Matthew E. Fischer

MATTHEW E. FISCHER, Senior Analyst, Financial Services at Independent
Research Group, was formerly at Prudential Equity Group, LLC, where he
was an associate analyst covering the securities industry. Mr. Fischer
also worked at Merrill Lynch, most recently in corporate reengineering,
where he analyzed the structure of Merrill’s internal business units
globally and developed ways to leverage the firm’s global presence more
efficiently. He earned a BA in Economics from Indiana University and an
MBA from the F.W. Olin Graduate School of Business at Babson College,
with a concentration in applied investments and finance.

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January 24, 2005