COUNSEL FOR: American Express Travel Related Services, Inc.; American General Finance; American Honda Finance Corp.; American Road Insurance; AmeriCredit Financial Services; Atomic City Tool; Auto Finance Group; Bank of America; Automobiles of Knoxville, Inc.; Bank One, Columbus and Dayton; Beneficial Finance; Beneficial National Bank; Branch Banking & Trust; Coffman Oil Company; Citicapital Commercial Corp.; Excel Federal Credit Union; First Choice Health Care; First Merchants Acceptance Corp.; First Union Bank; Ford Motor Credit Company; Household Financial Center; John Deere Credit; Key Bank USA; Knoxville Habitat for Humanity, Inc.; LaSalle Bank; Mercury Finance Company; Michael Brady Inc.; NationsBank, NA; Nations Credit; New Holland Credit; Noland Company; Omega Plastics; Primus Automotive Financial Services; Provident Bank; ReLiaStar Life Insurance Company; Republic Bank and Trust; Rite-Aid of Tennessee; Rock-Tenn Company; Seawest Financial; Security Pacific Equipment Leasing; Textron Financial Corp.; Union Acceptance Corporation; US Bank; USA Marine; Wolf Tree Experts, Inc.