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The following applications are on the CD: Shareware programs are fully functional, trial versions of copyrighted programs If you like particular programs, register with their authors for a nominal fee and receive licenses, enhanced versions, and technical support Freeware programs are copyrighted games, applications, and utilities that are free for personal use Unlike shareware, these programs do not require a fee or provide technical support GNU software is governed by its own license, which is included inside the folder of the GNU product See the GNU license for more details Trial, demo, or evaluation versions are usually limited either by time or functionality (such as being unable to save projects) Some trial versions are very sensitive to system date changes If you alter your computer s date, the programs will time out and will no longer be functional Acrobat Reader, from Adobe, Inc, freeware For more information, go to wwwadobecom/products/ acrobat/mainhtml Acrobat Reader allows you to view and print files in Adobe s Portable Document Format (PDF), including the electronic version of this book included on the CD-ROM Flash MX, from Macromedia, Inc, trial version For more information, go to wwwmacromediacom/ software/flash If you don t already own Flash MX, here it is in all its glory for you to try out You can use this trial version to explore all the Flash techniques in this book and to build your own Flash movies

There is some evidence to suggest that T may in uence performance on cognitive tasks [132,133], which is supported by the nding that T administration to older men enhances performance on measures of spatial cognition The correlation between T levels and cognitive performance, such as spatial abilities or mathematical reasoning [134,135], has been con rmed in Western and non-Western cohorts of healthy males [135] In a cross-sectional analysis of the MMAS data, while older age was associated with lower cognitive functioning (spatial ability, working memory, and speed/attention), no association of these cognitive measures with any hormone persisted after adjustment for age and covariates, and logged hormones did not mediate the age cognition relationship [136] However in the 10 years longitudinal assessment of multiple cognitive domains and of T, SHBG, and free T index (FTI) of the Baltimore Longitudinal Study, higher FTI predicted better scores on visual and verbal memory, visuospatial functioning, and visuomotor scanning, and a reduced rate of longitudinal decline in visual memory [137] While it is well known that T therapy signi cantly improves cognition, mood, energy, and well-being in young hypogonadal men, such effects are less clear in aging men Among seven RCTs in men over 50 that assessed cognitive abilities, only three found statistically signi cant effects on spatial cognition (two of two), spatial and verbal memory (two of four) and working memory (one study) [87] No signi cant effect over placebo was found for overall memory, recall, or verbal uency T therapy proved to increase energy more than placebo in three of four RCTs in aging men Lastly, one or more of the measures of quality of life were improved in three of the ve RCTs that assessed it, but the improvement concerned

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Many of the activities, particularly underwriting, are subject to restriction by regulation as to the type of securities that may be transacted, and separately capitalized subsidiaries may be required These restrictions are subject to change at the current time and may be signi cantly relaxed in the near future These activities generate fee income that is recorded when earned Certain activities are conducted in conjunction with credit extension activities, and therefore particular attention is required to ensure that fees generated are appropriately recorded It is essential to distinguish between fees that may be recorded immediately and fees that are essentially loan origination fees to be accounted for over the life of the loan (SFAS No 91) (z) ELECTRONIC BANKING AND TECHNOLOGY RISKS Conducting banking by personal computer is a growing area for many institutions The types of transactions customers can perform online has also increased For example, customers can transfer funds, pay bills, and apply for loans by using electronic banking Additionally, many institutions are using client/server systems and personal computers, rather than mainframe computers, to process customer transactions and maintain bank records Accordingly, security and database management controls surrounding these client/servers and personal computers becomes very important Regulatory agencies have issued guidance addressing the safety and soundness aspects of electronic banking and personal computer bankings and the security risks associated with the Internet and phone banking

(a) OVERVIEW Mortgage banking activities primarily include the origination or purchase, sale, and subsequent long-term servicing of mortgage loans Mortgage loans are originated or purchased from a variety of sources including applications received directly from borrowers (retail originations) and loans acquired from mortgage brokers or other mortgage lenders (wholesale or correspondent purchases) These loans are then generally sold through the secondary mortgage market to permanent investors or retained by the lender in its own loan portfolio Typically, loans are sold to permanent investors through conduits, although mortgage loans can also be sold through whole loan sales directly to investors or through public or private securitizations completed by the mortgage banker Secondary market conduits include government-sponsored entities such as

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