Witnesses: From the Capital One Financial Corporation: David M. Willey, Senior Vice-President and Treasurer; Christopher T. Curtis, Associate General Counsel; From the First Union Corporation: Wayne Ehgoetz, Head; From the Norwest Financial/Trans Canada Credit: Richard Owens; Steve R. Wagner, Assistant General Counsel; From the Wells Fargo Bank: Gadi Meir, Assistant Vice-President; From the ING Direct: Arkadi Kuhlman, President and CEO; From the Toronto Dominion Bank: A. Charles Baillie, President and Chief Executive Officer; Robert P. Kelly, Vice-Chairman.
De la Banque Toronto Dominion: A. Charles Baillie, président et chef de la direction; Robert P. Kelly, vice-président.