SPEAKER INDEX    CONTENTS   INSERTS   
ALIX            26     39     43     49     50     58     59  
BACHUS           1      4      8      9     11     15     18     21     23  
                26     29     32     37     39     45     46     47     48  
                49     50     51     57     58     59     60  
BIGGERT          8     11     29     30     31     32  
DEWHIRST        11     18     31     35     36     39     41     42     44  
                48     51     52     53     54     55     56     57  
ELLIOTT         13     34     35     37     38     40     47  
FRANK            4      5     32     33     34     35     36     37     51  
                52     53     54     55     56     57  
GILBERT         15     33     34     38     41     43     44     47     59  
JANSKY          23     42     45     46     48  
MALONEY          4      7     39     40     41     42     43     44     45  
MARINANGEL      21     30     31     38     39     48  
MOORE            8  
MURPHY           9     37     38     39  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF STEVEN G. ELLIOTT, SENIOR VICE CHAIRMAN, MELLON FINANCIAL CORPORATION
                                                                 PAGE    13

STATEMENT OF ADAM GILBERT, MANAGING DIRECTOR, GLOBAL CREDIT RISK MANAGEMENT, JPMORGAN CHASE & CO.
                                                                 PAGE    15

STATEMENT OF JOSEPH DEWHIRST, TREASURER, BANK OF AMERICA CORPORATION
                                                                 PAGE    18

STATEMENT OF KATHLEEN MARINANGEL, CHAIRMAN, PRESIDENT & CEO, MCHENRY SAVINGS BANK, ON BEHALF OF 
AMERICA'S COMMUNITY BANKERS
                                                                 PAGE    21

STATEMENT OF SANDRA JANSKY, EXECUTIVE VICE PRESIDENT & CHIEF CREDIT OFFICER, SUNTRUST BANKS, INC.
                                                                 PAGE    23

STATEMENT OF MICHAEL ALIX, SENIOR MANAGING DIRECTOR, GLOBAL HEAD OF CREDIT RISK MANAGEMENT, BEAR 
STEARNS, ON BEHALF OF THE SECURITIES INDUSTRY ASSOCIATION
                                                                 PAGE    26


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING