WITNESS LIST

              SJR 18

              Senate Committee Report

              Business & Commerce

              February 5, 2013 - 8:00 AM

                        FOR:

                                          Fleming, John    (Texas Mortgage Bankers Association), Austin, TX

                                          Gonzalez, Daniel    (Texas Association of Realtors), Austin, TX

                                          Morstad, Tim    (American Association of Retired Persons), Austin, TX

                                          Norman, Scott    (Sente Reverse Mortgage), Austin, TX

                                          Silver, Sandy    (Self) , Austin, TX

                        ON:

                                          Rickers, Emily    (Alliance for Texas Families), Austin, TX

                       Registering, but not testifying:

                        FOR:

                                          Embrey, Celeste    (Texas Bankers Association), Austin, TX

                                          Norman Jr., Scott    (Texas Association of Builders), Austin, TX

                                          Scurlock, Steve    (Independent Bankers Association of Texas), Austin, TX

                        ON:

                                          Foster, Doug   Commissioner  (Texas  Department of Savings and Mortgage), Austin, TX

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