SPEAKER INDEX    CONTENTS   INSERTS   
AUFHAUSER        8     11     24     25     28     29     35     41     42  
                43  
BYRNE           12     30     31     36     39  
CACHEY          15     28     33  
EMERSON         20     26     33     35     36     40  
GARRETT         38     39     40     41  
GUTIERREZ        3     28     29     30     31     33     34  
HENSARLING      34     35     36     37     38  
KELLY            1      5      6      7      8     11     12     15     18  
                20     23     24     26     27     28     33     34     37  
                38     41     43  
MALONEY          7  
RICHARDS        18     27     32     37  
ROYCE            5     38     41     42     43  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF DAVID D. AUFHAUSER, COUNSEL, WILLIAMS AND CONNOLLY LLP
                                                                 PAGE     8

STATEMENT OF JOHN BYRNE, DIRECTOR OF CENTER FOR REGULATORY COMPLIANCE, AMERICAN BANKERS' 
ASSOCIATION
                                                                 PAGE    12

STATEMENT OF JOSEPH CACHEY III, VICE PRESIDENT, CHIEF COMPLIANCE OFFICER AND COUNSEL, GLOBAL 
COMPLIANCE
                                                                 PAGE    15

STATEMENT OF JAMES RICHARDS, OPERATIONS EXECUTIVE FOR GLOBAL ANTI-MONEY LAUNDERING, BANK OF AMERICA
                                                                 PAGE    18

STATEMENT OF STEVEN EMERSON, EXECUTIVE DIRECTOR, THE INVESTIGATIVE PROJECT
                                                                 PAGE    20


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING