Customized and In-House Seminars Our clients for our Customized and In-House Seminars have included the following major banks, corporations, and charitable organizations: Algemene Bank Nederland, N.V. IBM AMBAC Institut Bankir Indonesia American Banker's Association Inter-American Investment Corporation American Express International Banking Corp. Lehman Brothers Japan, Inc. American Security Bank Marine Midland Bank Banco Santander Maryland National Bank BankBoston Mellon Bank, N.A. Bank of China Merrill Lynch Bank of Montreal Merrill Lynch Japan Incorporated Bank of New England Midlantic National Bank Bank of San Francisco Mitsubishi Bank, Ltd. Bank of Tokyo Trust Company Morgan Guaranty Trust Bankers Trust Company Morgan Stanley Japan, LTD Bankers Trust Company of Japan National Bank of Detroit Barclays Bank International, Ltd. The National Bank of Kuwait SAK BayBanks, Inc. National Commercial Bank Chase Manhattan Bank, N.A. National Westminster Bancorp Citibank, N.A. National Westminster Bank, PLC Citibank-Dealer Finance NationsBank Citicorp Institute for Global Finance Nippon Credit Bank Citicorp Savings The Northern Trust Company Continental Illinois National Bank Norwest Corporation Corestates Oesterreichische Laenderbank Credit Industriel et Commercial People's Bank Credit Lyonnais Riggs National Bank Credit Suisse Security Pacific Merchant Bank Deutsche Bank, A.G. SE Banken Egyptian American Bank Smith Barney European American Bank Societe Generale The Federal Reserve Bank of New York Southeast Bank, N.A. First City, Texas Standard and Poor's First International Investment Bank, LTD Summit Bancorporation First Interstate Bank of California Swiss American Securities, Inc. First Interstate Bank of Oregon Swiss Bank First Jersey National Bank The Saitama Bank First National Bank of Chicago Toronto Dominion Harris Trust U.S. Trust Company of New York First NH Banking Union Bank of Switzerland IBJ Schroder Bank and Trust Co. Westdeutsche Landesbank Girozentrale IBM

Open Enrollment

David Jeffrey Associates' credit seminars for private bankers have been attended by lenders from eighty different banking institutions, including money center, regional, community, and foreign banks.

One hundred and twenty different banks have attended our open enrollment seminars on corporate credit analysis. Most have been foreign banks operating in the U.S. but also included are money center and regional banks.

Consulting

Our clients for consulting projects have included the following major banks, corporations, and charitable organizations:

Al Bahar International (Kuwait)	The National Bank of Kuwait
Banco Santander	Borden, Inc.
National Westminster Bancorp	Clevepak Corporation
Philip Morris Inc.	Credit Industriel et Commercial
Sperry and Hutchinson Co.	Hessische Landesbank Girozentrale
Standard and Poor's	Ingersoll-Rand Corp.
Swiss Bank	Japan Coal Development Corporation
Time, Inc.	The Long-Term Credit Bank of Japan, Ltd.
The Tokai Bank	The Lutheran Church in America
The Union Bank	The Morgan Bank
United States Trust Company	Westdeutsche Landesbank Girozentrale
Inter-American Investment Corporation	SEB