November 5, 2000

Federal Trade Commission
Room H-159
600 Pennsylvania Avenue, NW
Washington, DC 20580

Re: Advisory Committee on Online Access and Security Nominations, P004807

The Financial Services Roundtable is pleased to suggest two possible candidates to serve on the Federal Trade Commission's Advisory Committee on Online Access and Security. 64 Federal Register 71457 (December 21, 1999).

The first person the Roundtable recommends is William M. Randle. Mr. Randle serves as the Executive Vice President and Managing Director of Financial Services Direct Access for Huntington Bancshares, Incorporated. As a senior bank officer, his responsibilities at Huntington include overseeing all of the bank's activities related to on-line products and services, smart cards and e-commerce. Because of his extensive experience with on-line issues he serves as Co-Chair of the Security and Risk Assessment Committee of BITS, the technology division of the Roundtable. He also serves on the Board of Directors of both the Smart Card Forum and Global Transaction Company. Through his work with BITS, Mr. Randle frequently briefs senior policymakers on key e-commerce related issues.

Second, the Roundtable suggests Dr. Cheryl Charles. Dr. Charles directs the Research and Communications activities for BITS. Most recently, Dr. Charles has directed a BITS-sponsored project to identify consumer attitudes towards privacy. She has also managed a software development project to identify the costs for financial institutions of adapting computer systems to meet various information sharing restrictions. She also oversees development of all BITS publications and reports.

Attached to this letter, please find more detailed information about Mr. Randle and Dr. Charles and their organizations.

Mr. Randle and Dr. Charles have both agreed to attend all of the meetings of the Committee if selected and to fulfill all other responsibilities related to the appointment. Mr. Randle and Dr. Charles bring unique combinations of technological expertise, a command of policy issues and leadership experience that would allow each of them to make a strong addition to this Advisory Committee. I strongly support both candidates. If the Roundtable can provide you with any further information about either Mr. Randle or Ms. Charles, please do not hesitate to contact me at (202) 289-4322. Thank you for your consideration.

Best Regards,

Steve Bartlett



William M. Randle
Executive Vice President and Managing Director
Direct Access Financial Services
Huntington Bancshares Incorporated

Huntington Center
41 South High Street
Columbus, OH 43287
(614) 480-5700 phone
(614) 480-5485 fax

Professional Experience: William M. Randle is Executive Vice President and Managing Director of Direct Access Financial Services of Huntington Bancshares Incorporated. His is responsible for all of the e-commerce activities at Huntington, including on-line and smart card products.

Mr. Randle began his career in the Navy where he achieved the rank of Lieutenant Commander. In 1969, he joined Atlantic Bancorporation of Florida where he performed various assignments as Credit Card Manager, Director of Marketing and ultimately as head of all Retail Bank Services until 1985, when the bank was acquired by First Union of Charlotte. Mr. Randle remained in Jacksonville as Senior Vice President of Retail Banking, which included Credit Card, Branching, Marketing, Public Relations, Electronic Banking and Strategic Planning until 1987, when he moved to Charlotte to become Senior Vice President of Marketing with corporate-wide responsibilities.

Mr. Randle received his undergraduate degree from the University of Florida and a Master of Business Administration degree from Loyola University. A speaker at conferences worldwide, and an author of numerous articles in banking journals and magazines: on the National Advisory Board for American Express; member of the Consumer Bankers Association, Committee for the Alternative Retail Delivery; Banking Industry Technology Secretariat (BITS) Board Advisory Group (Co-Chair, Security and Risk Assessment); Hewlett-Packard Company Worldwide Financial Services Industry Customer Advisory Council; NCR's Self Service Industry Council; The Ohio Courts Futures Commission and VISA's U.S. Deposit Products Executive Council. He serves on the Board of Directors of the Smart Card Forum and on the Board of Global Transaction Company.

About Huntington Bancshares Incorporated Huntington Bancshares Incorporated is a regional bank holding company headquartered in Columbus, Ohio, with assets in excess of $25 billion. The Huntington provides innovative products and services through its 527 offices in Ohio, Florida, Georgia, Indiana, Kentucky, Maryland, Michigan, New Jersey, North Carolina, Pennsylvania, South Carolina, Virginia and West Virginia. Formed in 1905, the mission of Huntington Bancshares Incorporated is to meet the financial service needs of individuals and business.


Cheryl Charles
Senior Director
Research and Communications

805 15th Street NW, Suite 600
Washington DC 20005
(202) 289-4322 phone
(202) 289-0193 fax

Cheryl Charles is Senior Director of Research and Communications for BITS, The Technology Group for The Financial Services Roundtable. She has served in this role since 1997, soon after BITS' founding. Cheryl serves as project manager for BITS' Research and Communications initiatives, including the research and projects of BITS' Privacy Working Group. BITS' mission is to foster the growth and development of electronic banking and commerce in an open environment. BITS' mandate includes assuring consumer confidence in the safety, soundness, privacy and security of financial transactions.

Cheryl also is Chief Operating Officer of The Santa Fe Group, a strategic consulting and research firm that specializes in emerging technologies, innovation, partnerships and alliances.

In addition to her work in the business sector, Cheryl has been active in the voluntary, social sector for more than 25 years. Cheryl founded the Center for the Study of Community in 1993 and serves as a member of its Board of Directors. The Center is a not-for-profit educational organization dedicated to fostering research, thought, and action in support of healthy communities--including corporate and business communities. Cheryl also serves as Chair of the Board of Trustees of the Windstar Foundation, a not-for-profit educational organization founded by entertainer John Denver and educator Tom Crum.

Since the 1970s, she has authored and/or edited numerous books, articles, curriculum materials, and research monographs. Her publications include the classic book, The WholeSchool Book: Teaching and Learning Late in the 20th Century (Addison Wesley, 1977) and the more recent article, "Privacy of Financial Information in Cyberspace: Banks Addressing What Consumers Want," co-authored with Gary Roboff of Chase Manhattan Bank (Journal of Retail Banking Services, Autumn 1998). Through the years, she has keynoted scores of conferences, facilitated thousands of meetings, and designed some of the most widely used educational programs in North America. Recognized for her leadership in both the private and social sectors, she is listed by The Marquis Who's Who Publications Board in "Who Is Who In America" (1999, 2000) and "Who Is Who In the West" (1998/99, 2000).

Cheryl holds a B.A. from the University of Arizona, M.A. from Arizona State University and Ph.D. from the University of Washington.

About BITS: BITS, the technology group for The Financial Services Roundtable, was created in the fall of 1996 to foster the growth and development of electronic banking and commerce in an open environment. Such an environment will encourage greater choice and efficiency in financial software, access devices, networks and processing capabilities for the benefit of financial institutions and their customers. Throughout its work, BITS seeks to enhance financial institutions' roles as trusted intermediaries. BITS promotes safety and soundness in payments systems and electronic banking products and facilitates development of superior market-driven technologies.

BITS has established a Financial Services Security Laboratory as proactive way of ensuring that safety standards for electronic commerce and banking continue to keep pace with the new technologies being developed and the growth in volume of digital commerce. This benefits financial services customers, the industry, the technology providers, and the government, as it helps protect the nation's critical infrastructure. The Lab will test security and capabilities of products for select PC operating systems, browsers, servers, and applications software for PC banking; anti-virus software, firewalls; and end-to-end security systems. Products will be tested for their ability to meet specific criteria pertaining to security attributes. The Security Lab will issue the BITS Tested Mark and a detailed testing report on each product successfully meeting the Product Profile Security criteria. Technology providers will bring products to the Security Lab for testing. The Security Lab is open to all who wish to test product.