if you did not know that WAMU and WMBFSB was federally chartered then it is obvious that you never read any documents pertaining to this whole discussion that has been evolving for many years, and you are clueless about the very basic matters of discussion... hence, you have no credibility on this message board.. it is advised that you remain silent until you read the official documents...would you like to entertain me in a discussion about your status as a former shareholder of WAMU, or any rights to former assets of WMI that you signed a release for?.....Lodas