The Regional Bank HOLDRS Trust issues depositary receipts called Regional Bank HOLDRS, representing an undivided beneficial ownership in the United States-traded common stock of a group of specified companies that are involved in various segments of the regional banking industry. The Bank of New York is the trustee. The Regional Bank HOLDRS Trust was formed under a depositary trust agreement dated May 18, 2000. The 19 issuers of the underlying securities represented by a Regional Bank HOLDR, as of August 1, 2005, were AmSouth Bancorporation, Bank Of America Corporation, BB&T Corporation, Comerica Incorporated, Fifth Third Bancorp, JP Morgan Chase & Co, KeyCorp, Mellon Financial Corporation, Marshall & Ilsley Corporation, National City Corporation, Northern Trust Corporation, Piper Jaffray Cos, The PNC Financial Services Group, Inc., Synovus Financial Corp., SunTrust Banks, Inc., State Street Corporation, US Bancorp Del, Wachovia Corporation, and Wells Fargo & Company.