan Greenspan Chairman
                            Board of Governors of the Federal Reserve System9:30 a.m.
                The Changing Payments BusinessRichard M. Kovacevich Chairman and Chief Executive Officer
                            Wells Fargo & Company10:45 a.m.
                Consumer Choices and Priorities for the Next Generation of Payments SystemsAlan J. Lacy Chairman and Chief Executive Officer
                            Sears, Roebuck and Co.11:20 a.m.
                Corporate Priorities for the Payments SystemModerator: Nick VinerSenior Vice President and Director
                            Boston Consulting GroupPanelists: J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc.12:45 p.m.
                LunchThe Honorable Robert F. Bennett United States SenateConcurrent Sessions2:15 p.m.
                Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems
                      
                      Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation4:00 p.m.
                Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation
                      
                      Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.7:00 p.m.
                End of Day 1Day 2 Thursday, October 30, 2003
            General Session8:30 a.m.
                WelcomeLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve System8:40 a.m.
                Federal Reserve Banks' Initiatives in the Payments System Gary H. 
                  Stern President
                            Federal Reserve Bank of Minneapolis9:10 a.m.
                Trends in TechnologyAustin A. Adams Executive Vice President and Chief Information Officer
                            Bank One CorporationConcurrent Sessions10:15 a.m.
                Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network
                      
                      Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia CorporationGeneral Session11:50 a.m.
                Innovations in Government PaymentsDonald V. HammondFiscal Assistant Secretary
                            United States Department of the Treasury12:25 p.m.
                Major 
                  Themes from the Conference and Looking ForwardRoger 
                  W. Ferguson, Jr. Vice Chairman
                            Board of Governors of the Federal Reserve System1:45 p.m.
                End of ConferenceThe Payments System in Transition home
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Last update: December 29, 2003 | Agenda
          Day 
              1  Wednesday, October 29, 2003
            General Session8:45 a.m.
                Opening of ConferenceLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve SystemWelcome 
                    Roger 
                    W. Ferguson, Jr. 
                  Vice Chairman
                            Board of Governors of the Federal Reserve System9:00 a.m.
                The Payments System in Transition Alan Greenspan Chairman
                            Board of Governors of the Federal Reserve System9:30 a.m.
                The Changing Payments BusinessRichard M. Kovacevich Chairman and Chief Executive Officer
                            Wells Fargo & Company10:45 a.m.
                Consumer Choices and Priorities for the Next Generation of Payments SystemsAlan J. Lacy Chairman and Chief Executive Officer
                            Sears, Roebuck and Co.11:20 a.m.
                Corporate Priorities for the Payments SystemModerator: Nick VinerSenior Vice President and Director
                            Boston Consulting GroupPanelists: J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc.12:45 p.m.
                LunchThe Honorable Robert F. Bennett United States SenateConcurrent Sessions2:15 p.m.
                Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems
                      
                      Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation4:00 p.m.
                Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation
                      
                      Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.7:00 p.m.
                End of Day 1Day 2 Thursday, October 30, 2003
            General Session8:30 a.m.
                WelcomeLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve System8:40 a.m.
                Federal Reserve Banks' Initiatives in the Payments System Gary H. 
                  Stern President
                            Federal Reserve Bank of Minneapolis9:10 a.m.
                Trends in TechnologyAustin A. Adams Executive Vice President and Chief Information Officer
                            Bank One CorporationConcurrent Sessions10:15 a.m.
                Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network
                      
                      Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia CorporationGeneral Session11:50 a.m.
                Innovations in Government PaymentsDonald V. HammondFiscal Assistant Secretary
                            United States Department of the Treasury12:25 p.m.
                Major 
                  Themes from the Conference and Looking ForwardRoger 
                  W. Ferguson, Jr. Vice Chairman
                            Board of Governors of the Federal Reserve System1:45 p.m.
                End of Conference | General Session                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | 8:45 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | Opening of ConferenceLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve SystemWelcome 
                    Roger 
                    W. Ferguson, Jr. 
                  Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | Director
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | 9:00 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | The Payments System in Transition Alan Greenspan Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | 9:30 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | The Changing Payments BusinessRichard M. Kovacevich Chairman and Chief Executive Officer
                            Wells Fargo & Company | Chairman and Chief Executive Officer
                            Wells Fargo & Company | 10:45 a.m.                                                                                                                                                                       | Consumer Choices and Priorities for the Next Generation of Payments SystemsAlan J. Lacy Chairman and Chief Executive Officer
                            Sears, Roebuck and Co. | Chairman and Chief Executive Officer
                            Sears, Roebuck and Co. | 11:20 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Corporate Priorities for the Payments SystemModerator: Nick VinerSenior Vice President and Director
                            Boston Consulting GroupPanelists: J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc. | Nick VinerSenior Vice President and Director
                            Boston Consulting Group                                                                                                                                                                                                                                                               | J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc. | 12:45 p.m.                                                | LunchThe Honorable Robert F. Bennett United States Senate | United States Senate | Concurrent Sessions | 2:15 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems
                      
                      Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems | Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of Atlanta                                                                                                                                                                                                                                                                          | Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        Jacobson                                                                                                                                                                                                                                                                                                                                                                                                            | John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | 4:00 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation
                      
                      Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A. | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation | Jack M. StephensonDirector
                                        McKinsey & Company                                                                                                                                                                                                                                                                                | Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A. | Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A. | Lee E. ManfredPartner
                                        First Annapolis Consulting                                                                                                                                                                                                                                                      | Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A. | 7:00 p.m.    | End of Day 1    | General Session | 8:30 a.m.                                                                                                                            | WelcomeLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve System | Director
                            Board of Governors of the Federal Reserve System | 8:40 a.m.                                                                                                                                                              | Federal Reserve Banks' Initiatives in the Payments System Gary H. 
                  Stern President
                            Federal Reserve Bank of Minneapolis | President
                            Federal Reserve Bank of Minneapolis | 9:10 a.m.                                                                                                                                    | Trends in TechnologyAustin A. Adams Executive Vice President and Chief Information Officer
                            Bank One Corporation | Executive Vice President and Chief Information Officer
                            Bank One Corporation | Concurrent Sessions | 10:15 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network
                      
                      Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network | Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                         | Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation | Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation | Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.                                                                                                                                                                                                                                                                                                                                                                                                           | John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation |                 | General Session | 11:50 a.m.                                                                                                                                          | Innovations in Government PaymentsDonald V. HammondFiscal Assistant Secretary
                            United States Department of the Treasury | Fiscal Assistant Secretary
                            United States Department of the Treasury | 12:25 p.m.                                                                                                                                                                                                     | Major 
                  Themes from the Conference and Looking ForwardRoger 
                  W. Ferguson, Jr. Vice Chairman
                            Board of Governors of the Federal Reserve System | Vice Chairman
                            Board of Governors of the Federal Reserve System | 1:45 p.m.         | End of Conference
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|Agenda
          Day 
              1  Wednesday, October 29, 2003
            General Session8:45 a.m.
                Opening of ConferenceLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve SystemWelcome 
                    Roger 
                    W. Ferguson, Jr. 
                  Vice Chairman
                            Board of Governors of the Federal Reserve System9:00 a.m.
                The Payments System in Transition Alan Greenspan Chairman
                            Board of Governors of the Federal Reserve System9:30 a.m.
                The Changing Payments BusinessRichard M. Kovacevich Chairman and Chief Executive Officer
                            Wells Fargo & Company10:45 a.m.
                Consumer Choices and Priorities for the Next Generation of Payments SystemsAlan J. Lacy Chairman and Chief Executive Officer
                            Sears, Roebuck and Co.11:20 a.m.
                Corporate Priorities for the Payments SystemModerator: Nick VinerSenior Vice President and Director
                            Boston Consulting GroupPanelists: J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc.12:45 p.m.
                LunchThe Honorable Robert F. Bennett United States SenateConcurrent Sessions2:15 p.m.
                Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems
                      
                      Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation4:00 p.m.
                Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation
                      
                      Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.7:00 p.m.
                End of Day 1Day 2 Thursday, October 30, 2003
            General Session8:30 a.m.
                WelcomeLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve System8:40 a.m.
                Federal Reserve Banks' Initiatives in the Payments System Gary H. 
                  Stern President
                            Federal Reserve Bank of Minneapolis9:10 a.m.
                Trends in TechnologyAustin A. Adams Executive Vice President and Chief Information Officer
                            Bank One CorporationConcurrent Sessions10:15 a.m.
                Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network
                      
                      Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia CorporationGeneral Session11:50 a.m.
                Innovations in Government PaymentsDonald V. HammondFiscal Assistant Secretary
                            United States Department of the Treasury12:25 p.m.
                Major 
                  Themes from the Conference and Looking ForwardRoger 
                  W. Ferguson, Jr. Vice Chairman
                            Board of Governors of the Federal Reserve System1:45 p.m.
                End of Conference                                                                                                                                                                                                                                                                                    | General Session                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | 8:45 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      | Opening of ConferenceLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve SystemWelcome 
                    Roger 
                    W. Ferguson, Jr. 
                  Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Director
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | 9:00 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | The Payments System in Transition Alan Greenspan Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | 9:30 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | The Changing Payments BusinessRichard M. Kovacevich Chairman and Chief Executive Officer
                            Wells Fargo & Company                                                                                                                                                                                                                                                                                                                                                           | Chairman and Chief Executive Officer
                            Wells Fargo & Company                                                     | 10:45 a.m.                                                                              | Consumer Choices and Priorities for the Next Generation of Payments SystemsAlan J. Lacy Chairman and Chief Executive Officer
                            Sears, Roebuck and Co. | Chairman and Chief Executive Officer
                            Sears, Roebuck and Co.                                                                                         | 11:20 a.m.                                                                               | Corporate Priorities for the Payments SystemModerator: Nick VinerSenior Vice President and Director
                            Boston Consulting GroupPanelists: J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc. | Nick VinerSenior Vice President and Director
                            Boston Consulting Group                                                                                                                                                                                                                                                                                                                                                                                                                                  | J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc. | 12:45 p.m.                                                                                                                                                                                                                                                                                                                                                      | LunchThe Honorable Robert F. Bennett United States Senate | United States Senate                                      | Concurrent Sessions  | 2:15 p.m.           | Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems
                      
                      Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of Atlanta                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems |                                                                                                                                                                                                                                                                                                                                                                               | Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        Jacobson                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | 4:00 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation
                      
                      Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A. | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation | Jack M. StephensonDirector
                                        McKinsey & Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation |                                                                                                                                                                                                                                                                                                                                                                       | Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A. | Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A. | Lee E. ManfredPartner
                                        First Annapolis Consulting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A. | 7:00 p.m.                                                                                                                                                                                                                                                                                                                                      | End of Day 1 | General Session | 8:30 a.m.       | WelcomeLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve System | Director
                            Board of Governors of the Federal Reserve System                                               | 8:40 a.m.                                                                              | Federal Reserve Banks' Initiatives in the Payments System Gary H. 
                  Stern President
                            Federal Reserve Bank of Minneapolis | President
                            Federal Reserve Bank of Minneapolis                                                                                             | 9:10 a.m.                                                                  | Trends in TechnologyAustin A. Adams Executive Vice President and Chief Information Officer
                            Bank One Corporation | Executive Vice President and Chief Information Officer
                            Bank One Corporation                                     | Concurrent Sessions                                                                                      | 10:15 a.m.          | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network
                      
                      Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network | Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation | Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation | Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | General Session | 11:50 a.m.      | Innovations in Government PaymentsDonald V. HammondFiscal Assistant Secretary
                            United States Department of the Treasury | Fiscal Assistant Secretary
                            United States Department of the Treasury                                                    | 12:25 p.m.                                                                                       | Major 
                  Themes from the Conference and Looking ForwardRoger 
                  W. Ferguson, Jr. Vice Chairman
                            Board of Governors of the Federal Reserve System | Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                    | 1:45 p.m.                                                                                   | End of Conference
|General Session                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|8:45 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Opening of ConferenceLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve SystemWelcome 
                    Roger 
                    W. Ferguson, Jr. 
                  Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Director
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|Director
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|9:00 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | The Payments System in Transition Alan Greenspan Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|9:30 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | The Changing Payments BusinessRichard M. Kovacevich Chairman and Chief Executive Officer
                            Wells Fargo & Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Chairman and Chief Executive Officer
                            Wells Fargo & Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|Chairman and Chief Executive Officer
                            Wells Fargo & Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|10:45 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Consumer Choices and Priorities for the Next Generation of Payments SystemsAlan J. Lacy Chairman and Chief Executive Officer
                            Sears, Roebuck and Co.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | Chairman and Chief Executive Officer
                            Sears, Roebuck and Co.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|Chairman and Chief Executive Officer
                            Sears, Roebuck and Co.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|11:20 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Corporate Priorities for the Payments SystemModerator: Nick VinerSenior Vice President and Director
                            Boston Consulting GroupPanelists: J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | Nick VinerSenior Vice President and Director
                            Boston Consulting Group                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|Nick VinerSenior Vice President and Director
                            Boston Consulting Group                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|J. Jay FitzsimmonsSenior Vice President and Treasurer
                            Wal-Mart Stores, Inc.
                          Mark G. GibbensVice President and Treasurer
                            Lucent Technologies, Inc.
                          David K. HollandVice President and Treasurer
                            Cisco Systems, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|12:45 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | LunchThe Honorable Robert F. Bennett United States Senate                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | United States Senate                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
|United States Senate                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|Concurrent Sessions                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|2:15 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems
                      
                      Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of Atlanta                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        Jacobson                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation
|Stream A
Check Operations in a Check 21 
                       World
                        Moderator: Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of AtlantaPanelists: Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of Atlanta                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                | Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation | Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        Jacobson                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation                                                                                                                                                                                                                                                                                                                                                                            
|Fred R. HerrSenior Vice President
                                  Federal Reserve Bank of Atlanta                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|Danne L. BuchananExecutive Vice President
                                  Zions Bancorporation
                                C. Grant ColeSenior Vice President
                                  Bank of America
                                Adam P. CoylePresident
                                  Integrated                                Payment Systems                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
|Stream BGrowth in Electronic Payments: 
                              What Are the Opportunities and the Barriers 
                              to Success?
                              Moderator: Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        JacobsonPanelists: John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        Jacobson                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|Thomas P. VartanianPartner
                                        Fried, Frank, Harris, Shriver and 
                                        Jacobson                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|John R. BeranExecutive Vice President and Chief Information Officer
                                        Comerica Incorporated
                                      Joshua PeirezSenior Vice President and Assistant 
                                        General Counsel
                                        MasterCard International
                                      Ronald A. PrillPresident of Target Financial 
                                        Services (Retired)
                                        Target Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|4:00 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation
                      
                      Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Jack M. StephensonDirector
                                        McKinsey & Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                                                                                                                                                                                                       | Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                  | Lee E. ManfredPartner
                                        First Annapolis Consulting                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                       
|Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Jack M. StephensonDirector
                                        McKinsey & Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                                                                                                                                                                                                       | Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                                                                                                                                                                                                       | Lee E. ManfredPartner
                                        First Annapolis Consulting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                                                                                                                                                                                                                                                                            
|Stream ABusiness Implications of Declining
                              Check Use
                              Moderator: Jack M. StephensonDirector
                                        McKinsey & CompanyPanelists: Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    | Jack M. StephensonDirector
                                        McKinsey & Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|Jack M. StephensonDirector
                                        McKinsey & Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|Mitch ChristensenExecutive Vice President
                                        Wells Fargo Services Company
                                      Jim PittsDirector
                                        EDS Corporation
                                      James A. ReuterPresident
                                        FirstBank Data Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
|Stream BRisk and Security Issues for 
                              the Next Generation of Payments Systems
                              Moderator: Lee E. ManfredPartner
                                        First Annapolis ConsultingPanelists: Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Lee E. ManfredPartner
                                        First Annapolis Consulting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
|Lee E. ManfredPartner
                                        First Annapolis Consulting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|Robert A. BlackburnDirector
                                        Citigroup
                                      Ben GolubSenior Vice President
                                        Verisign, Inc.
                                      John ShaughnessySenior Vice President
                                        Visa U.S.A.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|7:00 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | End of Day 1                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|General Session                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|8:30 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | WelcomeLouise 
                    L. RosemanDirector
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Director
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|Director
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
|8:40 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Federal Reserve Banks' Initiatives in the Payments System Gary H. 
                  Stern President
                            Federal Reserve Bank of Minneapolis                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | President
                            Federal Reserve Bank of Minneapolis                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|President
                            Federal Reserve Bank of Minneapolis                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
|9:10 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | Trends in TechnologyAustin A. Adams Executive Vice President and Chief Information Officer
                            Bank One Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | Executive Vice President and Chief Information Officer
                            Bank One Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      
|Executive Vice President and Chief Information Officer
                            Bank One Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               
|Concurrent Sessions                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    
|10:15 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network
                      
                      Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network | Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            | Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation                                                                                                                                                                                      | Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation | Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                         | John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation
|Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           | Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network                                                                                                                                                                                                                                                                                                                                                                                                                   |                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation                                                                                                                                                                                      | Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation                                                                                                                                                                                      | Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     | John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation                                                                                                                                                                                                                                                     
|Stream AProcess Improvements in Business 
                              Payments: Moving to Straight-
                              Through Processing
                              Moderator: Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.Panelists: Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 | Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network                                                                                                                                                                                                                                                                                                                                                                                                                  
|Sandy KemperChairman and Chief 
                                        Executive Officer
                                        
                                        Perfect Commerce, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|Joan M. HawkerProduct Development Manager and Ford 
                                        Credit
                                        Assistant Treasurer
                                        Ford Motor Company
                                      Brad LarsonAssistant Treasurer
                                        PETsMART, Inc.
                                      Donald MacLeodExecutive Vice President
                                        Wachovia Corporation
                                      George F. ThomasPresident
                                        Electronic Payments Network                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           
|Stream BDesign of the Next Generation 
                              of Electronic Payments Systems
                              Moderator: Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.Panelists: John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          | John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         
|Jeetu PatelExecutive Vice President
                                        Doculabs, Inc.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|John C. KlineExecutive Vice President 
                                        and Chief Operating Officer
                                        Union Savings Bank
                                      Linda McLaughlin-Moore Senior Vice President and Global Clearing Business Executive
                                        J.P. Morgan Chase
                                      Kevin PurcellSenior Vice President
                                        Wachovia Corporation                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|General Session                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        
|11:50 a.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Innovations in Government PaymentsDonald V. HammondFiscal Assistant Secretary
                            United States Department of the Treasury                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | Fiscal Assistant Secretary
                            United States Department of the Treasury                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              
|Fiscal Assistant Secretary
                            United States Department of the Treasury                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
|12:25 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | Major 
                  Themes from the Conference and Looking ForwardRoger 
                  W. Ferguson, Jr. Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       | Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   
|Vice Chairman
                            Board of Governors of the Federal Reserve System                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
|1:45 p.m.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | End of Conference