SPEAKER INDEX    CONTENTS   INSERTS   
BAXTER           9     23     24     39     40     41     42  
GUTIERREZ        3     25     26     28     29     30     31     32  
KELLY            1      5      6      9     14     15     16     18     19  
                21     22     23     24     25     33     37     38     43  
MALONEY         33     34     35     36     37     38     39     40     41  
                42  
MATHESON         5  
MOORE            5  
STIPANO          7     14     15     17     19     20     21     22     26  
                28     29     30     31     32     33     34     35     36  
                37     38     43  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF DANIEL P. STIPANO, DEPUTY CHIEF COUNSEL, OFFICE OF THE COMPTROLLER OF THE CURRENCY
                                                                 PAGE     7

STATEMENT OF THOMAS BAXTER, JR., GENERAL COUNSEL AND EXECUTIVE VICE PRESIDENT, FEDERAL RESERVE 
BANK OF NEW YORK, ACCOMPANIED BY KATHERINE WHEATLEY, ASSISTANT GENERAL COUNSEL, AND MICHAEL 
LAMBERT, FINANCIAL SERVICES CASH MANAGER
                                                                 PAGE     9


INSERTS    SPEAKERS   CONTENTS   
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