Mr. Bill Cosgrove, CMB, President and Chief Executive Officer, Union National Mortgage Co., on
behalf of the Mortgage Bankers Association (TTF)
Ms. Chanelle P. Hardy, Senior Vice President for Policy and, Executive Director, National Urban League Policy Institute (TTF)
Ms. Brenda K. Hughes, Senior Vice President, Retail Lending Administrator, First Federal Savings Bank, on behalf of the American Bankers Association (TTF)