Morris-Anderson & Associates Ltd.

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ABN AMRO Access Capital Albion Alliance Allstate Financial Corporation AmSouth Bank American Security Bank Ameritrust Company Associated Bank Associates Commercial Back Bay Capital Banco Popular Bank Austria Bank Boston Bank of America Bank of New York Bank One BMO Nesbitt Burns Brickyard Bank C&S Sovran Cargill Financial Services Corp. Cerberus Capital CIB Bank CIT Business Credit Citicapital Commercial Bank Citicorp City Bank CoBank Cole Taylor Comerica Congress Financial Deutsche Bank Equitable Fidelity National Bank Fifth Third FINOVA First American First American National First Banking Center First Business Bank First Midwest Bank First Interstate Bank of California First Business Capital Corp. First Source Bank First Union Business Credit First Union Capital Markets Group First Union National Bank Fleet Bank Fleet Capital Corporation FNCB Frost Capital Group GE Capital Business Credit GE Capital Commercial Finance, Inc. GECC Glenview State Bank GMAC Business Credit		Harris Bank Hong Kong Bank Household Finance HSBC Huntington Bank IBJ Schroder ING John Hancock JP Morgan Chase Key Bank LakeView Bank LaSalle Bank Lyon Credit Corporation Manufacturers Bank Marine Bank Marine Midland Business Loans Marshall and Isley Maryland National Credit Corporation Mellon Bank Merrill Lynch Business Credit Milwaukee Western Bank MNC Commercial Corporation National Bank of Canada National Boulevard Bank National Canada Finance National City Bank NCNB National Bank Northern Trust PNC Bank PNC Business Credit PPM America Rabobank Royal Bank of Canada Roynat, Inc. Signet Bank Society National Bank South Trust Bank Standard Federal Bank Star Bank State Street Bank Sterling Bank Suburban Bank Sun Bank SunTrust Bank Texas Capital Bank Transamerica Union Bank UPS Capital US Bank Valley National Bank Wachovia Wells Fargo Wells Fargo Foothill West Bank Zion Bank

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"Bob, I really appreciated your presentation - a very realistic view of the unfortunate situation... Your organization brought a real dosage of reality to the equation and I compliment all of you on the great work."

- Board Member ($500 million transportation services). Board Presentation, July 2003