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