This section of the FEDERAL REGISTER
contains notices to the public of the proposed
issuance of rules and regulations. The
purpose of these notices is to give interested
persons an opportunity to participate in the
rule making prior to the adoption of the final
rules.
Proposed Rules Federal Register
31913
Vol. 69, No. 110
Tuesday, June 8, 2004
1 The Agencies do not edit personal, identifying
information such as names or e-mail addresses from
electronic submissions. Submit only information
you wish to make publicly available.
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Parts 30 and 41
[Docket No. 04–13]
RIN 1557–AC84
FEDERAL RESERVE SYSTEM
12 CFR Parts 208, 211, 222, and 225
[Docket No. R–1199]
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Parts 334 and 364
RIN 3064–AC77
DEPARTMENT OF THE TREASURY
Office of Thrift Supervision
12 CFR Parts 568, 570, and 571
[No. 2004–26]
RIN 1550–AB87
Proper Disposal of Consumer
Information Under the Fair and
Accurate Credit Transactions Act of
2003
AGENCIES: Office of the Comptroller of
the Currency, Treasury (OCC); Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); and
Office of Thrift Supervision, Treasury
(OTS).
ACTION: Notice of proposed rulemaking.
SUMMARY: The OCC, Board, FDIC, and
OTS (the Agencies) are requesting
comment on a proposal to implement
section 216 of the Fair and Accurate
Credit Transactions Act of 2003 by
amending the Interagency Guidelines
Establishing Standards for Safeguarding
Customer Information. The proposal
would require each financial institution
to develop, implement, and maintain
appropriate measures to properly
dispose of consumer information
derived from consumer reports to
address the risks associated with
identity theft. Each institution would be
required to implement these measures
as part of its information security
program.
DATES: Comments must be submitted on
or before July 23, 2004.
ADDRESSES: Because the Agencies will
jointly review all of the comments
submitted, you may comment to any of
the Agencies and you need not send
comments (or copies) to all of the
Agencies. Because paper mail in the
Washington area and at the Agencies is
subject to delay, please submit your
comments by e-mail whenever
possible.1 Commenters are encouraged
to use the title ‘‘FACT Act Disposal
Rule’’ in addition to the docket or RIN
number to facilitate the organization
and distribution of comments among the
Agencies. Interested parties are invited
to submit comments in accordance with
the following instructions:
OCC: You should designate OCC in
your comment and include Docket
Number 04–13. You may submit
comments by any of the following
methods:
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• OCC Web site: http://
www.occ.treas.gov. Click on ‘‘Contact
the OCC,’’ scroll down and click on
‘‘Comments on Proposed Regulations.’’
• E-mail address:
regs.comments@occ.treas.gov.
• Fax: (202) 874–4448.
• Mail: Office of the Comptroller of
the Currency, 250 E Street, SW., Public
Reference Room, Mail Stop 1–5,
Washington, DC 20219.
• Hand Delivery/Courier: 250 E
Street, SW., Attn: Public Reference
Room, Mail Stop 1–5, Washington, DC
20219.
Instructions: All submissions received
must include the agency name (OCC)
and docket number or Regulatory
Information Number (RIN) for this
notice of proposed rulemaking. In
general, the OCC will enter all
comments received into the docket
without change, including any business
or personal information that you
provide. You may review the comments
received by the OCC and other related
materials by any of the following
methods:
• Viewing Comments Personally: You
may personally inspect and photocopy
comments received at the OCC’s Public
Reference Room, 250 E Street, SW.,
Washington, DC. You can make an
appointment to inspect comments by
calling (202) 874–5043.
• Viewing Comments Electronically:
You may request e-mail or CD–ROM
copies of comments that the OCC has
received by contacting the OCC’s Public
Reference Room at
regs.comments@occ.treas.gov.
• Docket: You may also request
available background documents using
the methods described earlier.
Board: You may submit comments,
identified by Docket No. R–1199, by any
of the following methods:
• Agency Web site: http://
www.federalreserve.gov. Follow the
instructions for submitting comments at
http://www.federalreserve.gov/
generalinfo/foia/ProposedRegs.cfm.
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• E-mail:
regs.comments@federalreserve.gov.
Include docket number in the subject
line of the message.
• FAX: 202/452–3819 or 202/452–
3102.
• Mail: Jennifer J. Johnson, Secretary,
Board of Governors of the Federal
Reserve System, 20th Street and
Constitution Avenue, NW., Washington,
DC 20551.
All public comments are available from
the Board’s Web site at
www.federalreserve.gov/generalinfo/
foia/ProposedRegs.cfm as submitted,
except as necessary for technical
reasons. Accordingly, your comments
will not be edited to remove any
identifying or contact information.
Public comments may also be viewed
electronically or in paper in Room MP–
500 of the Board’s Martin Building (20th
and C Streets, NW.) between 9 a.m. and
5 p.m. on weekdays.
FDIC: You may submit comments,
identified by RIN number by any of the
following methods:
• Agency Web site: http://
www.fdic.gov/regulations/laws/federal/
propose.html.
VerDate jul<14>2003 14:19 Jun 07, 2004 Jkt 203001 PO 00000 Frm 00001 Fmt 4702 Sfmt 4702 E:\FR\FM\08JNP1.SGM 08JNP1
contains notices to the public of the proposed
issuance of rules and regulations. The
purpose of these notices is to give interested
persons an opportunity to participate in the
rule making prior to the adoption of the final
rules.
Proposed Rules Federal Register
31913
Vol. 69, No. 110
Tuesday, June 8, 2004
1 The Agencies do not edit personal, identifying
information such as names or e-mail addresses from
electronic submissions. Submit only information
you wish to make publicly available.
DEPARTMENT OF THE TREASURY
Office of the Comptroller of the
Currency
12 CFR Parts 30 and 41
[Docket No. 04–13]
RIN 1557–AC84
FEDERAL RESERVE SYSTEM
12 CFR Parts 208, 211, 222, and 225
[Docket No. R–1199]
FEDERAL DEPOSIT INSURANCE
CORPORATION
12 CFR Parts 334 and 364
RIN 3064–AC77
DEPARTMENT OF THE TREASURY
Office of Thrift Supervision
12 CFR Parts 568, 570, and 571
[No. 2004–26]
RIN 1550–AB87
Proper Disposal of Consumer
Information Under the Fair and
Accurate Credit Transactions Act of
2003
AGENCIES: Office of the Comptroller of
the Currency, Treasury (OCC); Board of
Governors of the Federal Reserve
System (Board); Federal Deposit
Insurance Corporation (FDIC); and
Office of Thrift Supervision, Treasury
(OTS).
ACTION: Notice of proposed rulemaking.
SUMMARY: The OCC, Board, FDIC, and
OTS (the Agencies) are requesting
comment on a proposal to implement
section 216 of the Fair and Accurate
Credit Transactions Act of 2003 by
amending the Interagency Guidelines
Establishing Standards for Safeguarding
Customer Information. The proposal
would require each financial institution
to develop, implement, and maintain
appropriate measures to properly
dispose of consumer information
derived from consumer reports to
address the risks associated with
identity theft. Each institution would be
required to implement these measures
as part of its information security
program.
DATES: Comments must be submitted on
or before July 23, 2004.
ADDRESSES: Because the Agencies will
jointly review all of the comments
submitted, you may comment to any of
the Agencies and you need not send
comments (or copies) to all of the
Agencies. Because paper mail in the
Washington area and at the Agencies is
subject to delay, please submit your
comments by e-mail whenever
possible.1 Commenters are encouraged
to use the title ‘‘FACT Act Disposal
Rule’’ in addition to the docket or RIN
number to facilitate the organization
and distribution of comments among the
Agencies. Interested parties are invited
to submit comments in accordance with
the following instructions:
OCC: You should designate OCC in
your comment and include Docket
Number 04–13. You may submit
comments by any of the following
methods:
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• OCC Web site: http://
www.occ.treas.gov. Click on ‘‘Contact
the OCC,’’ scroll down and click on
‘‘Comments on Proposed Regulations.’’
• E-mail address:
regs.comments@occ.treas.gov.
• Fax: (202) 874–4448.
• Mail: Office of the Comptroller of
the Currency, 250 E Street, SW., Public
Reference Room, Mail Stop 1–5,
Washington, DC 20219.
• Hand Delivery/Courier: 250 E
Street, SW., Attn: Public Reference
Room, Mail Stop 1–5, Washington, DC
20219.
Instructions: All submissions received
must include the agency name (OCC)
and docket number or Regulatory
Information Number (RIN) for this
notice of proposed rulemaking. In
general, the OCC will enter all
comments received into the docket
without change, including any business
or personal information that you
provide. You may review the comments
received by the OCC and other related
materials by any of the following
methods:
• Viewing Comments Personally: You
may personally inspect and photocopy
comments received at the OCC’s Public
Reference Room, 250 E Street, SW.,
Washington, DC. You can make an
appointment to inspect comments by
calling (202) 874–5043.
• Viewing Comments Electronically:
You may request e-mail or CD–ROM
copies of comments that the OCC has
received by contacting the OCC’s Public
Reference Room at
regs.comments@occ.treas.gov.
• Docket: You may also request
available background documents using
the methods described earlier.
Board: You may submit comments,
identified by Docket No. R–1199, by any
of the following methods:
• Agency Web site: http://
www.federalreserve.gov. Follow the
instructions for submitting comments at
http://www.federalreserve.gov/
generalinfo/foia/ProposedRegs.cfm.
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• E-mail:
regs.comments@federalreserve.gov.
Include docket number in the subject
line of the message.
• FAX: 202/452–3819 or 202/452–
3102.
• Mail: Jennifer J. Johnson, Secretary,
Board of Governors of the Federal
Reserve System, 20th Street and
Constitution Avenue, NW., Washington,
DC 20551.
All public comments are available from
the Board’s Web site at
www.federalreserve.gov/generalinfo/
foia/ProposedRegs.cfm as submitted,
except as necessary for technical
reasons. Accordingly, your comments
will not be edited to remove any
identifying or contact information.
Public comments may also be viewed
electronically or in paper in Room MP–
500 of the Board’s Martin Building (20th
and C Streets, NW.) between 9 a.m. and
5 p.m. on weekdays.
FDIC: You may submit comments,
identified by RIN number by any of the
following methods:
• Agency Web site: http://
www.fdic.gov/regulations/laws/federal/
propose.html.
VerDate jul<14>2003 14:19 Jun 07, 2004 Jkt 203001 PO 00000 Frm 00001 Fmt 4702 Sfmt 4702 E:\FR\FM\08JNP1.SGM 08JNP1
31914 Federal Register / Vol. 69, No. 110 / Tuesday, June 8, 2004 / Proposed Rules
2 12 CFR Parts 30, app. B (OCC); 208, app. D–2
and 225, app. F (Board); 364, app. B (FDIC); 570,
app. B (OTS). See 66 FR 8616 Feb. 1, 2001.
Citations to the Guidelines omit references to titles
and publications and give only the appropriate
paragraph or section number.
3 Guidelines, II.B.
4 See generally III.B and III.C.
Follow instructions for submitting
comments on the Agency Web site.
• E-mail: Comments@FDIC.gov.
Include the RIN number in the subject
line of the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street, NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7 a.m. and 5 p.m.
• Instructions: All submissions
received must include the agency name
and RIN for this rulemaking. All
comments received will be posted
without change to http://www.fdic.gov/
regulations/laws/federal/propose.html
including any personal information
provided.
Office of Thrift Supervision: You may
submit comments, identified by No.
2004–26, by any of the following
methods:
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• E-mail:
regs.comments@ots.treas.gov. Please
include No. 2004–26 in the subject line
of the message and include your name
and telephone number in the message.
• Fax: (202) 906–6518.
• Mail: Regulation Comments, Chief
Counsel’s Office, Office of Thrift
Supervision, 1700 G Street, NW.,
Washington, DC 20552, Attention: No.
2004–26.
• Hand Delivery/Courier: Guard’s
Desk, East Lobby Entrance, 1700 G
Street, NW., from 9 a.m. to 4 p.m. on
business days, Attention: Regulation
Comments, Chief Counsel’s Office,
Attention: No. 2004–26.
Instructions: All submissions received
must include the agency name and
number or Regulatory Information
Number (RIN) for this rulemaking. All
comments received will be posted
without change to http://
www.ots.treas.gov/
pagehtml.cfm?catNumber=67&an=1,
including any personal information
provided.
Docket: For access to the docket to
read background documents or
comments received, go to http://
www.ots.treas.gov/
pagehtml.cfm?catNumber=67&an=1. In
addition, you may inspect comments at
the Public Reading Room, 1700 G Street,
NW., by appointment. To make an
appointment for access, call (202) 906–
5922, send an e-mail to
public.info@ots.treas.gov, or send a
facsimile transmission to (202) 906–
7755. (Prior notice identifying the
materials you will be requesting will
assist us in serving you.) We schedule
appointments on business days between
10 a.m. and 4 p.m. In most cases,
appointments will be available the next
business day following the date we
receive a request.
FOR FURTHER INFORMATION CONTACT:
OCC: Aida Plaza Carter, Director, Bank
Information Technology, (202) 874–
4740; Amy Friend, Assistant Chief
Counsel, (202) 874–5200; or Deborah
Katz, Senior Counsel, Legislative and
Regulatory Activities Division, (202)
874–5090.
Board: Donna L. Parker, Supervisory
Financial Analyst, Division of
Supervision & Regulation, (202) 452–
2614; Thomas E. Scanlon, Counsel,
Legal Division, (202) 452–3594; Minh-
Duc T. Le or Ky Tran-Trong, Senior
Attorneys, Division of Consumer and
Community Affairs, (202) 452–3667.
FDIC: Jeffrey M. Kopchik, Senior
Policy Analyst, Division of Supervision
and Consumer Protection, (202) 898–
3872; Kathryn M. Weatherby,
Examination Specialist, Division of
Supervision and Consumer Protection,
(202) 898–6793; Robert A. Patrick,
Counsel, Legal Division, (202) 898–
3757; Janet V. Norcom, Counsel, Legal
Division, (202) 898–8886.
OTS: Lewis C. Angel, Senior Project
Manager, Technology Risk Management,
(202) 906–5645; Richard Bennett,
Counsel (Banking and Finance),
Regulations and Legislation Division,
(202) 906–7409; Paul Robin, Special
Counsel, Regulations and Legislation
Division, (202) 906–6648.
SUPPLEMENTARY INFORMATION:
I. Introduction
Section 216 of the Fair and Accurate
Credit Transactions Act of 2003 (FACT
Act or the Act) adds a new section 628
to the Fair Credit Reporting Act (FCRA),
at 15 U.S.C. 1681w, that, in general, is
designed to protect a consumer against
the risks associated with unauthorized
access to information about the
consumer contained in a consumer
report, such as fraud and related crimes
including identity theft. Section 216 of
the Act requires each of the Agencies to
adopt a regulation with respect to the
entities that are subject to its
enforcement authority ‘‘requiring any
person that maintains or otherwise
possesses consumer information, or any
compilation of consumer information,
derived from consumer reports for a
business purpose to properly dispose of
any such information or compilation.’’
Public Law 108–159, 117 Stat. 1985–86.
The FACT Act mandates that the
Agencies ensure that their respective
regulations are consistent with the
requirements issued pursuant to the
Gramm-Leach-Bliley Act (GLB Act)
(Pub. L. 106–102), as well as other
provisions of Federal law.
The Agencies propose amendments to
the Interagency Guidelines Establishing
Standards for Safeguarding Customer
Information (Guidelines)2 to require
financial institutions to implement
controls designed to ensure the proper
disposal of ‘‘consumer information’’
within the meaning of section 216. In
accordance with section 216 of the Act,
the Agencies have consulted with the
Federal Trade Commission, the National
Credit Union Administration, and the
Securities and Exchange Commission to
ensure that, to the extent possible, the
rules proposed by the respective
agencies are consistent and comparable.
II. Background
On February 1, 2001, the Agencies
issued the Guidelines pursuant to
sections 501 and 505 of the GLB Act (15
U.S.C. 6801 and 6805). The Guidelines
establish standards relating to the
development and implementation of
administrative, technical, and physical
safeguards to protect the security,
confidentiality, and integrity of
customer information. The Guidelines
apply to the financial institutions
subject to the Agencies’ respective
jurisdictions. As mandated by section
501(b) of the GLB Act, the Guidelines
require each financial institution to
develop a written information security
program that is designed to: (1) Ensure
the security and confidentiality of
customer information; (2) protect
against any anticipated threats or
hazards to the security or integrity of
such information; and (3) protect against
unauthorized access to or use of such
information that could result in
substantial harm or inconvenience to
any customer.3 The Guidelines direct
financial institutions to assess the risks
to their customer information and
customer information systems and, in
turn, implement appropriate security
measures to control those risks.4 For
example, under the risk-assessment
framework currently imposed by the
Guidelines, each financial institution
must evaluate whether the controls the
institution has developed sufficiently
protect its customer information from
unauthorized access, misuse, or
VerDate jul<14>2003 14:19 Jun 07, 2004 Jkt 203001 PO 00000 Frm 00002 Fmt 4702 Sfmt 4702 E:\FR\FM\08JNP1.SGM 08JNP1
2 12 CFR Parts 30, app. B (OCC); 208, app. D–2
and 225, app. F (Board); 364, app. B (FDIC); 570,
app. B (OTS). See 66 FR 8616 Feb. 1, 2001.
Citations to the Guidelines omit references to titles
and publications and give only the appropriate
paragraph or section number.
3 Guidelines, II.B.
4 See generally III.B and III.C.
Follow instructions for submitting
comments on the Agency Web site.
• E-mail: Comments@FDIC.gov.
Include the RIN number in the subject
line of the message.
• Mail: Robert E. Feldman, Executive
Secretary, Attention: Comments, Federal
Deposit Insurance Corporation, 550 17th
Street, NW., Washington, DC 20429.
• Hand Delivery/Courier: Guard
station at the rear of the 550 17th Street
Building (located on F Street) on
business days between 7 a.m. and 5 p.m.
• Instructions: All submissions
received must include the agency name
and RIN for this rulemaking. All
comments received will be posted
without change to http://www.fdic.gov/
regulations/laws/federal/propose.html
including any personal information
provided.
Office of Thrift Supervision: You may
submit comments, identified by No.
2004–26, by any of the following
methods:
• Federal eRulemaking Portal: http://
www.regulations.gov. Follow the
instructions for submitting comments.
• E-mail:
regs.comments@ots.treas.gov. Please
include No. 2004–26 in the subject line
of the message and include your name
and telephone number in the message.
• Fax: (202) 906–6518.
• Mail: Regulation Comments, Chief
Counsel’s Office, Office of Thrift
Supervision, 1700 G Street, NW.,
Washington, DC 20552, Attention: No.
2004–26.
• Hand Delivery/Courier: Guard’s
Desk, East Lobby Entrance, 1700 G
Street, NW., from 9 a.m. to 4 p.m. on
business days, Attention: Regulation
Comments, Chief Counsel’s Office,
Attention: No. 2004–26.
Instructions: All submissions received
must include the agency name and
number or Regulatory Information
Number (RIN) for this rulemaking. All
comments received will be posted
without change to http://
www.ots.treas.gov/
pagehtml.cfm?catNumber=67&an=1,
including any personal information
provided.
Docket: For access to the docket to
read background documents or
comments received, go to http://
www.ots.treas.gov/
pagehtml.cfm?catNumber=67&an=1. In
addition, you may inspect comments at
the Public Reading Room, 1700 G Street,
NW., by appointment. To make an
appointment for access, call (202) 906–
5922, send an e-mail to
public.info@ots.treas.gov, or send a
facsimile transmission to (202) 906–
7755. (Prior notice identifying the
materials you will be requesting will
assist us in serving you.) We schedule
appointments on business days between
10 a.m. and 4 p.m. In most cases,
appointments will be available the next
business day following the date we
receive a request.
FOR FURTHER INFORMATION CONTACT:
OCC: Aida Plaza Carter, Director, Bank
Information Technology, (202) 874–
4740; Amy Friend, Assistant Chief
Counsel, (202) 874–5200; or Deborah
Katz, Senior Counsel, Legislative and
Regulatory Activities Division, (202)
874–5090.
Board: Donna L. Parker, Supervisory
Financial Analyst, Division of
Supervision & Regulation, (202) 452–
2614; Thomas E. Scanlon, Counsel,
Legal Division, (202) 452–3594; Minh-
Duc T. Le or Ky Tran-Trong, Senior
Attorneys, Division of Consumer and
Community Affairs, (202) 452–3667.
FDIC: Jeffrey M. Kopchik, Senior
Policy Analyst, Division of Supervision
and Consumer Protection, (202) 898–
3872; Kathryn M. Weatherby,
Examination Specialist, Division of
Supervision and Consumer Protection,
(202) 898–6793; Robert A. Patrick,
Counsel, Legal Division, (202) 898–
3757; Janet V. Norcom, Counsel, Legal
Division, (202) 898–8886.
OTS: Lewis C. Angel, Senior Project
Manager, Technology Risk Management,
(202) 906–5645; Richard Bennett,
Counsel (Banking and Finance),
Regulations and Legislation Division,
(202) 906–7409; Paul Robin, Special
Counsel, Regulations and Legislation
Division, (202) 906–6648.
SUPPLEMENTARY INFORMATION:
I. Introduction
Section 216 of the Fair and Accurate
Credit Transactions Act of 2003 (FACT
Act or the Act) adds a new section 628
to the Fair Credit Reporting Act (FCRA),
at 15 U.S.C. 1681w, that, in general, is
designed to protect a consumer against
the risks associated with unauthorized
access to information about the
consumer contained in a consumer
report, such as fraud and related crimes
including identity theft. Section 216 of
the Act requires each of the Agencies to
adopt a regulation with respect to the
entities that are subject to its
enforcement authority ‘‘requiring any
person that maintains or otherwise
possesses consumer information, or any
compilation of consumer information,
derived from consumer reports for a
business purpose to properly dispose of
any such information or compilation.’’
Public Law 108–159, 117 Stat. 1985–86.
The FACT Act mandates that the
Agencies ensure that their respective
regulations are consistent with the
requirements issued pursuant to the
Gramm-Leach-Bliley Act (GLB Act)
(Pub. L. 106–102), as well as other
provisions of Federal law.
The Agencies propose amendments to
the Interagency Guidelines Establishing
Standards for Safeguarding Customer
Information (Guidelines)2 to require
financial institutions to implement
controls designed to ensure the proper
disposal of ‘‘consumer information’’
within the meaning of section 216. In
accordance with section 216 of the Act,
the Agencies have consulted with the
Federal Trade Commission, the National
Credit Union Administration, and the
Securities and Exchange Commission to
ensure that, to the extent possible, the
rules proposed by the respective
agencies are consistent and comparable.
II. Background
On February 1, 2001, the Agencies
issued the Guidelines pursuant to
sections 501 and 505 of the GLB Act (15
U.S.C. 6801 and 6805). The Guidelines
establish standards relating to the
development and implementation of
administrative, technical, and physical
safeguards to protect the security,
confidentiality, and integrity of
customer information. The Guidelines
apply to the financial institutions
subject to the Agencies’ respective
jurisdictions. As mandated by section
501(b) of the GLB Act, the Guidelines
require each financial institution to
develop a written information security
program that is designed to: (1) Ensure
the security and confidentiality of
customer information; (2) protect
against any anticipated threats or
hazards to the security or integrity of
such information; and (3) protect against
unauthorized access to or use of such
information that could result in
substantial harm or inconvenience to
any customer.3 The Guidelines direct
financial institutions to assess the risks
to their customer information and
customer information systems and, in
turn, implement appropriate security
measures to control those risks.4 For
example, under the risk-assessment
framework currently imposed by the
Guidelines, each financial institution
must evaluate whether the controls the
institution has developed sufficiently
protect its customer information from
unauthorized access, misuse, or
VerDate jul<14>2003 14:19 Jun 07, 2004 Jkt 203001 PO 00000 Frm 00002 Fmt 4702 Sfmt 4702 E:\FR\FM\08JNP1.SGM 08JNP1