Notes: 1 The estimation approach presented in this talk was developed at Sandia National Laboratories for application to a Cooperative Research and Development Agreement between Sandia and Citibank. Sandia is a contractor for the Department of Energy (DOE). DOE is interested in developing test protocols, evaluation methodologies, and a user database to permit legitimate comparisons between state-of-the-art voice verification devices. Sandia team members are Jim Chapek, Program Manager, Tim Buckle, Project Leader, Frank Bouchier, Project Engineer, Kathleen Diegert, Statistical Analyst, Louise Weston, Human Factors Analyst, and Brian Rutherford, Statistical Analyst. Citibank team members are Mike Clumpp and Phil Shinn. The work presented in this talk is the joint effort of the project team. The goal of the collaboration is to evaluate the performance of several voice verification devices for a particular application over telephone connections. A database of voice recordings of common utterances over telephone lines is being created for the evaluation of future devices. These data are considered to be proprietary. The data presented in this analysis are scaled.