1.   Even during a continued bull market, bank customers can incur losses on derivative securities they purchase from banks or their securities subsidiaries.

2.   He was referring to the costs a customer incurs not only in buying gas from BOC, but in storing and tracking it.

3.   Hunt also faulted the booklet for understating the high costs incurred by customers who drop whole life policies.

4.   The bonds are backed by debt incurred by customers buying furniture.

5.   They also are concerned about extra charges customers would incur in routing calls from one local telephone company to another.