11.   Fleet has been criticized in the past for an aggressive layoffs program following mergers.

12.   Following the merger with Bankers Trust, Krongard will be a vice chairman of Bankers Trust and Shattuck will be a vice chairman and co-head of investment banking.

13.   Following the merger, HFS Chairman Henry Silverman will serve as president and chief executive, while CUC Chairman Walter Forbes will remain chairman.

14.   Following the merger, Leader Chairman Edgar Bailey will become vice chairman of Union Planters.

15.   Following the merger, Rancho Cordova, California-based Foundation Health Chairman and President Daniel Crowley will become chairman of the new company for one year before resigning.

16.   Following the merger, HFS Chairman Henry Silverman will service as president and chief executive, while CUC Chairman Walter Forbes will remain chairman.

17.   Following the merger, the companies would be divided into six new divisions.

18.   Following the merger, University Bank will become Comerica Bank of California, University Division.

19.   Fort James said it will take more charges during the fourth quarter related to a reorganization following the merger.

20.   GTE is changing its name to Verizon following its merger with Bell Atlantic.