Kenneth Surgenor

Moody's Investors Service, Inc. is a credit rating and investment research firm headquartered in New York City. They are a subsidiary of Moody's Corp. (NYSE: MCO). The firm performs international financial research and analysis on commercial and government entities and provides a variety of analytic tools for assessing credit risk. Their clients include creditors, investment banks and commercial banks.

Washington Mutual, Inc. provides financial services to consumers and mid sized businesses in the United States. The company primarily operates through three segments: retail banking & financial services, mortgage banking and commercial banking. The retail banking and financial services segment provides investment advisory and brokerage services, sales of annuities, mutual fund management and other financial services. This segment also purchases and re-underwrites loans to subprime borrowers. The mortgage banking segment offers various home loans including fixed rate home loans, adjustable rate home loans, hybrid home loans, option ARMs and government insured or guaranteed home loans. The commercial segment provides financing to developers and investors for the acquisition or construction of multifamily dwellings and other commercial properties, originates and services multifamily and other commercial real estate loans. The company was founded in August 1994 and is headquartered in Seattle, WA.

Wireless Retail, Inc. resells wireless phone services and other telecommunications products. The company retails services from major wireless carriers including Cingular and T-Mobile as well as cell phones and accessories made by Kyocera, Motorola, and Sony Ericsson. The company was founded in 1994 and is located in Scottsdale, AZ.

Bank One, NA is a commercial banking company in the United States. It provides commercial banking services such as deposits & loans. The company was founded in 1873 and is headquartered in Chicago, IL.