ABC News' Survey of 16 TARP Banks

Using TARP funds to help increase the flow of credit to businesses and consumers as Treasury intended.

Will expand lending to consumers and businesses where our standards for credit quality are met and where we can capture the full value of a customer relationship.

Regions' incentive decisions will not be made until the first quarter of 2009 but will certainly reflect company performance during 2008.

Suntrust ($3.5 billion)

TARP funds, along with existing capital, are being used to support continued growth in loans to qualified applicants.

Have not announced any decisions relative to bonus or incentive pay for 2008.

Capital One ($3.555.199 billion)

With respect to the government funds specifically, will use the capital to restore the liquidity and stability of our financial system.

CPP funding has enabled us to originate more of these loans than would have been possible without it.

Financial resources apart from the CPP are sufficient to meet planned business needs. Will not use the Treasury's funds for dividends, compensation, operating expenses or any other purpose beyond what the Treasury department intended.

The Bank of New York Mellon ($3 billion)

Using the $3 billion to provide liquidity to the credit markets.

Decisions on incentive compensation will not be made until the first quarter of 2009.

At the end of the third quarter, we reported a 30 percent decline in incentive compensation accruals compared with the previous year.

Keycorp ($2.5 billion)

Key doesn't routinely publicize specific client transactions, but in this instance, our client chose to issue a press release, and indicated Key's role in the financing.

The capital will enhance lending capabilities, enable Keycorp to invest in its businesses, and generally provide flexibility in managing the balance sheet.

Compensation committee of the Board of directors makes that determination each January for the previous year, and the decision is provided in the company's proxy statement. Key's incentive awards are directly related to company performance, and have been for some time.

CEO did not receive an incentive award last year.

Comerica Inc. ($2.25 billion)

The TARP proceeds (which we received Nov. 14) are part of the capital pool and assist us in funding our balance sheet.

In the short-term, the proceeds have been used to fund loans and meet debt maturities, with the excess invested overnight with the Fed.

In the medium- to long-term, anticipate making loans to new and existing relationship customers, with the appropriate credit standards, loan pricing and return hurdles in place to optimize our portfolio, particularly in our growth markets.

State Street ($2 billion)

Using the $2 billion it received in CPP funds to help further expand the flow of credit and increase the provision of credit and liquidity to institutional investors.

Funds its compensation out of operating earnings, and 2008 incentive compensation will be determined in the first quarter of 2009.

Will not use any of the proceeds from the TARP Capital Purchase Program to fund our bonus pool or executive compensation.

Marshall & Ilsley Corp. ($1.715 billion)

Looks at the TARP funds as an opportunity to continue serving customers/communities through increased lending, as well as for mitigating mortgage foreclosures.

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