EFTA00316714.txt

"In 1993 Defendant Cayne succeeded Defendant Greenberg as CEO"

"Greenberg stayed on as Chairman of the Board, and then as Chairman of the Company's Executive Committee starting in 2001"

"The Company originated loans through two wholly-owned subsidiaries, the Bear Stearns Residential Mortgage Corporation ("BEARRES")"

"later through Encore Credit Corporation ("ECC"), which the Company purchased in early 2007"

"purchased huge numbers of risky loans originated by other companies through its EMC Mortgage Corporation ("EMC") subsidiary"

"Confidential Witness Number 1 ("CW 1"), an Area Sales Manager who began work for ECC in January of 2006"

"began work for ECC in January of 2006 and continued working at BEARRES until February of 2008"

"Defendant Warren J. Spector, Co-President, Co-COO, and a director of Bear Steams"

"Bear Stearns' CEO Alan Schwartz"

"asserting claims against The Bear Stearns Companies Inc. ("Bear Stearns" or the "Company") and the other Defendants named herein"

"Defendant Warren J. Spector"

"The State Treasurer of the State of Michigan... for its Consolidated Class Action Complaint for Violations of the Federal Securities Laws asserting cl"

"In 2005 and again in 2006 the SEC privately warned the Company of crucial deficiencies in models it used to value mortgage-backed securities"

"Confidential Witness Number 2 ("CW 2"), a Quality Control and Reporting Analyst at EMC from April 2006 through August 2007"

"Confidential Witness Number 3 ("CW 3"), a former Collateral Analyst with the Company who worked for Bear Stearns in the first half of 2007"

"Confidential Witness Number 4 ("CW 4"), an Underwriting Supervisor and Compliance Analyst for EMC from September 2004 until February 2007"

"the OIG retained Professor Albert Kyle of the University of Maryland"

"The OIG issued its conclusions in a September 25, 2008 Report, titled "SEC's Oversight of Bear Stearns and Related Entities""

"the Company's CFO, defendant Molinaro"

"IN RE THE BEAR STEARNS COMPANIES, INC. SECURITIES, DERIVATIVE, AND ERISA LITIGATION"

"COUNT III For Violations of Section 20A of the Exchange Act (Against Defendants Cayne, Schwartz, Spector, Molinaro, Greenberg, and Farber)"

"COUNT III For Violations of Section 20A of the Exchange Act (Against Defendants Cayne, Schwartz, Spector, Molinaro, Greenberg, and Farber)"

"COUNT III For Violations of Section 20A of the Exchange Act (Against Defendants Cayne, Schwartz, Spector, Molinaro, Greenberg, and Farber)"

"COUNT III For Violations of Section 20A of the Exchange Act (Against Defendants Cayne, Schwartz, Spector, Molinaro, Greenberg, and Farber)"

"COUNT III For Violations of Section 20A of the Exchange Act (Against Defendants Cayne, Schwartz, Spector, Molinaro, Greenberg, and Farber)"

"COUNT III For Violations of Section 20A of the Exchange Act (Against Defendants Cayne, Schwartz, Spector, Molinaro, Greenberg, and Farber)"

"Auditor Defendant... Deloitte's Deficient Audits of Bear Stearns' Financial Statements"

"Michael J. Alix, who served as the Company's Chief Risk Officer from February 3, 2006 until the Company's demise in 2008"

"On February 12, 2007, the Company completed its acquisition of ECC"

"Defendant Cayne, the CEO of the Company"

"defendant Molinaro, the CFO of the Company"

"Tom Marano, the head of the Company's mortgage trading desk"

"defendant Michael Alix, the Company's Head of Global Risk Management"

"defendant Farber, the Company's Controller and Principal Accountant"

"Confidential Witness 5 ("CW 5"), a former employee of the model validation department at Bear Stearns"

"In an August 5, 2003 letter to the Board of Governors of the Federal Reserve System ("August 5, 2003 letter"), defendant Michael Alix... described the"

"In an August 5, 2003 letter to the Board of Governors of the Federal Reserve System"

"Bear Stearns was warned of these deficiencies in a December 2, 2005 memorandum from OCIE to defendant Farber"

"Phil Lombardo, the head of Bear Steams' fixed income trading desk"

"CW 6 who reported that during his work as a model valuator at Bear"

"Confidential Witness 7 ("CW 7"), a former head of model valuation at Bear Steams"

"In April of 2006, Bear Steams' EMC Mortgage... sued subprime originator Mortgage IT over approximately $70 million in EPD buyback demands."

"Defendant Spector, Bear Stearns' Co-President"

"his CFO Molinaro denied the existence of any trouble"

"Bear Stearns announced that it was entering into a $3.2 billion securitized financing agreement with the High Grade Hedge Fund"

"Mike Mayo, an analyst at Deutsche Bank"

"Farber, Bear Steams' Senior Vice President-Finance and Controller"

"Farber... had previously been a partner with Deloitte"

"Bear Stearns and its auditor, Deloitte"

"As set out in the 2008 OIG Report, Bear Stearns repeatedly exceeded its own internal limits"