Kenneth M. Karas

JFCU — Interest

Citibank Checking Account — None

HR-10 Royce Total Return Investment Fund — None

HR-10 Spartan US Equity Index Fund — None

HR-10 Oakmark Equity & Income Investment Fund — None

HR-10 Vanguard Small Capital Growth Fund — None

401K Fidelity Diversified Int'l Fund — None

401K Royce Total Return Investment Fund — None

401K Spartan US Equity Index Fund — None

401K Oakmark Equity & Income Investment Fund — None

US Government Savings Bonds — None

Avaya Common Stock — None

NY 529 Vanguard Aggressive Fund — None

Liability — Citibank, N.A — Credit Card

The Trust discussed in Part I is a non-funded insurance tr st for a

s a trustee of a similar tr stin my name. However, neither

tr st confers any current benefits or income and only is triggered upon my o:

lemise.

a