Membership of the Board's Sub-Committees and Consultative Panel

Retail Sub-Committee
Chairperson	Brendan Duffy, Secretariat
Irish Bankers' Federation	Frank Sexton, IBF; Pete Sayers, Allied Irish Bank;* Dave Lombard, Bank of Ireland
Irish Business and Employers Confederation Retail Group	David Croughan, IBEC; P J Timmins, Clerys; Brian Mahony, Musgrave's
Forfas Retail Working Group	Tadg O'Sullivan, Vintners Federation of Ireland; Karl Anderson, Shop N Save
Central Bank of Ireland	Frank Porter, Bernie Keppel
An Post	Enda Kelly
Irish League of Credit Unions	Paul Weston
Irish Congress of Trade Unions	Owen Nulty, Mandate
* Replaced Maurice Crowley, October 1998

Information Sub-Committee
Chairperson	John Norris, Secretariat
Forfás	Yvonne Cullen
Irish Business and Employers Confederation	Gary Rynhart**
Revenue Commissioners	Aisling Haughey
Irish Bankers' Federation	Felix O' Regan
Office of the Director of Consumer Affairs	Ailish Curran
Irish Congress of Trade Unions	Manus O' Riordan, SIPTU
Chambers of Commerce of Ireland	Adrienne Harten
** Replaced Siobhan Masterson, December 1998