SPEAKER INDEX CONTENTS INSERTS BACHUS 6 7 8 18 19 20 21 22 48 58 59 60 63 64 67 69 72 73 77 83 84 85 86 87 88 89 90 91 92 BAKER 2 4 5 6 7 8 12 13 14 18 22 24 28 29 33 36 37 40 42 47 48 51 55 56 58 BROADMAN 21 37 51 52 53 54 55 57 59 HART 49 50 51 92 HIGGINS 60 63 64 83 87 89 JONES 51 52 53 54 55 56 KELLY 25 27 KROENER 21 33 41 49 50 51 52 53 55 57 60 KURUCZA 67 81 82 87 89 MALONEY 73 79 81 85 86 87 90 MANZULLO 24 25 MEYER 20 29 43 44 45 46 50 52 54 55 56 59 OXLEY 2 PATTERSON 61 88 POLLARD 70 80 84 88 90 TIBERI 56 57 58 UNGER 5 8 13 15 16 17 18 19 20 21 22 24 25 26 27 28 29 WATERS 14 15 16 17 WATT 22 24 42 43 44 45 46 47 77 79 80 81 82 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. LAURA S. UNGER, ACTING CHAIRWOMAN, SECURITIES AND EXCHANGE COMMISSION PAGE 8 STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 29 STATEMENT OF WILLIAM F. KROENER III, GENERAL COUNSEL, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 33 STATEMENT OF ELLEN BROADMAN, DIRECTOR OF SECURITIES AND CORPORATE PRACTICES, OFFICE OF THE COMPTROLLER OF THE CURRENCY PAGE 37 STATEMENT OF MICHAEL E. PATTERSON, VICE CHAIRMAN. J.P. MORGAN CHASE & CO. PAGE 60 STATEMENT OF EDWARD D. HIGGINS, EXECUTIVE VICE PRESIDENT, U.S. BANCORP, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION AND THE ABA SECURITIES ASSOCIATION PAGE 63 STATEMENT OF ROBERT M. KURUCZA, GENERAL COUNSEL, BANK SECURITIES ASSOCIATION PAGE 67 STATEMENT OF K. REID POLLARD, PRESIDENT AND CHIEF EXECUTIVE OFFICER, RANDOLPH BANK & TRUST COMPANY, ON BEHALF OF THE INDEPENDENT COMMUNITY BANKERS OF AMERICA PAGE 69 STATEMENT OF EUGENE F. MALONEY, EXECUTIVE VICE PRESIDENT AND CORPORATE COUNSEL, FEDERATED INVESTORS, INC. PAGE 73 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING