| Document Date: 2010-01-07 10:24:21
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City New York / / Company LTV / / Facility Bank Administration Institute / / IndustryTerm certain account management / higher risk products / repayment products / bank credit card issuers / home equity products / internal audit / retail product lines / bank efficiency ratios / residential real estate loan products / financial products / residential real estate lending / evaluation systems / real estate market / loan products / retail side / finance / non-bank financial options / structured finance / credit risk management / real estate markets / bank loan portfolios / bank / financial services / active portfolio management / skilled national bank examiners / real estate loans / retail lending / bank management / retail bank products / bank portfolios / underwriting for structured finance / / Organization Comptroller of the Currency / Bank Administration Institute New York / / Person Tom Johnson / Joe DeMeo / / Position Banker / guard / /
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Remarks by Julie L. Williams Acting Comptroller of the Currency Before the Bank Administration Institute New York, New York